Millennials think and act differently about money and investing than their parents’ generations. In fact, they invest much like their grandparents—cautious, conservative, and over-allocating their portfolios to cash.

Millennials also pose a burden for their Baby Boomer and Generation X parents, who fear their children will never find financial independence.

But advisors can play a role in helping Millennials and their parents put their families’ financial futures on firmer ground. In this white paper from Nationwide, learn how changing Millennials’ beliefs and behaviors about investing can help them become more comfortable with risk and seek the returns required to find their own path to financial independence.