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Donovan Miller, LPL Financial Planner

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Donovan Miller, LPL Financial Planner

CERTIFIED FINANCIAL PLANNER™ for individuals, families & business owners | Managing Partner at Deneault & Greyard | Charlotte, NC

Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. finra.org sipc.org

Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with

residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

09/02/2026

“What should I do when my CD comes due?”

I’ve had more clients than usual ask me this recently. When rates were higher, renewing was an easier decision.

The first question I ask: When will you need the money?

If you aren’t sure:

• A high-yield savings account or money market fund can keep the money liquid and ready to use.

If you’ll need it within the next few years:

• Renew the CD if the rate is competitive and the maturity date matches your timeline.

• Move it to another bank or brokerage account if you can find a better rate or term.

• Consider CDs or Treasuries with different maturity dates so the money doesn’t all become available at once.

If you won’t need it for 5+ years:

• Consider investing it for long-term growth. Depending on the investments, this may also be more tax-efficient than CD or money market interest.

Rate matters, but it shouldn’t be all you look at. Think about when you’ll need the money, then look at the rate, liquidity, and taxes.

For example, Treasury interest is exempt from state income tax, CD interest is not.

08/26/2026

I'm happy to announce the newest member of our team, Noah Ingalls!

Thank you to all of our clients who have supported us and helped our practice continue to grow.

Adding team members with different areas of knowledge and expertise adds a ton of value for our clients.

Read more about Noah below:

08/10/2026

What financial moves should you make after a windfall?

Legacy planning can be one of the most rewarding ways to "spend" money, especially when your children are in their 20s, 30s, and 40s.

The alternative is waiting for them to inherit it someday. By then, they may be in their 50s or 60s, when the money may not have the same impact

A gift made earlier could help with a first home, education, starting a business, or getting a major head start on long-term investing.

08/04/2026

"Should I invest when stocks are this high?"

High according to who?

Sure, the S&P 500 has nearly doubled over the past five years.

But earnings estimates have grown even faster.

That means investors are paying less for each dollar of expected earnings than they were five years ago.

On a forward price-to-earnings basis, the S&P 500 is actually cheaper than it was five years ago, and hovering around its 10 year average.

07/29/2026

Two opposite client experiences:

1. Client calls
2. I answer
3. I help process a withdrawal from the most tax-efficient account having already known their account types, financial goals, tax situation, risk tolerance, etc. It takes 5 minutes.

VS

1. Client calls a 1-800 number, is on hold for 5 minutes
2. Talks to an AI chatbot, says "representative" 20 times
3. Gets directed to the main line, verifies their name, number, verification code, SSN, and their dogs maiden name.
4. Gets re-directed to a call center financial advisor they've never met, they have to verify everything again for some reason (why even verify the 1st time?)
5. Client has to either explain their entire financial situation to get proper advice. Or, more commonly, they are told blanket statements, receive suboptimal advice, and end up overpaying in taxes.

07/23/2026

I made a finance version of the Connections game, link in comments.

If you can't do it, you should probably hire a financial advisor...

07/20/2026

Leaving too much cash on the sidelines is one of the most common drags on wealth-building for high-earning families.

Here's how much of a difference it can make:

07/08/2026

How much income does it take to feel "comfortable" in Charlotte, NC?

By "comfortable", I mean:

• Living in a home you're happy with
• Saving consistently for retirement/financial goals
• Having "fun money" left over without constantly worrying about your budget

From what I've seen with our clients, people often start to feel that way around:

• Single, no children: ~$80,000+
• Dual income, no children: ~$120,000+ combined
• Dual income, children: ~$150,000+ combined

The biggest variable I see is when you bought your home.

Someone who bought before 2020 with a lower price and a 3% mortgage may need a lot less to feel comfortable than someone buying today's prices/rates.

What income would you consider comfortable in Charlotte?

07/01/2026

Financial freedom is freedom.

It's the freedom to have options.

If you could no longer work tomorrow, it's having the savings and investments to cover your expenses.

It's not having to constantly worry about money.

Happy 4th of July! 🇺🇸

06/23/2026

How much should you contribute to your 401(k)?

Most families make one of two mistakes:

1. Not investing enough.

This is pretty straightforward. If you’re not saving enough, you may not be on track to retire when you want to.

10-15% is a solid starting point, but it depends on your age, current savings, employer match, and how much income you’ll need in retirement.

2. Investing too much in retirement accounts.

High earners can become obsessed with maxing out every retirement account available, while ignoring the accounts that give them flexibility before retirement.

That's why I like taxable investment accounts.

No contribution limits, no age restrictions, and no penalties for using your money.

If you're a high-earning couple in your 30s or 40s, having money readily available to buy a house, help your kids with college, start a business, or travel may be more valuable than squeezing every last dollar into retirement accounts.

Address

5950 Fairview Road
Charlotte, NC
28210

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+19804950054

Website

https://www.dgplanning.com/

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