Richard A. Miller

Richard has dedicated his career to helping individuals and families bring clarity and confidence to their financial lives. As Founder and CEO of GrayChase Wealth Advisory, he built the firm on a simple belief: people make better decisions when they feel understood, supported, and fully informed. His client conversations are grounded in common sense, shaped by experience, and intentionally free from unnecessary industry jargon.

Richard’s background is both deep and diverse. During his time at Morgan Stanley, he earned the designation of Retirement Planning Specialist and an Estate Planning Consultant Certificate. He is also a Certified Senior Advisor, CSA®, helping individuals, and especially families, navigate later-life decisions with clarity and confidence, including income planning, Social Security, Medicare, financial / estate considerations, and life transitions.

Richard is a Certified Exit Planning Advisor CEPA®, working with business owners to build value at every stage and prepare for transitions that reflect both their life’s work and future goals.

Richard has previously served as an arbitrator for the Financial Industry Regulatory Authority (FINRA)¹ and as a continuing education instructor for CPAs through the Texas State Board of Public Accountancy².

Service has always been a defining part of his life. For 12 years, Richard served as President of The 100 Club of San Antonio, supporting the children and families of fallen first responders.

His commitment to community continues today through his service on the board of the FBI San Antonio Citizens Academy Alumni Association³ and his advisory role with Concerns of Police Survivors. He and his wife, Heather, co-chair their church’s Scholarship Committee. His prior community leadership includes service with the Wade Richmond Foundation and the SA Fire Museum.

Richard’s contributions have been recognized by a Resolution from the Texas House of Representatives and the FBI Director’s Community Leadership Award in Washington, D.C.

Richard served proudly in the U.S. Navy. He and Heather have five sons—his greatest source of pride, perspective, and purpose.

He co-chairs his church's Scholarship Committee with his wife, Heather. He previously led the Wade Richmond Foundation and served on the board of the San Antonio Fire Museum.

_{At his core, Richard is someone who shows up—for his clients, his community, and his family. His work at GrayChase reflects a commitment to thoughtful guidance, steady leadership, and helping others build lives and legacies that feel intentional and secure.}

_{¹ Service as a FINRA Arbitrator reflects a neutral role within the disputeresolution forum and should not be interpreted as an endorsement, approval, or recommendation.} 

_{² The TX State Board of Public Accountancy does not endorse sponsors, their firms, or their professional services.} 

_{³ The FBI SA Citizens Academy Alumni Association is a nonprofit organization separate and apart from the FBI.}