Millenium Financial Services

The firm provides personalized financial planning and investment management to individuals, trusts, estates, charitable organizations, small businesses, and pension and profit‑sharing plans. Services listed in the brochure include determination of financial objectives, cash‑flow and tax planning, insurance review, retirement and estate planning, and pension consulting.

Advisory relationships are managed on a non‑discretionary basis, with written evaluations, quarterly in‑house performance reports and client approval required prior to trades; assets are custodied at third‑party broker‑dealers. The investment approach centers on strategic asset allocation with a core of passively managed index funds and ETFs supplemented by sector rotation using actively managed sector ETFs and selected individual stocks, and it generally favors individual fixed‑income issues rather than bond funds.

Distinctive features noted in the brochure include client newsletters and periodicals and the offering of educational seminars or workshops, along with explicit disclosure that the firm’s advisory business is fee‑based while its advisor(s) are separately licensed to sell insurance products on a commission basis; the firm states clients are under no obligation to purchase such products. The brochure also reports approximately $18.8 million in assets under management (all non‑discretionary) and an ongoing client roster that includes pension/profit‑sharing plans, a combination less common among peer independent advisers.