Sara Rajo-Miller

Investing, Insurance, Lifestage Based Planning
“Sara works closely with clients to design and implement customized investment plans based on their unique needs. Sara has been recognized by Forbes as one of America’s 200 Top Women Advisors.”

Miracle Mile Advisors

Job Title:

Investment Advisor


Sara Rajo works closely with clients to design and implement customized investment plans based on their unique needs. As Investment Advisor, she constructs detailed investment and cash flow models, asset allocation recommendations, wealth transfer structures, pre-transaction planning recommendations, and a variety of other life planning strategies. Sara has been recognized by Forbes as one of America’s 200 Top Women Advisors.

Prior to joining Miracle Mile Advisors, Sara worked as an analyst at a global talent agency in the business affairs and client services division where she assisted the principals in modeling financial plans and agency agreements.

Sara received her Bachelor’s Degree from the University of California Los Angeles, Dean’s List. She holds the Financial Industry Regulatory Authority (FINRA) Series 65 securities license and active life insurance license in California (CA #0L20841). In Los Angeles, Sara is involved with CFCC (Commercial Finance Conference of CA) as a board member of the Young Professionals Group. Sara is very involved in philanthropic causes in Latin America. She is also actively involved in Big Brothers Big Sisters of Greater Los Angeles and Step Up Women’s Network. Sara is fluent in Spanish and conversational French.


BA, University of California Los Angeles

Assets Under Management:

$355 million

Insurance License:

#CA #0L20841

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December 2017
    ETFs, Investing, Mutual Funds

All Answers
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    IRAs, Starting Out
How can I make the most out of my Roth IRA with little income?
80% of people found this answer helpful

Roth IRA’s are one of the best types of retirement savings accounts that exist. The money you put into a Roth IRA grows tax free, and when you start taking money out of the account later in your life, it comes out tax free. On top of that, there are no required minimum distributions from a Roth IRA, meaning that you are not required to start taking money out of it at a certain point if you don’t want to. You can let the assets grow in the Roth IRA tax free for as long as you want.  

You have already opened a Roth IRA, which is the first step in the right direction! The next step is to continue saving each year by funding it with as much as you can up to the maximum. The maximum you can put into it each year at your age is $5,500. However, if your earned income is less than $5,500, you can only contribute up to your earned income. For example, if you have $2,500 in earned income this year, the most you can contribute to your Roth IRA this year is $2,500.

 The more you can save the better, so I would try and contribute as much as you can each year after you cover your living expenses. With the money in the account, I would recommend buying a diversified, low cost index fund.

Usually, you do not start taking money out of a Roth IRA until you are 59 ½  to avoid paying penalties. However, there are certain exceptions to this rule that allow you to take money out of your Roth IRA before the age of 59 ½ without penalties for things like buying your first home or paying for college. Make sure you talk to someone about the specifics however before withdrawing funds, so you aren’t hit with any penalties.

Hopefully this was helpful. Feel free to reach out with additional questions.

September 2017
    Financial Planning, Investing
How should I invest my money as a recent college graduate?
33% of people found this answer helpful
September 2017
    Investing, 401(k)
Should I keep contributing to my 401(k) or use those funds to invest?
0% of people found this answer helpful
October 2017
    Investing, Asset Allocation, Stocks
What are some strategies for turning a small amount of cash into a diverse stock portfolio?
3 weeks ago
    Asset Allocation
Are financial advisors permitted to use derivatives as a form of risk management?
3 weeks ago