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Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Other Financial Planning
  • Pension Consulting
    • -401k
    • -403b
  • Portfolio Management
    • -Individuals and/or Small Businesses
    • -Businesses or Institutional Clients
    • -Other Portfolio Management


Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types

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No timeline events available.
Employer Years Dates
Sweetwater Investments, Inc. 11 years, 10 months Apr 2007 - Feb 2019

Designations & Memberships

  • Financial Planning Association
    Financial Planning Association
    The Financial Planning Association (FPA®) is the largest membership organization for personal financial planning experts in the U.S. and includes professionals from all backgrounds and business models. We help connect thousands of consumers to competent and ethical planners who uphold the FPA Standard of Care.
  • Certified Financial Planner
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.

Articles and Answers

Insights by Daryl Miller

To Roth or Not to Roth, That is the Question
Published 2012-05-16 17:17:56
Saver, Investor or Speculator?
Published 2012-04-25 14:17:28
Fear and Greed and the Recency Effect
Published 2012-04-24 12:11:45
Have You Re-Financed Your Mortgage?
Published 2012-04-24 12:06:45
Lotto Fever
Published 2012-04-24 11:46:25
10 Do’s and Don’ts for Financial Success
Published 2012-04-24 11:41:33
Why Investing is Like Sports
Published 2012-04-18 11:20:45
Financial Housekeeping for a New Year
Published 2012-04-18 11:17:20
    *Articles are published by advisors without compensation.


    Ask a financial questionAsk a question
    I want to withwrall my money wats the procedure?
    Hi - Are you asking about a 401k account? Assuming you are, you can withdraw your funds if you no longer work at the sponsoring employer. BUT - it is probably a bad idea. The amount of funds withdrawn will be taxable as ordinary income - i.e., it will be taxed just like wages or salary, and you w...  (more)
    Answered Apr 2012
    Are there any 2035 target funds that are actively managed?
    Dave - I think you answered your own question in your last sentence. Consider that most Target Date funds are constructed with underlying mutual funds that represent the different stock and bond markets to which the fund manager thinks you should have exposure (there are some Target Date funds that...  (more)
    Answered May 2012
    What types of asset classes should I invest in?
    Hi - The first question you would need to answer is what am I investing FOR? WHY am I investing? WHAT is my objective? If it is merely to "make money" I recommend you have a conference with yourself and come up with a more specific goal such as "I want to have an income of at least $2,000 per mo...  (more)
    Answered Apr 2012
    Should I close store charge cards?
    Hi - First, you should obtain a current copy of your credit report. You can get a free copy at There are three credit reporting agencies and it doesn't make a great deal of difference since they report that same information, but I find the TransUnion reports easier to r...  (more)
    Answered Apr 2012
    Is there anything to my Financial Advisor having a Vice President title?
    I was a Vice President at one of my former securities firms. I have to admit, it did look good on my business card. It did impress my fellow students in my CFP classes. It impressed my wife. It even impressed my mother. In fact, some people I knew professed shock that I would leave a firm at wh...  (more)
    Answered Apr 2012
    I used to work for belton ind. and i want to draw on my 401?
    Hi - your question is a little vague and you don't give your age (would be helpful to know). If you no longer work for the employer you should be able to cash out your account under the "separation from service" provision - however - the withdrawal may be subject to income taxes and the 10% early w...  (more)
    Answered Apr 2012
    I intend to take full SS benefit and work full time. Are there any constraints on participating in company 401K or Roth IRA?
    Hi - there are no constraints on participating in a company 401k or contributing to an IRA (Roth or Traditional) as a result of receiving Social Security retirement benefits. The key requirement for contributing to retirement plans is that you must have earned income - wages or salary or self-emplo...  (more)
    Answered Apr 2012
    Mercer 401 K do I have anything in this account?
    There is no way we can answer this question. You should contact your employer (or former employer) or the 401k plan vendor. Good luck!...  (more)
    Answered Apr 2012
    When I convert my regular IRA to a Roth IRA, do I have to pay the taxes all at once?
    As the other answers point out, you are required to pay the taxes on the conversion for the tax year the conversion was completed. This is a real good reason to meet with an advisor and review your current tax situation - because you don't have to convert ALL IRA money in one tax year but can sprea...  (more)
    Answered May 2012
    Whats the difference between an interest rate and annual percentage yield?
    Hi - The difference between the rate and the yield is the money that your money makes based on the compounding period. The compounding period can be daily, weekly, monthly, quarterly, semi-annually or annually. The more frequent the compounding, the more the yield will exceed the rate. [The inter...  (more)
    Answered Apr 2012
    Failed a top heavy test?
    Hi - The best solution for a small company is to switch to a "Safe Harbor" plan. Under the Safe Harbor exception, the employer is required to make mandatory contributions (up to 3% of payroll) that are immediately vested. In exchange, there is no discrimination testing and no potential "kick-out" ...  (more)
    Answered May 2012
    Received a Notice a notice from Social Security that my late husband still has?
    Judy -For any questions involving Social Security benefits you should contact your nearest Social Security office. The Social Security website has a "local office locator" function - type in your zipcode and it will give you the information you need: ...  (more)
    Answered May 2012
    Is children's life insurance necessary?
    Hi - the simple answer is "No, children's life insurance is not necessary." However, since we don't know everything about your family situation in this limited forum, it is within the realm of possibilities that life insurance insuring your child makes sense. I will take my cue from your husband's...  (more)
    Answered May 2012
    How do i cash in a 401k that is more than 10 years old??? How do I go about doing that???
    Cashing out is probably the worst action you can take. This is retirement money - are you retired? Or just tired?If the plan is at a former employer, do a rollover to an IRA (no taxes, no penalty). If the plan is at your current employer, you can't move it and you would be better served by learni...  (more)
    Answered May 2012
    Can you consolidate federal and private student loans?
    Hi - Sorry, but only federal loans can be consolidated - you can't consolidate federal and private loans. Private loans can only be consolidated if you re-finance the balances as a personal loan or a collateralized loan similar to a re-finance of a mortgage. If you own adequate collateral, I would...  (more)
    Answered May 2012
    Did Playtex Employees Have A Retirement Plan?
    Hi - which Playtex did you work for? There are at least two companies that use the Playtex name: personal care products (Playtex Products, Inc.) and Playtex Apparel which is a brand name owned by Hanes Brands. You may have been a participant in a retirement plan that was terminated and if so, you...  (more)
    Answered May 2012
    How come I hear so little about Self Banking strategies these days and it was the rage for several years?
    Uh, because it's a really bad idea? How does it benefit you to earn say, 4% on the cash value and then turn around and pay 4% in loan interest to get your money back? And...they never say much - if anything - about the risk of the "margin call" you would receive if the policy runs out of money and...  (more)
    Answered May 2012
    Received a Notice a notice from Social Security that my late husband still has?
    P.S. the link I provided dead ends. Try this instead:  (more)
    Answered May 2012
    My son has cancer and has no insurance and I wamted to what I would need to do?
    Hi - we're all sorry to hear of your son's diagnosis. I would contact the financial offices at his medical providers' offices and discuss the situation with them as soon as possible. He may qualify for care under Medicaid or under the provider's uncompensated care program. Best of luck to him and...  (more)
    Answered May 2012
    How do I get the money that is owed to me?
    Hi - We can't answer a question such as this. We need some details about where the money is held, what kind of account it is held in, etc. I can guess that the funds may be held in a retirement plan at a former employer. If that is the case, contact the employer's personnel or human resources dep...  (more)
    Answered May 2012
    Need information on out of town annuities?
    Hi -I'm not exactly sure of your question, but I would guess that you have one or more annuity policies and you want to find out about them. If you have copies of your most recent statements they should have contact information for the company. You will need to call and ask. If you don't have a ...  (more)
    Answered May 2012
    Best way to improve credit score?
    Hi - These other answers are all good advice.In my experience, people with debt issues decide for some unknown reason that focusing on improving their credit score is going to make the debt go away. It's not. Focus on paying off your debts. If you have "debt problems" you shouldn't be borrowing ...  (more)
    Answered May 2012
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      U.S. Securities and Exchange Commission
      • license status
      • disclosures
      • as of date
        Dec 14, 2019
      • license status
      • disclosures
      • as of date
        Dec 14, 2019
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:


      Continental Investors Services, Inc.

      Last updated on Oct. 22, 2019
        • $29.8M
          Total Assets Under Management
        • N/A
          Total Assets Under Advisement
        • 157
        • $189.6K
          Estimated Average Account Balance


      Fee Only Advisor
      This advisor has certified that they are compensated soley by their clients, and do not accept commisions or compensation of any kind based on the products they recommend.

      Types of Compensation Arrangements