Millennium Investment and Retirement Advisors, LLC

Millennium Investment and Retirement Advisors, LLC is a fee-only investment adviser registered with the U.S. Securities and Exchange Commission, with a mailing address in Winston Salem, North Carolina (its office is a private residence, so the street address is not published). On its latest Form ADV, filed June 8, 2026, it reports $1.4B in regulatory assets under management, 182 individual clients and 5 employees who give investment advice. It reports no commission compensation, is not registered as a broker-dealer and does not act as an insurance agent.

Key facts from Form ADV

Registration	SEC-registered
Firm CRD number	117868 · SEC file 801-76544
Office	Winston Salem, NC (mailing address; office not published)
Phone	(800) 344-4038
Website	www.miracenter.com
Regulatory assets under management	$1.4B ($1.3B discretionary)
Individual clients	179 non-high-net-worth, 3 high-net-worth
Financial planning clients	0
How it charges	Percentage of assets, Hourly, Fixed fee
Services	Portfolio management, Pension consulting
Employees	6
Disciplinary disclosures	None reported
Latest Form ADV filing	June 8, 2026

Source: the firm’s Form ADV Part 1A as published by the SEC’s Investment Adviser Public Disclosure database, data as of November 6, 2026. Figures are self-reported by the firm.

What this means for you

• It offers hourly or fixed-fee arrangements, so you may be able to pay for a plan without handing over your investments.
• It also charges a percentage of assets managed for ongoing investment management.
• Most of its individual clients are not high-net-worth, so it is likely to work with people who are still building assets.
• It reports no disciplinary history on Form ADV.

Before you hire any adviser

Read the firm’s Form ADV Part 2 brochure on its SEC record: it sets out fees, minimums, conflicts of interest and who will manage your money. Ask whether the firm acts as a fiduciary for all of your accounts, how it is paid in total, and who holds your assets. Our guide to choosing a financial adviser lists the questions to ask.

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• Scholar Financial Advising, LLC Not reported

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