Client Testimonials

Working with Michael has been an exceptional experience. His depth of professional knowledge and financial expertise is immediately apparent. He combines technical skill with a clear ability to translate complex financial concepts into practical, easy-to understand guidance. I always feel that his advice is grounded in both sound strategy and genuine care for me and my long-term goals. Beyond that, Michael is remarkably accessible and responsive. Whether by phone, video, email, or in person, he is readily available and handles questions promptly and thoughtfully. Every interaction feels professional, respectful, patient, and sincere, which makes even potentially stressful financial discussions positive and productive.

Overall, I have complete comfort and trust working with Michael. His combination of integrity, expertise, and approachability creates a strong sense of partnership — I truly feel my financial wellbeing is in capable hands. I enthusiastically recommend Michael to anyone seeking knowledgeable, reliable, and caring financial guidance.

Dr. Meyer

I am a senior surgeon and director of a large surgical service at a tertiary care hospital. My work time demands are intense, and it has been a complete “game changer” for me and my family to team up with Michael Ma and Emeritus Wealth to help manage our family’s financial assets. I learned about Michael because of colleagues who had worked with Michael for years. The high praise they provided was completely on target. Michael and his team are totally on top of our finances and keep my wife and I fully informed at all time. There are no surprises and everything he recommends makes sense. He is immediately accessible, and always respectful of our time. He and his colleagues are super smart and superb at explaining financial concepts and putting those concepts into the context of current events. My wife and I have total confidence working with Michael and the Emeritus Wealth team.

Dr. Howard

Our family loves Michael Ma because he provides sound advice and explains it thoroughly for our full understanding. Michael is very responsive and responds quickly to an email or phone call on a simple or complex financial question. We can rely on Michael's advice with confidence as we analyze our financial situation including taking next steps in our financial and tax strategies. Michael's knowledge is superior as he is always up to date on changes in tax law and in financial strategies which assists us in making excellent and reasonable financial decisions. Michael always puts our interests first which speaks to his level of service as a fiduciary.

L.B. and D.B

Carol and I always look forward to your visits with us to assess financial performance and plan for the future.



We value your knowledge and expertise, and perhaps even more so, your willingness to listen to us.

In our visits, you always demonstrate what true professionalism means by understanding our financial needs and making it easy for us to share our thoughts.

In sum, we can think of no one better to guide our financial planning journey.

Donald W.

We feel very fortunate to have Michael as our financial advisor. Over the years that we’ve known him, we’ve come to trust him implicitly to give us clear, straightforward advice about our investments and to respond quickly whenever we have questions. Michael has been so consistently excellent over the decade or so that we’ve known him that we’ve come to regard him less as an advisor and more as a partner in our financial journey.

Adam C.

Michael Ma is an exceptional financial advisor. He assists me in my complex family arrangements, and is always professional and extremely knowledgeable. On top of all that, Michael is extremely accessible, always meeting us for scheduled appointments, as well as taking our calls (or responding to emails) between meetings. I heartily recommend Michael to everyone needing financial services, no matter how complicated.

Audrey P.

I'd like to share some of my thoughts about my experience with you over numerous years. We first met while I was working and married. I've since been retired 5 years and divorced longer than that. Your expertise and knowledge has helped guide me financially through the years! You are always easily available to answer any questions I might have in a very prompt manner. I feel extremely comfortable and totally trust you and your financial judgment. For this reason I feel very fortunate to have you as my financial advisor! Thank you so very much for your years of service and kindness!

Becky W.

Michael and the Emeritus Wealth Management team have been outstanding to work with. They are highly responsive, organized, and consistently available to answer questions as they arise. I particularly value the clarity of our annual reviews and the thoughtful follow-up in between.

Michael’s guidance is transparent and aligned with my family’s goals, and his advisory approach feels both practical and reasonably priced. He has also been very helpful in coordinating with our estate planning attorney and supporting other members of my family.



Overall, I have a high level of trust in his advice and greatly appreciate the professionalism and responsiveness he brings to our relationship.

Dr Sohn

My late husband Ned and I had known about Michael before his current position and had been impressed with his readiness to inform himself as he grew in the profession. He was always ready to set up appointments at a location near to us (Easton, PA) despite his location in Philadelphia, which would have meant time and travel for us.



When he changed his own circumstances, we were more than glad to "move" with him to his new, expanded offerings.

Michael responds almost instantaneously when I contact him! I can find his email early in the morning, or any other time of day. I know he is there, willing to help no matter when I contact him.

He is always friendly and offers well-researched advice AND is gracious in explaining difficult concepts to a naive person like me. Nothing is ever too much trouble or timeconsuming for him. He hops right on a problem and has very reliable assistants in his ventures. I'm never "a bother" in his exchanges with me.

I have no difficulty whatsoever recommending him to others who need financial guidance.

Linda H.

Michael Ma/ Emeritus Wealth Management is an extraordinary financial advisor. He is very knowledgeable and professional and regularly updates his clients.. He and his teammate Andrew are always extremely responsive and accessible, and his advice is always tailored to meet the specific needs of his clients. We have worked with Michael for years and have referred many (at least 6) clients to him, all of whom have appreciated his excellent service, thoroughness and personal interactions. I recommend him without reservations.

Janet N.

We have worked with Michael as our financial advisor for more than 10 years. In that time he has earned our complete trust through clear advise, given us steady guidance and has always been honest. He explains complex investments without jargon, remembers family details and truly listens to our needs and goals. We also appreciate Michael’s quick response to calls and emails when we have questions. He is also proactive about check ins with us not just at year end. Thanks to his follow through we have peace of mind for our financial future and our kids financial futures.

Jim and Mary Lou B.

I can't recommend Emeritus Wealth Management's Kevin Millard highly enough. He is always available and accessible, courteous, supportive, informative, but never condescending in response to my financial ignorance. He also clearly knows my values and incorporates that in his handling of my finances.

Susan V.

I have been working with Kevin Millard for over 10 years, the last 6 with Emeritus. His knowledge and experience has helped us build wealth and comfort in retirement. He is always available to discuss any questions that we have and checks in with us often. He goes above and beyond to make sure we are informed and we are confident in his ability to make the right decisions for us. I look forward to working with Kevin in the long-term future.

Jeff & Sue H.

Your professional experience and knowledge are exemplary! Along with this, your availability, responsiveness, accessibility, and engagement has always been prompt and immediate - allowing me to feel confident in all decision making regarding my retirement. Throughout the years, I have been greatly satisfied with the courtesies of the entire team as well as the services provided. I personally am extremely confident in the working relationship I have with Kevin and would recommend him to friends and family.

Suzanne S.

Kevin Millard has been my financial advisor since 2019. When he started his own company, Emeritus, in 2022, my wife and I followed him there, and more recently I moved my mother’s accounts to Emeritus as well. He and his partner, Michael Ma, are model fiduciary financial managers: professional, knowledgeable, attentive, always looking out for our best interests with a real understanding of our particular circumstances. I couldn’t imagine a more satisfactory financial relationship.

Eric H.

My wife and I have partnered with Kevin Millard and the Emeritus Wealth Management team for several years, and it remains one of our strongest financial decisions. Emeritus managed the transfer of our funds to Fidelity with complete efficiency and transparency. Under Kevin’s management, we gained a tremendous sense of confidence and peace of mind knowing our investments were being handled with expertise. Our regular portfolio reviews are clear, datadriven, and forwardlooking, giving us a precise understanding of our monthly spending capacity and longterm financial trajectory. Kevin and Operations Manager Andrew Shamy consistently provide prompt responses and flawless execution of trades. Having worked with multiple wealth managers in the past, Emeritus stands out for their superior level of comfort, professionalism, and holistic financial planning—factoring in taxes, RMDs, Medicare costs, and more. Equally important, the investment returns we’ve experienced have exceeded our expectations.

Sue & Joe B.

My wife and I have been working with Kevin for 13 years. During this time we have come to know, respect and appreciate his competency, his dedication to his clients, and his important attention to developing a well-established, trustworthy and respectful relationship. He has been, and continues to be, a courteous, exceptionally knowledgeable, and responsive Financial Advisor. The depth and breadth of his experience, founded in his educational background and followed by his extensive experience in financial management, has provided a reassuring comfort level of respect and trust that is appreciated and critical to his clients. Moreover, he is exceptionally accessible and responsive, always providing a quick well-informed response to any questions. Over a decade of working with Kevin, it has been repeatedly clear that he is a dedicated, ethical and knowledgeable individual and Financial Advisor.

JEB

When deciding to have my investments managed professionally, I prioritized looking at their credentials, interpersonal skills, trustworthiness and competency. Kevin and his team has delivered in all areas of my concerns! His sound advice and listening skills are exactly what I was seeking in an advisor! He has my complete confidence. I highly recommend Emeritus.

Diane

We have worked with Kevin for at least 10 years and have always found him to be informative, professional, responsive and highly understanding of our needs. He helped us to seamless transition from pre-retirement to retirement. He and his staff managed all of the paperwork and made everything so simple for us. He has guided our investments successfully and we have full confidence is his judgement and recommendations. We have recommended Kevin to several colleagues and family members and all of these individuals have been very satisfied.

Anonymous

Retiring sooner than I had planned was both scary and overwhelming. I was faced with decisions that felt intimidating, and I wasn't sure how to navigate them. From the very beginning, you took the time to explain each issue in a way that was clear, understandable, and never overwhelming. Your patience and ability to make complex financial concepts approachable gave me the confidence to move forward with a potentially risky personal decision.



I have always been impressed by your knowledge and professionalism, especially in these incredibly trying times, but what was more important to me was your genuine commitment to making sure I felt heard and that there were no “stupid questions”. You took the time to understand my goals and concerns and never made me feel rushed or pressured.

You have consistently been responsive, accessible, and proactive in keeping me informed. Knowing that I can reach out with a question and receive thoughtful guidance has been incredibly reassuring.

You made what could have been an incredibly stressful transition become a manageable one and I recommend you without hesitation.

Thank you for helping me approach this new chapter of my life with confidence!

Kelli

As a Wealth Advisor, Kevin Millard has managed my retirement portfolio for a good number of years.

He is an experienced and knowledgeable professional and I fully trust his advise.

From the beginning I felt comfortable working with him because of his open and engaging personality.

He has always been responsive when I needed help and he has been accessible to meet in person or for video calls when necessary.

I’m grateful to have him as an advisor and I truly value our working relationship.

I can recommend Kevin Millard without reservation.

Hans

We have been fortunate to be recommended to Kevin from a family member who has worked with him for sometime. Kevin, we found to be both knowledgeable and responsive. Having worked with large national investment firms it is nice to work with someone who doesn't treat us as a part of a large genetic group but gives our accounts personalize attention. Through his efforts our accounts have been well managed during the ups a downs of the market.

Ron

I very much appreciate working with Kevin Millard….I met Kevin when I was reviewing my retirement plan, probably 14 years ago…I had not expected to change plans, but with his information I joined him and have been quite pleased ever since. I appreciate his professionalism, and the manner in which he has handled my account. He is readily available if I have questions or need advice. Cannot recommend him more highly.

Robert F., MD

Working with Kevin and his team has been a great experience. They are knowledgeable, responsive, and genuinely invested in helping their clients succeed. Their thoughtful guidance and professionalism make them a team I would confidently recommend.

ML

We first met Kevin Millard when he was our advisor at TIAA/CREF. We were very disappointed when he left that organization but were delighted when we found out that he and a few colleagues had started Emeritus Wealth Management. We transferred our portfolio because we trusted him implicitly, based on our prior interactions both in-person and via Zoom. Both Linda and I have always been completely comfortable in our interactions with him, sharing our goals and desires, and trusting his advice when life-altering events changed those goals and desires. Kevin has always been an engaging personality, is very approachable and always responds to questions and requests promptly. Between he and Andrew, any financial requests/requirements have been implemented without delay and with minimal effort on our part. We feel we are valued clients of Emeritus Wealth Management and look forward to a safe financial future with Kevin as our CFP.v

Professor Carmen S. & Linda A.