The “hustle hard now, enjoy life later” playbook isn’t working—so why are high-earning millennials still expected to follow it?
At Counterculture Wealth, we help ambitious professionals ditch the guilt, the grind, and the outdated idea that fun and freedom have to wait until you’re 65.
Imagine living it up today and building wealth for tomorrow.
In America, we’re told the only way to get ahead is to hustle 24/7, rack up debt trying to “keep up with the Joneses,” and sacrifice everything fun today to (hopefully) retire at 65. Sounds about as American as apple pie, right? 🥧
At Counterculture Wealth, we believe it's time to ditch this "American Dream," and break free from this outdated playbook.
Imagine living it up today and crushing your financial goals for tomorrow.
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So, you’re crushing it—ambitious, driven, and building a career that’s as exciting as it is impressive. But you’re not just chasing the next promotion—you’re also here to live. The daily iced latte? Worth it. A last-minute trip with friends? Count you in. Splurging on experiences that make life feel rich now? That’s the whole point.
We get it. You shouldn’t have to choose between “making it” and enjoying it. That’s why we build financial plans for high-earning millennials who want the best of both worlds: long-term goals dialed in and a lifestyle that doesn’t feel like a never-ending spreadsheet of sacrifices.
Let’s create a plan that works for your life—not just your retirement account.
This isn’t a cookie-cutter spreadsheet or a sales pitch for life insurance. It’s a 6-week, multi-meeting deep dive into your finances, goals, and life—and it ends with a crystal-clear, action-oriented roadmap that shows you exactly how to:
✅ Streamline your finances so they feel manageable, not messy
✅ Ditch debt and build a smart credit strategy
✅ Break up with restrictive budgeting for good
✅ Invest with a strategy that fits your goals and your lifestyle
✅ Reduce taxes and keep more of what you earn
✅ Actually enjoy your money while building long-term wealth
No guesswork. No generic advice. Just a clear, simple plan for living your life now and building freedom for the future.
I started my career at those big-box financial firms where “financial planning” really meant “sell this product and call it a day.” Cookie-cutter plans, hard sales pitches, and advice that didn’t match real life. It didn’t take long to realize the people I actually wanted to help—ambitious, high-earning millennials juggling career growth and the good stuff (travel, cold brew, that just-right apartment)—weren’t getting the kind of guidance they deserved.
So I built Counterculture Wealth for folks like us. Here, we create financial plans that are actually about you—your goals, your lifestyle, your version of success. Plans that are as flexible and dynamic as you are. No sales quotas. No “skip the latte” sermons. Just honest advice that helps you live better now and later. Godspeed.
(We saved a few gems.)
"Before working with Tommy, I had no idea where my money was going every month. I was finally making six figures, but it felt like I was barely making progress. Tommy helped me clarify what I actually wanted to prioritize — like paying off my student loans and saving for a European vacation with my mom. Now, I have a solid plan, automated savings, and zero guilt about treating myself here and there. For the first time, I feel like my money is working for me instead of the other way around."
I’ve worked with other financial advisors in the past, but none of them took the time to understood my goals and values like Tommy has. He built a custom financial plan for me, addressing everything from a review of products I bought from a previous advisor to how taxes work with RSUs to how to optimize my 401(k). I’ve never felt more at ease with my finances. Working with Counterculture Wealth has been a game-changer.
"Tommy is an absolute legend. I came to him with a ton of questions and he addressed all of them and more in my plan. He went above and beyond to explain everything in simple terms so that I could fully understand. I left with a clear path forward and a huge sense of relief. Couldn’t recommend him more. 10/10."
Some fine print: Counterculture Wealth did not pay for these testimonials. We get a lot of great feedback from clients and chose a few of our favorites to feature. To my knowledge, no other conflicts of interest exist concerning these testimonials.
Imagine a future where you’re not just surviving—you’re thriving. Debt under control. Investments working for you. Peace of mind knowing your future is secure—while still living it up today.
The truth is, investing in a financial plan isn’t just smart—it’s empowering. Take the first step toward financial freedom and build the future you’ve been working for. You’ve earned it.
Financial plans start at $2,500.
Because there’s no such thing as a free lunch—or a free financial plan.
When a planner says it’s “free,” they’re usually getting paid somewhere (spoiler: commissions). That’s when the advice starts sounding less like “what’s best for you” and more like “what pays me the most.”
At Counterculture Wealth, we don’t play that game. We charge for our plans because we’re here to help you, not sell you something. No quotas, no kickbacks, no strings attached. Just honest advice that actually fits your life.
About six weeks—give or take. Here’s how it works:
We’ll chat twice (virtually, for about an hour each), gather your financial info, and dig into what really matters—your goals, your life, and what’s stressing you out.
Then we build your plan—together. No cookie-cutter templates, no corporate vibes. Just a clear, actionable roadmap designed for you.
Hell yes, we’re a fiduciary. 🤝 But let’s be real—being a fiduciary is the bare minimum you should expect from anyone giving you financial advice. It’s not a flex, it’s table stakes. At Counterculture Wealth, being a fiduciary means no hidden fees, no product-pushing, no BS—just honest, unbiased advice that puts you first, always. And if there’s ever a conflict of interest? You’ll hear it straight from us, no spin.
No Cancun sales trips. No plaques for pushing products. Just a plan that actually fits your life. If you’ve been burned by the other kind, we get it. That’s exactly why I built Counterculture Wealth.
Definitely. If we get along and it makes sense, you’ll be invited to become a Private Client. Think of it as the peace-of-mind package: ongoing, on-demand financial advice, at least two deep-dive meetings per year, investment management (yep, we’ll handle the market stuff for you), access to top-tier personal finance tech, and an annual refresh of your plan to keep it aligned as life evolves. This is how you get to live your life—without stressing over spreadsheets or wondering if your plan still makes sense.
So, how much? Our annual fee is 0.5% of your assets under management (AUM), with a minimum fee of $85 per month. We can chat more about it if and when the time feels right.
Great question—and one I hear a lot. Do you need a financial advisor? Technically, no. But can working with one pay for itself over time? Absolutely. Beyond the peace of mind knowing you’re on the right track, there’s the cold, hard fact that mistakes in money management can cost way more than an advisor’s fee—especially the ones you don’t even see coming. And if the warm-and-fuzzy stuff doesn’t do it for you, here’s the data: Vanguard research shows that investors who work with a financial advisor can earn, on average, 3% more in net returns over time compared to going it alone. Don’t just take my word for it—here’s the study if you want to dive in.
Let’s figure out if getting a financial plan is the best next step for you. No pressure—just a conversation. 👇
