FAQs

Yes! As a fiduciary, Millennial Financial Planning has a duty of utmost good faith to act solely in the best interests of each client. This means MFP never earns commissions from any recommended investments or financial products.

MFP's fiduciary commitment is independently verified through membership in XY Planning Network and Fee Only Network, two organizations that hold advisors to strict fee-only and fiduciary standards. Being a member isn't automatic, it requires MFP to operate without conflicts of interest and to always put your interests first.

Bryan holds the Series 65, issued by the North American Securities Administrators Association (NASAA). He also holds the Accredited Asset Management Specialist™ (AAMS™) and the Wealth Management Certified Professional^® (WMCP^®).

You don’t need a CFP^® as your advisor to get solid financial planning. I hold the AAMS and WMCP designations, and I’m currently pursuing the Tax Planning Certified Professional^® (TPCP^®) designation before the CFP^® — because taxes touch every aspect of personal finance and the TPCP^® is advanced education aimed at professional mastery. What matters more than any single credential is whether your advisor understands your situation, gives you straight answers, and doesn’t have a financial incentive to steer you wrong.

Millennial Financial Planning takes an emotional and behavioral approach to personal finance. You are more than your financial accounts. I want to bring humanity into financial planning.

I started MFP because I grew tired of working in stuffy companies that have trouble relating with the people they claim to serve. I don't subscribe to corporate ideals. You won't catch me in a suit and I'm not averse to a well-placed curse word. I'm a real person and I believe it's important to be authentic and transparent while I ask you to be vulnerable with me about your money.

I'm passionate about learning. I'm a naturally curious person and love educating myself about a myriad of topics and issues. I use this to inform my personal and professional lives. I may not know every answer, but I'll do what's necessary to find you an answer, or the person who has one.

MFP is based in Indianapolis, Indiana. I work with clients across the Indianapolis area, including Carmel, Fishers, Westfield, Zionsville, and beyond. Most client meetings happen virtually, which makes it easy to fit into a busy schedule. If you’d prefer to meet in person, we can make that happen too.

You most certainly can! Because most of my meetings are already virtual, I can definitely meet you online no matter which state you live in.

Probably, yes. MFP was built specifically for people who are earlier in their financial lives. You don’t need a certain amount saved to get value from financial planning. If anything, starting earlier means fewer mistakes to clean up later. The subscription model exists precisely so that working with a financial advisor doesn’t require a large portfolio.

Yes! Many small business owners have their wealth tied up in their business or house rather than investment or savings accounts. MFP can help with cash flow planning, figuring out how to pay yourself, setting up a retirement plan for your business, and making sure your personal and business finances aren’t tangled up in ways that cause problems later.

Yes! Student loans are one of the most common issues young professionals come to me with. We’ll look at your repayment options, whether an income-driven plan makes sense, and how your loan strategy fits into your bigger financial picture, including saving for a home or building an emergency fund at the same time.

I can help you figure out if you’re financially ready, how much house actually makes sense given your long-term vision, income, & short-term goals, as well as how a purchase fits into your broader plan. I’m not a mortgage lender or a realtor, but I’ll make sure you’re not walking into one of the biggest financial decisions of your life without thinking through all of the pertinent variables.

After an initial consultation, we start with a Get to Know You meeting and we talk about your relationship with money, where you currently are financially, what financial anxieties you have, and the long-term vision of your life. From there, if it feels like a good fit for both of us, we move into onboarding. If you don't feel that I have a good sense of who you are and what matters to you after the GTKY meeting, then something went wrong. This is when we'll decide if we want to work together. Most clients are up and running within a few weeks.

Transparency & honesty, authenticity, and action. Hopefully you get the feeling that I'm committed to the human side of money. None of this works without it. Coupled with that is maybe the harder part: completing tasks like linking accounts, signing documentation, finding your work benefits documents, or contacting your accountant for me. Unfortunately, I can't complete everything on your behalf, though I'll do whatever I can to guide you along the way when I can't.

MFP prides itself on knowing and connecting with its clients. MFP will evolve with you and adapt accordingly. A financial plan should be like the US Constitution is supposed to be: a living, breathing document.

Sort of. I've developed relationships with professionals in these fields and am happy to connect my clients to them. MFP will also communicate with any professionals you already employ. MFP aims to make your financial life easier and will coordinate with the rest of your team as needed.

Millennial Financial Planning provides budgeting & cash flow analysis for young professionals and small business owners, long-term tax planning to address one's lifetime tax liability, and lifestyle planning for families to live now while saving for their future. MFP also manages and advises on your investments, whether they are in an employer plan, IRA, or brokerage account.

MFP offers a Financial Coaching plan starting at $75/month and financial planning subscriptions at $150 or $300 per month depending on your situation. Investment management is charged as a percentage of assets managed. There are no hidden fees, no commissions, and no surprises. You can see the full breakdown on the Service Plans page.

Millennial Financial Planning is fee-only, which mean it is compensated solely by its Clients. MFP does not receive commissions or other sales-related compensation.

Fee-only means I’m paid only by you. No commissions, no kickbacks, and no referral fees from insurance companies or investment products. Fee-based advisors can charge fees and earn commissions, which creates a potential conflict of interest even if they’re trying to act in your best interest. It’s a subtle but important distinction when someone is giving you advice about your money.

Yes! Millennial Financial Planning designed its subscription model precisely so you don’t have to have hundreds of thousands of dollars to work with me.

I don’t have a fancy office so that I can be lean and help young professionals who don’t yet have assets to manage (or have them mostly tied up in their employer plan), small business owners whose assets mostly comprise of their business and house, and DIY-ers who want to manage their own investments while understanding the benefits of long-term financial planning. You don’t have to have hundreds of thousands of dollars to have a home at MFP.

Millennial Financial Planning's custodian is Charles Schwab. Accounts are in your name or a trust's name. You'll never send money directly to Bryan and the only money sent to Millennial Financial Planning LLC is for the subscription fee. In fact, I have nightmares that a client accidentally sends me an investment check addressed to "Bryan Byrer". Also, you'll receive statements from Schwab and have access via their online portal.

Because you want a partner along your financial journey. I didn't get into finance to get rich. I started in finance because I thought it would be an opportunity to build a meaningful career founded on connecting with others (I could never just sit at a computer all day. That sounds awful to an extrovert like me). I'll be straight with you like a (really smart) friend would. I'm not here to stroke my own ego. I won't talk over you and I'll do my best to educate and empower you along the way.

To build a firm that focuses on people, not money. Cultivating trust and strong relationships is important to me. It's why I started Millennial Financial Planning. I'm here to make your money work for you, not me.