Millennium Investment and Retirement Advisors, LLC

MillenniuM Investment & Retirement Advisors provides fee-only investment management and comprehensive retirement plan consulting to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations and small businesses. The firm includes ERISA 401(k) consulting as a core service and often acts as a Named Fiduciary or as an ERISA 3(38) investment manager while also offering financial planning, tax preparation and hourly or retainer engagements.

Investment decisions are implemented through a strategic asset-allocation framework using a core-and-satellite approach that relies on passively managed index funds and ETFs for core exposures and selectively adds active managers where appropriate. The firm cites the Prudent Investor Rule, Nobel-prize-winning academic research, behavioral finance and partnerships with providers such as Dimensional as foundations of its process, and it accepts discretionary trading authority under a limited power of attorney to execute client strategies.

MillenniuM is notable among peer teams for its scale and structure: it manages approximately $1.37 billion in regulatory AUM with eight advisors across six offices and maintains documented business-continuity procedures and alternate-office support. The firm also engages in ERISA-related consulting beyond typical advisory work—serving as expert consultants in 401(k) class-action matters—and, unlike many peers, uses derivatives in separately managed accounts as part of its investment toolkit.