As an adviser for millenials I totally concur with everything that has been said in this article. The major roadblock is that most millenials are with industry super funds who do not support financial advice especially from external advisers. Once the industry super funds allow external advisers to charge ONGOING fees from their products without a harsh %age based cap, then advisers will be able to service millenails even more so. Unfortunately the system at present means that no one wins.