Millennium Personal Finance, LLC

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Client assets under management

$484,834

Clients

17% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Very Low

Average account size

$80,806

About

Millennium Personal Finance, LLC advises individual and high‑net‑worth clients on comprehensive financial planning and investment management. Its services encompass holistic financial planning, discretionary and non‑discretionary portfolio management, and insurance recommendations, and the firm discloses that tax planning, tax projections, and preparing and filing tax returns are included within its planning offerings.

The firm delivers plans using eMoney with annual updates and periodic client meetings, and constructs diversified portfolios that may include equities, fixed income, mutual funds and ETFs, implemented according to each client’s risk profile. Millennium uses third‑party research and model portfolios from industry partners to inform portfolio construction, monitors accounts for rebalancing, and conducts reviews triggered by market or client‑specific events.

Noteworthy aspects include its small, boutique scale—two advisors serving a very small number of clients with modest reported AUM—and its status as a licensed insurance agency in which certain adviser‑representatives receive commissions on insurance sales, a conflict the brochure discloses and explains how it is managed. The firm also integrates tax‑return preparation and an informational estate‑planning meeting into its planning program, elements the brochure highlights as part of its service model.

Client services

Financial planning Portfolio management Educational seminars or workshops

Expertise

General tax planning Life insurance needs analysis Disability insurance Long-term care insurance Debt management

Fee options

Percentage

0.75% annually

Commissions

Commissions received from sale of insurance products through Millennium

Subscriptions

$99 per month for financial planning maintenance fee

Main office location

Millennium Personal Finance, LLC

301 W Michigan Ave, Ste 407

Ypsilanti MI 48197, United States

Number of offices

Most active in

Michigan

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Is not active or affiliated with:

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Website 734-219-0981

Advisors at this firm

Luke Z

Series 66

Ypsilanti, MI

Millennium Personal Finance, LLC

Luke Zimmerman is a financial advisor at Millennium Personal Finance, LLC with six years of industry experience. He holds a Series 66 designation and has previously worked at Hantz Financial Services and Hantz Bank. Outside of finance, his background includes roles at the University of Michigan and in education and recreation management. Millennium Personal Finance, LLC is an independent investment adviser providing holistic financial planning and portfolio management services to individuals and high-net-worth clients. The firm emphasizes comprehensive planning supported by technology and regular client reviews, using diversified model portfolios and integrating services such as estate-planning attorney consultations and tax support.

General tax planning Life insurance needs analysis Disability insurance Long-term care insurance Debt management

Andrew D

Series 66

Ypsilanti, MI

Millennium Personal Finance, LLC

Andrew Duncan is a financial advisor with Millennium Personal Finance, LLC, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Fidelity Investments and Thivent Financial, as well as positions in education with Lincoln Consolidated Schools. Outside of his advisory role, Andrew serves as a swim coach at Lincoln High School in Ypsilanti, MI. Millennium Personal Finance, LLC is an independent, state-registered investment adviser providing holistic financial planning and portfolio management services to individuals and high-net-worth clients. The firm emphasizes comprehensive planning through eMoney and diversified model portfolios, incorporating equities, fixed income, mutual funds, ETFs, and, when appropriate, alternative investments.

General tax planning Life insurance needs analysis Disability insurance Long-term care insurance Debt management

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