Karen Miller


Gasber Financial Advisors, Inc.

Director of Financial Planning Services

Karen Miller


Gasber Financial Advisors, Inc.

Director of Financial Planning Services

Our mission is to help families achieve their financial goals. We are their trusted advisor. - Karen Miller, CFP®, CPFA

Located in Folsom, CA, serving clients across the country

Karen Miller is a Folsom, CA fee-only financial planner. Gasber Financial Advisors, Inc. provides comprehensive financial planninginvestment management and 401(k) services to families, women in transition, and executives. We are the trusted advisor to our clients.  Karen Miller is a Certified Financial Planner®. She has a legal obligation to provide unbiased and trustworthy financial advice. Karen is located in Folsom, CA, serving clients across the country. 

Karen MIller joined Gasber Financial Advisors, Inc. in November 1994 after a ten year career with Macy’s in sales and management. At Macy’s she learned that the core of excellent service consists of careful listening and attention to detail. Today, Karen believes that financial independence should be a realistic goal for everyone, and that getting there need not be a painful experience. Her educational background includes a Bachelor of Science in Business Administration from California State University, Sacramento in 1987, a Paralegal Certificate from MTI Western Business College and completion of the ParaPlanner program through the College of Financial Planning in Denver, both in 1994, a certificate in Personal Financial Planning from UC Davis Extension and the CERTIFIED FINANCIAL PLANNER™ certification (CFP®) in 2013 and the Certified Plan Fiduciary Advisor (CPFA), a specialized designation in 401(k) plan management in 2015.

As Director of Financial Planning Services Karen works with clients in the development and implementation of their customized personal financial plan. This collabrative process starts with the development of personal financial goals, continues with the identification of assets, liabilities and opportunities and concludes with the creation of sophisticated financial strategies. Through regular quarterly meetings Karen insures that the plan is implemented, modifications and updates are made as needed and ultimately, goals are achieved. Karen also works closely with Gerry in the investment and management of client investment portfolios.

Because Karen believes so strongly in the value of financial planning she has given freely of her time in support of the Financial Planning Association of Northern California, serving four years in the position of Co-Director of Membership, serving as President Elect in 2018 and as President in 2019.

Karen lives in the Placerville foothills with her husband and her dog. When she is not studying for a new degree or professional designation, she enjoys spending time with her family and friends, preferably in the outdoors camping, hiking or whitewater rafting.


Our Mission

Our mission is to assist our clients in the creation of a life that excites them, nurtures those they love and fulfills their highest aspirations.

By creating and implementing a prudently crafted, comprehensive financial strategy, we enable our clients to devote more time and attention to what truly matters in life, secure in the knowledge that the important financial details are being addressed.

Points of Distinction

When you contemplate retirement, financial decision-making takes on added importance.  After you retire, you are ready to enjoy the wealth you've accumulated.  And not worrying about your finances is critical to having a life both now and in the future that excites you, nurtures those you love and fulfills your highest aspirations.  That is why many people seek a trusted advisor with the expertise, experience and commitment to help them achieve their goals and dreams.

At Gasber Financial, we take the responsibility and trust our clients place in us very seriously.

  • By thoroughly analyzing each client's financial situation, we create a comprehensive, personalized financial plan with the goal of leaving no aspect of his or her financial future to chance.
  • We believe that successful long term investing is a simple process but it is not easy.  To insure implementation of a prudent, disciplined strategy each client's investment portfolio is governed by a written investment policy.
  • Because a plan is only as good as its implementation, we continue to work closely with each client after delivery of their financial plan to make sure recommendations are followed and adjustments are made as needed.
  • We strive to provide each client with the highest level of service and personalized attention.  As a result we realize that we cannot be all things to all people and have committed to limiting our practice to an appropriate number of families.


Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Investment Management
  • Retirement Planning
  • Tax Planning

Ideal Clients

  • Growing Families
  • Women in Transition
  • Business Owners and Executives
  • Nearing Retirement

Working Together

  • Complimentary Initial Consultation
  • Fee-Only, No Product Sales
  • In-Office Meetings
  • Virtual Meetings

Professional Designations & Affiliations

  • Certified Financial Planner (CFP)
    Karen Miller is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • Certified Plan Fiduciary Advisor (CPFA)
    Karen Miller is a Certified Plan Fiduciary Advisor (CPFA)

    The Certified Plan Fiduciary Advisor (CPFA) credential — developed by some of the nation’s leading advisors and retirement plan experts — demonstrates a financial advisor's knowledge, expertise and commitment to working with retirement plans.

    Plan advisors who earn their CPFA demonstrate the expertise required to act as a plan fiduciary or help plan fiduciaries manage their roles and responsibilities.

  • Dimensional Funds
    www.GasberFinancial.com is an Approved Dimensional Funds Advisor

    Dimensional believes an advisor can work closely with you to understand your financial needs and provide a range of wealth management services, while encouraging the discipline essential to long-term investment success. Financial advisors who work with Dimensional operate independently from Dimensional and vary in the extent to which they use Dimensional funds.

  • Financial Planning Association
    Karen Miller is a member of The Financial Planning Association® (FPA®)

    FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.

Contact Karen Miller

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Office Locations:

  • 81 Blue Ravine Road
    Suite 250
    Folsom, CA 95630

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