What type of advice did Miller NOT provide to Joe?

Miller did not provide loan restructuring advice to Joe. The focus here is on the nature of the advice typically offered by a financial advisor, which often includes evaluating different investment options, discussing potential tax consequences, and assessing an individual's risk tolerance to tailor financial strategies to their needs.

Loan restructuring, while an important aspect of financial planning, may not fall under the core advisory roles of an investment-focused advisor like Miller. Instead, it is more commonly the purview of a financial planner or advisor specifically targeting debt management. Therefore, despite the importance of loan restructuring, it stands out as the type of advice not provided in this scenario.