Millennial Individuals & Families

When you’re just starting out, you have very different financial needs than people in their 40’s, 50’s or beyond.

Usually at this stage of life, you’re struggling with debt and the costs of starting a family. Disposable income is tight.

However, studies show Millennials are more focused on their finances than any generation since the Great Depression. This is a very good thing! It means you’re taking money seriously while you still have time to create a great outcome for yourself.

Getting started down a solid financial path as early as possible, and being disciplined with your monthly budgets now, will mean a world of difference in 20 or 30 years.

nVest Advisors has clients of every age range, but we’re designed to best fit the needs of Millennial and Gen X families and small business owners. We understand the unique challenges our generations face (like Social Security uncertainty, higher tax rates, a soaring federal debt) that previous generations didn’t. And we’ve created our investment management and financial planning services specifically with younger investors in mind.

Here’s how we work with Millennial and Gen X investors. If our ideas make sense to you, let’s see if we’d be a good fit for your family or business! 

When you’re just starting out, usually three things are the most important financially:

  1. Managing and eliminating debt
  2. Building short-term (emergency) savings
  3. Start investing for long-term goals

Together, these three tasks work to stabilize your financial situation, like a 3-legged stool. Loose one leg, and you’ll fall. You need at least 3 “legs” to stay upright.

At nVest Advisors, we start by tackling these three items simultaneously.

By creating a debt pay-down plan and starting to build a true Emergency Fund (to help you avoid going into more debt when unexpected expenses happen), we can stop a family from getting on a debt “treadmill”, where you make payments for decades but never get anywhere close to paying things off.

Meanwhile, we’ll encourage you to begin contributing to a retirement account, either with us or at your job, even if it’s just a very small amount at first. Then, once we have a path out of debt and an emergency fund built, we’ll “ramp up” your investing for retirement and other long-term goals (like college money for your kids).

It’s simple, but it takes discipline. We’re that “life coach” for lots of Millennial families, and we’d love to help your family, too.

Are you ready to get serious? Let’s connect.

Of course, there is no way to invest without some costs involved. Most of our industry works on commission (asking how they are paid is a VERY important question to ask of any insurance or investment professional). That means they earn their pay whenever you buy a product from them. Those products must “price in” the cost of the agent’s commission, so they tend to be very expensive to purchase and own long-term.


What commissions and high ongoing fees means to you is: lower returns; lost money. And over a period of 10, 20 or 30 years, those commissions and fees can add up to staggering amounts.

At nVest Advisors, we choose to receive an advisory fee from our clients for the money we manage, and NOT use any investments that have commissions built into them. This gives you a much lower investment cost over time, and more importantly, it eliminates significant conflicts of interest when we make our investing recommendations. (Instead of looking for products that pay us the most, we actually look for products that cost the least, because they help our clients’ account balances grow faster.) Here’s another article for more information about the pros and cons of using a fee-only financial advisor.

Wherever you invest, be sure to ask your agent or financial pro to provide – in writing – a detailed breakdown of your investment costs. And if you’re investing somewhere already, and want to see if we can lower your investing costs, we’d love to give you a competitive bid and show you the true costs of your current portfolio.

We know Millennials love technology, and we do, too! Technology has revolutionized financial planning in the past decade. It’s lowered our operating costs, automated tasks that used to drive us – and you – crazy, and allows us to easily work with clients in different parts of the country.

Our clients get the full benefit of our tech tools, as well. From paperless online account opening, to phone apps to add or withdraw funds from your accounts, to financial plans that stay current (and we can work on together from home), even having video appointments and live webinars instead of the inconvenience of office appointments, we’ve made nVest Advisors a place for people who love tech.

The one other thing tech has done for us is give us back the time to interact with you on a personal level much more often. Tech gives our advisors more time to spend in one-on-one contact with you, our clients.

Our love of technology doesn’t mean we’re one of those “robo” financial advisors. Nope. When it comes to how we interact with you on a human level, we’re Old School, all the way.

Forget call centers or “chat boxes”. As our client, you get one-on-one personal service from your financial advisor and his or her team, for as long as you’re with us.

It’s one thing to invest with us – you can invest anywhere. It’s our goal to be the advisor you TRUST: the one you refer your friends and family to. The one you’d invite to your holiday party. 

That takes time and interaction and really getting to know each other. And that’s what we strive to do here at nVest Advisors. In fact, many of our clients have become very good, close friends.

If that kind of relationship sounds like a good fit for you: a true partnership, working toward your goals together, then let’s talk.

It’s the 21st century. There just isn’t any reason to have to drive across town in traffic to visit with your financial planner, or be limit yourself to using the financial office down the street from your house or business.

nVest Advisors clients enjoy a personal relationship with a human advisor who knows you, almost always from the comfort of your own home or office. We use virtual meeting technology for nearly all of our client appointments. It’s easier on you, efficient on our advisors, reduces our company overhead, and helps do our small part in protecting the environment.

We love virtual meetings, and we think you will, too. In fact, why not try one out? Schedule a brief virtual visit with a financial advisor today.

You don’t have to invest with us to work with us. If your only investing right now is your 401k at work, that’s fine.

Our nVestor LifeCycle financial planning program was invented specifically for the needs of individuals and families just getting started. It’s a financial plan that grows as you do. And you’ll get ongoing support and coaching from a financial planner every step of the way (even with your 401k).

And best of all? It’s only $99 to onboard and $29 a month.

Want to learn more?