Even millennials with very few assets can benefit from working with a financial advisor. Time is an essential element to growing wealth and millennials can take advantage of the power of compounding if they focus on saving now. A good financial advisor can help them navigate saving for college, retirement, buying a house, paying off debt, and reducing their annual tax burden. With some guidance, a financial plan and disciplined savings, they can be on the right track for reaching life long financial independance.