Millennial Financial Planning

Millennial Financial Planning is a fee‑only, independent registered investment adviser that serves individual clients, including high‑net‑worth individuals, with investment management and ongoing financial planning. The firm provides portfolio management across stocks, bonds, mutual funds, ETFs and cash equivalents and offers comprehensive planning services such as business planning, cash‑flow and debt management, college savings, estate planning, insurance review, and retirement planning.

The firm’s investment approach emphasizes strategic asset allocation and passive portfolio construction informed by Modern Portfolio Theory, while also using third‑party Outside Managers and direct‑indexing implementations where appropriate. The adviser assists clients with manager selection, completes Outside Manager profile questionnaires, monitors those managers, and conducts quarterly account reviews; accounts may be managed on a discretionary basis as agreed with the client.

Notable features include the firm’s small scale (about five clients and roughly $256,000 in assets under management) and its explicit use of Outside Managers and direct indexing, including a disclosed ability to direct those managers to effect trades without prior approval for each transaction. The brochure also notes the firm includes held‑away accounts in its AUM calculations, does not aggregate or block client trades, and that the principal maintains unrelated outside employment and performing activities.