Looking for the best financial advisors for millennials? Whether you’re paying off student loans, investing for the first time, building passive income, or planning for early retirement, choosing the right advisor can make a huge difference. Many modern financial advisory firms now offer low minimums, digital tools, and personalized strategies designed specifically for younger investors. Below are the top 10 financial advisors for millennials in 2026, each offering accessible, tech-driven, and goal-focused financial planning.
1. Vanguard Personal Advisor Services
Vanguard Personal Advisor Services is ideal for millennials who want low-cost investing with human guidance. With competitive advisory fees and access to certified financial planners, Vanguard combines robo-advisor efficiency with real advisor support. Their focus on long-term, diversified investing aligns perfectly with millennials building retirement savings through IRAs, 401(k) rollovers, and taxable brokerage accounts. The platform emphasizes index fund investing, tax efficiency, and goal-based planning. While the minimum investment requirement is higher than some competitors, the value, credibility, and low expense ratios make it one of the best financial advisors for millennials serious about growing long-term wealth.
2. Betterment
Betterment is one of the most popular robo-advisors among millennials thanks to its low minimum investment and user-friendly app. It offers automated portfolio management, tax-loss harvesting, retirement planning tools, and personalized financial advice options. Millennials juggling multiple financial goals like saving for a home, investing, and building emergency funds benefit from Betterment’s goal-based investing approach. Advisory fees are transparent and competitive, making it accessible for young professionals starting with smaller balances. If you prefer a hands-off, tech-driven investment experience with optional human advisor access, Betterment is a strong choice.
3. Wealthfront
Wealthfront stands out for its advanced automation and financial planning tools tailored to younger investors. With low advisory fees and no account minimum for many services, it’s attractive for millennials building wealth from scratch. Wealthfront offers automated investing, tax optimization strategies, and even a high-yield cash account. Its Path planning tool helps millennials model scenarios like early retirement, buying property, or career changes. If you enjoy technology-driven investing with smart automation and detailed projections, Wealthfront provides an efficient, modern advisory experience designed for long-term growth.
4. Fidelity Investments
Fidelity Investments offers a mix of robo-advisor services and traditional financial advisors, making it flexible for millennials at different income levels. With no minimums on many accounts and strong retirement planning tools, Fidelity is excellent for those maximizing employer-sponsored 401(k)s or IRAs. Millennials appreciate Fidelity’s research tools, commission-free trading, and diverse investment options. For those who want a more personalized touch, human advisors are available. Its reputation, wide range of services, and competitive fees make Fidelity one of the most reliable financial advisory firms for millennials building long-term financial security.
5. Charles Schwab Intelligent Portfolios
Charles Schwab Intelligent Portfolios offers automated investing with no advisory fee, which is appealing to fee-conscious millennials. While there is a cash allocation component, the platform provides diversified ETF portfolios and goal-based investing strategies. Schwab also offers access to certified financial planners for an additional cost. Millennials who want a trusted brand with digital convenience often choose Schwab for its strong customer support and integrated banking features. If you’re seeking low-cost portfolio management backed by a reputable financial institution, Schwab Intelligent Portfolios is worth considering.
6. Facet
Facet is designed for millennials who want comprehensive financial planning without traditional asset-based fees. Instead of charging a percentage of assets under management, Facet uses a flat annual fee model. This structure can be especially attractive for young professionals with growing incomes but modest investment balances. Advisors help with student loan strategies, equity compensation, budgeting, tax planning, and retirement projections. The virtual-first approach fits well with busy millennials who prefer remote meetings. For holistic financial planning rather than just investment management, Facet offers a modern alternative.
7. Ellevest
Ellevest focuses on personalized financial planning, especially for women millennials seeking tailored investment strategies. The platform accounts for factors like career breaks and pay gaps in its projections. It offers automated investing, retirement planning, and coaching services. Millennials appreciate its goal-oriented design and supportive financial education resources. While Ellevest primarily targets women, anyone can benefit from its structured planning tools. For those looking for an advisor who understands unique life circumstances and long-term financial empowerment, Ellevest provides a focused and mission-driven experience.
8. Zoe Financial
Zoe Financial isn’t a traditional advisory firm but a platform that matches millennials with vetted independent financial advisors. After answering a short questionnaire, users are connected with fiduciary advisors who fit their financial goals and preferences. This is ideal for millennials who want a human advisor but aren’t sure where to start. Zoe screens advisors for credentials and client satisfaction, helping reduce the guesswork. If you prefer personalized advice from a real financial planner but want a simplified matching process, Zoe Financial bridges that gap effectively.
9. Personal Capital (now Empower)
Personal Capital, now part of Empower, combines free financial tracking tools with wealth management services. Millennials often start with its powerful net worth dashboard and retirement planner before upgrading to advisory services. The platform provides holistic portfolio management, tax optimization, and retirement strategies. While advisory minimums may be higher than robo-only platforms, the depth of insight and financial modeling tools make it appealing for millennials approaching six-figure portfolios. If you enjoy tracking every detail of your finances while having access to professional advisors, Personal Capital offers strong value.
10. XY Planning Network
XY Planning Network connects millennials with fee-only fiduciary advisors who specialize in working with Gen X and Gen Y clients. Many advisors offer monthly subscription models instead of asset-based fees, making professional financial planning more accessible to younger investors. This model works well for millennials who need help with student loans, entrepreneurship, equity compensation, or budgeting. Because advisors operate independently, you can find someone who aligns with your personal financial philosophy. For personalized, conflict-free advice structured around your life stage, XY Planning Network is a strong option.
How to Choose the Best Financial Advisor as a Millennial
When selecting a financial advisor, consider minimum investment requirements, fee structures (flat fee vs. AUM), access to human advisors, and digital planning tools. Millennials should prioritize transparency, fiduciary responsibility, and flexibility. Whether you prefer robo-advisors for automation or human planners for personalized guidance, the right financial advisor can help you build wealth confidently and strategically.