Financial Advisor for High-Earning Millennials.

Let’s build a financial plan that aligns your success today with your goals tomorrow — no FOMO required.

High earning millennial on vacation ocean living his best life because he has a financial plan that allows him to

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At Counterculture Wealth, we believe it's time to ditch this "American Dream," and break free from this outdated playbook.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.

Parody of a stereotypical American wearing way too many cowboy hats meant to mock the American way of handling money

Stop being
so American
with your money. 🇺🇸

So, you’re at the top of your game — ambitious, driven, and working hard to build a life that’s as impressive as the start to your career. But you’re not just about work; you want to enjoy the perks of life, too. Whether that’s grabbing your daily iced latte, booking a spontaneous weekend getaway, or splurging on experiences that make life memorable, you believe in living fully and wisely.

At Counterculture Wealth, we get it. You don’t want to choose between “making it” and “enjoying it.” That's why we specialize in helping high-earning millennials like you create a plan that lets you prioritize your longer-term goals without sacrificing the fun and fulfillment you crave along the way.

Successful high-earning millennial in baseball cap out in nature smiling with friends all made possible because he has a financial plan from Counterculture Wealth

Create a plan that lets you thrive without compromise.

Say Goodbye to Sacrifice, Hello to Strategy.

Life’s too short to choose between living it up now and planning for tomorrow. That’s why we created a financial plan designed for high-earning millennials who want it all — without the guesswork, stress, or sacrifice. 💆🏽

With your personalized plan, you’ll get a step-by-step strategy that shows you exactly how to spend on the things you love today while setting yourself up for the future you deserve. From tackling student loans to building an emergency fund, from saving for your first home to investing smartly for retirement, we cover it all.

Millennial couple boyfriend and girlfriend engaged to be married meeting with financial advisor Counterculture Wealth to get a financial plan for combining finances before and after they get married

Hiya, I'm Tommy. 👋

I started my career at those big-box financial services firms where cookie-cutter financial plans and hard sales pitches were the name of the game. It didn’t take long to realize the people I actually wanted to help — ambitious, high-earning millennials balancing career growth with a love for life’s little luxuries — were getting advice that just didn’t align with their lives. So I set out to build a firm designed for folks like you and I.

At Counterculture Wealth, we'll create a financial plan that’s tailored to your goals, designed to be as flexible and dynamic as you are. Godspeed.

Portrait of Tommy Modec, the Founder and Financial Advisor of Counterculture Wealth. Counterculture Wealth is an independent RIA that focuses on helping high-earning millennials build wealth without sacrificing the experiences that make life worth living today.

Here's what our clients are saying.

(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."

Hannah H.

Sourcing manager

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.

Nick A.

Art Director

"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."

Lauren B.

Senior Product Manager

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.

Invest in a plan that pays for itself... literally.

Imagine a future where you're not just surviving - you're thriving, with debt under control, investments humming along, and the peace of mind to know your future is secure while having fun today. The truth is, investing in a financial plan isn't just smart - it's empowering.

Take the first step toward financial freedom and invest in the future you've been working for. You've earned it.  

$2,500

Millennial black Amerifcan on couch with headphones in on a virtual meeting with his financial advisor, Tommy Modec of Counterculture Wealth, as they review his finances.

FAQs

Why is your financial plan not "free" like other advisors’ plans?

Sadly, there’s no such thing as a “free financial plan.” 🦄 The reality is, many advisors offering “free” plans are actually working on commission, pushing products like loaded mutual funds or life insurance to meet sales targets. This often means their plans are more about selling you something than helping you reach your financial goals with genuine, unbiased advice.

At Counterculture Wealth, we charge for our financial plans because we want to prioritize you — your goals, your priorities, and your future. No sales quotas, no hidden agendas, and no strings attached.

How long does it take to get my financial plan?

The process typically takes about six weeks from start to finish. During that time, we'll gather your financial information, have two virtual meetings (each lasting around an hour),  and dive into conversations about your goals. Together, we’ll collaborate to create a personalized plan that’s everything you hoped for — and more.

Is Counterculture Wealth a fiduciary?

Hell yes, we are! 🤝 But let’s be real, that should be the bare minimum expectation when it comes to someone giving you financial advice and managing your hard-earned money—not a claim to fame. At Counterculture Wealth, being a fiduciary isn’t just a compliance checkbox or marketing gimmick—it’s the foundation of everything we do. (Literally, that’s why we’re structured as a "fee-only registered investment adviser.")

So, what does that mean for you? It means no hidden fees, no product-pushing, and avoiding all conflicts of interest—and if any do pop up, you'll here about them from us, upfront. Most importantly, it means we’re here to give you unbiased advice, laser-focused on helping you achieve your financial goals—without the ulterior motive of earning us a plaque or an all-expenses-paid trip to Cancun. 🏖️

Can Counterculture Wealth help me after I get my plan?

Definitely! After you complete your financial plan and if we’re a good match, you'll be invited to become a VIP client. As a VIP client, you’ll enjoy premium, ongoing support tailored to keep your finances in check. This includes on-demand financial advice (with at least two in-depth meetings per year), investment management, access to top-notch personal finance technology, and an annual update to your financial plan to make sure you stay on track for your goals as life changes. Consider it the ultimate peace of mind package, giving you the freedom to live life to the fullest knowing your finances are in expert hands.

We can talk more about the details if/when the time comes, but here’s what you’re probably wondering: the cost. Our annual fee is 0.5% of your assets under management (AUM), with a minimum fee of $150 per month.

Do I really need a financial advisor?

Great question — and one I hear often. From my perspective, and backed by our clients' experiences, working with a financial advisor can totally "pay for itself" over time. Beyond the obvious benefits of expert guidance, there’s the invaluable peace of mind knowing you’re on the right path and avoiding costly financial missteps that you might not even realize you’re making.

Not into the warm and fuzzy stuff? That’s okay. Let’s talk numbers: Vanguard research has shown that investors who work with a financial advisor can earn, on average, 3% more in net returns over time compared to those who don’t. Don’t just take my word for it—feel free to dive into the full study here.

Isn't it time your money worked as hard for you as you work for it?

Book a call with Tommy to figure out if getting a financial plan is the best next step for you. 👇🏻

Millennial girl blonde sitting on the beach enjoying herself away from work. All this was made possible by getting a financial plan from Counterculture Wealth that helps her build wealth for her future while not sacrificing living her best life today.