For Gen X, financial planning is more accessible—and important than ever

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Financial advisers are not just for the wealthy. And you can find one that aligns with your energy, values and culture.

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Fellow members of Generation X, I bear some good news. Financial advisers are not just reserved for the wealthy anymore.

So, how do we move forward, conquer our money fears head on and start the new year with fresh resolve? Why so few? Many Gen Xers believe they don’t have enough in assets or income to qualify for financial planning services and that they can’t afford planners’ fees.Registered investment advisers or RIAs are moving away from a minimum asset requirement and toward flat fees and subscription-based fees.

Some financial advisers also take on clients pro bono when those people are in a serious money bind. And some charge hourly fees, which can be helpful if you’re looking for an adviser to help you with one particular financial concern, such as how to pay for college or how to save and invest wisely for retirement.

It’s all about you Remember: At the center of this journey is you. Don’t let anyone tell you otherwise.

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