🌱 Young Investors

Financial Advisors for Young Investors

You don't need $250,000 to get expert financial advice. Fee-only advisors built for millennials and Gen Z, student loans, first homes, early investing, and wealth building from scratch.

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What Advisors for Young Investors Do

The financial questions that matter most in your 20s and 30s are different from what a traditional wealth manager handles.

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Student Loan Strategy

IDR plans, PSLF qualification, refinancing decisions, the wrong move on a $100K loan can cost tens of thousands. An advisor navigates this for you.

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First Home Planning

Saving for a down payment while investing for retirement requires real trade-offs. An advisor builds a plan that doesn't sacrifice one for the other.

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Early Wealth Building

Roth IRAs, HSAs, brokerage accounts, employer equity, setting up the right accounts and investments in your 20s and 30s compounds dramatically by 60.

Signs You're Ready for a Young-Investor Advisor

✓ You have significant student debt and aren't sure whether to pay it aggressively or invest
✓ You're saving for a house but also trying to maximize retirement contributions and don't know the balance
✓ You've recently gotten a raise or new job and don't know what to do with extra cash flow
✓ You have equity compensation (RSUs, stock options) and no plan for managing concentration risk
✓ You want to hit FIRE (Financial Independence, Retire Early) and need a concrete path
✓ You're self-employed or freelancing and need to set up retirement accounts and tax strategy

Questions to ask when hiring

"Do you regularly work with clients in their 20s and 30s?"
"How do you handle student loan and investment trade-off decisions?"
"Do you have experience with equity compensation (RSUs, options)?"
"Are you a fiduciary and fee-only?"

Affordable Advice for Early-Career Investors

Young-investor advisors are built around flat fees and hourly rates, no AUM minimum required.

Hourly

$150–$350/hr

One-time questions: student loans, down payment, first investments

Monthly retainer

$100–$300/mo

Ongoing plan + accountability, common model for Gen X/Y advisors

Annual flat fee

$1,500–$4,000/yr

Comprehensive planning for any portfolio size

Frequently Asked Questions

Can I get a financial advisor with $0 invested? ▼

Yes. Hourly and flat-fee advisors work with clients at any stage, including those just starting out. A 2-hour session ($300–$600) can give you a complete action plan for your financial situation regardless of how much you currently have saved.

Should I pay off student loans or invest? ▼

The answer depends on your interest rate. For federal loans below 6–7%, investing in a Roth IRA (especially if you have an employer match) typically wins. For private loans at 8%+, aggressive payoff usually beats investing. An advisor can model your specific numbers, including any PSLF eligibility that could change the math dramatically.

What is the XY Planning Network? ▼

XY Planning Network is a membership organization of fee-only financial advisors who specialize in serving Gen X and Millennial clients. Members use subscription and flat-fee pricing models (not AUM minimums), making them accessible to clients at any wealth level. Find them at xyplanningnetwork.com.

Start building wealth with a real plan

Find a fee-only advisor who works with young investors, no $250K minimum, no commissions.