Ypsilanti, MI W Michigan Ave Office

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.