Stewardship
Whether you're just starting out or experienced in your financial journey, the wealth you build today can create an impact for generations to come. Who knows? Maybe it could even last a thousand years.
Financial Planning
Everything starts with a plan. Our software allows us to collect real-time data about every piece of your financial picture and organize it to inform our recommendations. This helps us understand whether you're on track to reach your goals and, if not, what changes can be made to get there. Each year, we'll publish a customized report just for you.
Years from now, you'll look back on that first plan, see how far you've come, and think, "Boy, I'm glad I hired Millennium!"
Cash Flow
We all start somewhere. Even before you have savings, you have to manage your cash flow. Having a financial plan enables you to visualize your income and expenses so you know how much you can spend and how much you need to save for the future.
There is no right or wrong budget, but Millennium can help you understand your saving and spending to make sure it aligns with your values.
Investment Strategies
Your plan determines how your investment portfolio should look. It includes a timeline of when each piece of your portfolio is likely to be spent. That matters because time horizon is the most important factor in risk tolerance.
Saving up for a big renovation next year? We may want to invest those dollars with more downside protection. Planning for retirement in 30 years? It makes sense to invest that piece of the portfolio more aggressively. Whatever your situation, Millennium can help your investments make money without irresponsible risk.
Tax Planning
Tax planning is about more than just preparing a tax return. By the time tax day comes around each year, it's too late to change the outcome! At Millennium, we provide forward looking tax forecasts which help you anticipate what's coming and give you time to change course if you don't like where things are headed. Over the long term, tax planning can dramatically reduce your total lifetime tax cost.
Insurance
What good is a financial plan if an unexpected event knocks it off course? Uncertainty is a fact of life, and having the right protection is critical. What you have to protect dictates what your coverage should look like, which is why it's important to have your insurance portfolio connected to your financial plan.
Whether it's life insurance, home and auto, disability, long-term care, or liability protection, Millennium has you covered.
Debt Management
Debt is like fire; It's a useful tool but it can be dangerous if it's not contained. If you are burdened by debt, we can help you make a plan to get out. If you're planning for a major purchase, we can help you get it financed in a responsible way that doesn't jeopardize your long-term goals. If you have debt that's already under control, we can keep an eye on interest rates for you and make you aware when there is an opportunity to reduce your interest costs. No matter what your relationship is with debt, Millennium can help make it healthier.
Estate Planning
We don't build wealth for its own sake. We do it because there are people and causes that are important to us, and financial security enables us to have adventures with those people and further those causes. But those communities and values don't cease to matter when we pass away.
Estate planning is about continuing the tradition of stewardship when we are no longer here to protect our legacy. When you build wealth, you create possibilities not only for you, but for those after you for generations to come. The drive to steward your legacy is where we got our name; What impact will yours have in a thousand years?