Millennium Personal Finance, LLC
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About
Millennium Personal Finance is a state‑registered independent advisory firm that provides holistic financial planning and portfolio management to individual and high‑net‑worth clients. Its service set as described in the brochure includes personalized financial plans delivered via eMoney, discretionary and non‑discretionary portfolio management, and tax services such as tax projections and preparation/filing of a client’s tax return.
The firm’s investment approach emphasizes customized asset allocations aligned with each client’s risk profile, using diversified mixes of equities, fixed income, mutual funds and ETFs and periodic rebalancing; Millennium may utilize both long‑ and short‑term strategies and recommend third‑party managers when suitable. Millennium generally relies on institutional custody and model portfolio inputs from third‑party providers and conducts ongoing account monitoring and periodic plan reviews.
Notable differences from many peers include that Millennium is a licensed insurance agency and certain investment adviser representatives are also licensed insurance agents and registered representatives of an unaffiliated broker‑dealer, which can result in commissions when clients purchase insurance or brokerage products through those channels; the brochure discloses these arrangements and the firm’s policies to mitigate related conflicts. The firm also describes a fixed monthly planning engagement that includes eMoney access, periodic planner meetings, an estate‑planning consultation and tax return services, and it operates at a relatively small scale with modest assets under management and a small client base.
Client services
Expertise
Fee options
0.75% annually
Commissions received from insurance products sold through Millennium and brokerage products sold through Leaders Group; usual and customary commission amounts not specified
Fee-only: $99 per month fixed fee for financial planning services
Main office
See office301 W Michigan Ave, Ste 407
Ypsilanti MI 48197
Advisors at this office
2
Offices (2)
Most active in
Indiana · Michigan
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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 in Ypsilanti, MI, holding a Series 66 designation with six years of industry experience. His work history includes roles at Hantz Financial Services and Hantz Bank, as well as involvement with the University of Michigan. Millennium Personal Finance is a state-registered independent advisory firm that provides holistic financial planning and portfolio management services to individual and high-net-worth clients. The firm employs a customized investment approach with diversified asset allocations and offers additional services including tax preparation and estate-planning consultations.
Ethan D
Series 65
Ypsilanti, MI
Millennium Personal Finance, LLC
Ethan Delaney is a financial advisor at Millennium Personal Finance, LLC with a Series 65 designation and one year of industry experience. Prior to joining Millennium Personal Finance in 2026, he worked at Hantz Financial Services and held roles outside the financial industry, including positions at Benito's Pizza and Pro Fireworks. He has also been involved in education with Eastern Michigan University and local public schools. Millennium Personal Finance is an independent advisory firm providing holistic financial planning and portfolio management for individual and high-net-worth clients. The firm offers personalized financial plans, discretionary and non-discretionary portfolio management, and tax services, emphasizing customized asset allocations aligned with clients’ risk profiles through diversified investments and ongoing account monitoring.
Andrew D
Series 66
Ypsilanti, MI
Millennium Personal Finance, LLC
Andrew Duncan is a financial advisor at Millennium Personal Finance, LLC in Ypsilanti, MI, holding a Series 66 designation with one year of industry experience. His prior work includes roles at Simplicity Investments, Fidelity Investments, and Thivent Financial. Outside of finance, Andrew serves as a swim coach at Lincoln High School in Ypsilanti. Millennium Personal Finance is a state-registered independent advisory firm offering holistic financial planning and portfolio management to individual and high-net-worth clients. The firm’s approach involves customized asset allocations aligned with clients’ risk profiles, diversified investments, and both discretionary and non-discretionary portfolio management.
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