What we do
Fee-Only Financial Planning and Investment Management
Financial Planning
Do you question the balance between planning for your future and the experiences you want to be a part of today? We’ll create a financial plan that provides peace of mind and encompasses funding not only your long-term financial goals, but precious life experiences as well.
Education
Do you have complicated employee benefits such as stock options or RSU’s? Are you unsure how they fit into your finances, or better yet, what an RSU even is? We’ll educate you during the financial planning process, to ensure we’re all on the same page.
Investment Management
We begin by discussing risk, aligning your portfolio with your goals, and being transparent about costs. We take the every day decision making and stresses of being an investor out of your hands, while keeping you informed and educated along the way.
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Why Millennial Wealth?
Online Financial Planning for Millennials across the country. Based in Seattle, WA.
Fiduciary Advice
Millennial Wealth is a fee-only financial planning firm. We’ve signed a fiduciary oath to act in the best interest of our clients. We eliminate conflicts of interest by not selling financial products of any kind.
No Account Minimums
Many financial advisors require a minimum account value before they’ll accept a client making it difficult for young professionals to receive financial advice. Millennial Wealth brings financial planning to everyone.
Transparency
Fees shouldn’t be kept in the dark when paying for financial advice. You’ll always know what you’ll pay prior to committing to work with us.
Recent Posts
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What is the After-Tax 401(k)?
The 401(k) has become synonymous with retirement. It’s the primary type of account used to save for retirement in today’s corporate world. Most are aware of the tax benefits a traditional 401(k) provides along with often generous “matching contributions” made by employers to encourage saving. However, one potentially overlooked 401(k) option by both employers and[…]
How to Maximize Roth Conversions
Roth conversions are a powerful tool to utilize for various reasons when it comes to maximizing retirement savings. A Roth conversion is an essential part of the back-door Roth ira strategy (for high-income earners) who otherwise can’t make a direct contribution to a Roth. It’s also a strategic way to “max out” marginal income tax[…]
How to Create Your Own Investment Portfolio
Creating your own investment portfolio or strategy boils down to a few key principles. The key topics we’ll cover in this article include tax-efficiency, time horizon, assessing risk tolerance, and diversification. Once you have a solid understanding of how these topics apply to your situation, creating a customized portfolio in pursuit of your goals can[…]
5 Important Money Questions to Ask Your Parents
Discussing money with your parents can be a hard topic to approach. Depending on the family dynamic, it may or may not be a subject that was ever breached growing up. Money has and continues to be a taboo subject even between family members. Despite this, it’s more important than ever to have money conversations[…]
3 Money Saving Tips for College
With the ever-increasing costs of college, starting to save for a child’s college expenses can feel like a daunting endeavor. Not to mention balancing saving for college with the myriad of other financial priorities you or your family may be working towards such as your own long-term financial security. However, as with any financial goal,[…]
Unusual To-Do’s Before Your Next Trip
Guest Post By Shreya Lay — Estate Planning Attorney I had been accepted to speak at a conference in Norway. Last minute (awfully routed) ticket – check; connecting with friends of friends for a free place to stay (and some local guides) – check; conference sign-up and presentation – check, check! Bergen is beautiful. April[…]
Financial Checklist for Newlyweds
Of the many exciting and potentially stressful items on the to-do list prior to or after getting married, is to organize joint finances. Hopefully, conversations around finances have already been had prior to getting married so that each spouse has a good idea of the other’s financial situation. Having these conversations are extremely important because[…]
How to Articulate and Prioritize Financial Goals
When people initially reach out to myself or other financial planners, it’s typically centered around particular financial questions, goals, or issue they need help with at that particular point in time. Other times, it’s a combination of all these things, as their situation has become too complex for it to be worth their time and[…]
Introduction to Behavioral Finance and Common Investor Biases
Modern portfolio theory is a generally accepted practice used by many financial advisors, individual investors, and large institutions in managing their investment portfolios. It aims to optimize the expected return based on a given amount of “risk”. Through diversification, the portfolio becomes more efficient at optimizing returns. This takes into account a plethora of mathematics[…]
5 Ways to Increase Your Personal Cash Flow
Our personal cash flow is the underlying tool we use to achieve our financial goals. A salary or some form of compensation for performing a job is typically the most common form of personal cash flow. On a monthly basis, we decide what to do with our cash flow and how it’s allocated ultimately determines[…]
Why Tracking Your Net Worth Is Important
Our personal balance sheets can tell us a lot about our current financial standing. It’s simple, assets minus liabilities equals net worth. Over time, the goal is to pay down liabilities, increase assets, and in turn increase net worth. If you’re sticking to a strategy that essentially sticks to this basic concept, you’re more likely[…]
What We Can Learn From Warren Buffett’s 2018 Annual Letter
Berkshire Hathaway’s and Warren Buffett’s annual shareholder letter is typically a treasure trove full of business and investing insight. Along with thoughtful perspective on the important roles investors, managers, and businesses play in our economy. This years letter was no exception! In this article, I’ll break down the most compelling, insightful, and thought-provoking quotes from[…]