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Thanks for coming back to read Telos Financial’s blog all about different financial planning topics; and non financial topics, like this post. The purpose of the blog is to introduce financial planning concepts that I come across in my day to day work. I want to start discussions about that will educate, benefit, and improve your financial life. Ultimately, to help you focus on your telos!

This blog isn’t about a financial topic, but it meant to answer a question I get quite a bit. . . What’s a Xennial? Why do I get this question? Because I mention it in my blog and website and it’s the first time many encounter it.

Xennial is a term created in 2014 to describe the earliest Millennials and the latest Generation Xers. The thought is that this group isn’t buried in either, but exhibits characteristics of both. Obviously, generational generalizations don’t apply to everyone, but the fringes of generations tend to be less characteristic of the stereotypes than those buried in the middle.

Most sources I’ve seen reference Generation X as being born between 1965 to 1980 and Millennials as being born between 1981 to 1996. Xennials, then, are those born between 1977 to 1985. It’s the folks who did not grow up with computers, you remember them changing from a luxury item to a necessity. Sometimes referred to as the Oregon Trail generation.

This comes up as an item of discussion for me because I list it as a group I closely associate with and fall into. We’ve been readily able to adapt to new technology, but we weren’t born with it and remember life without computers.

Some other defining elements of Xennials are that we had to use payphones. I bought my first cell phone when I was 19. However, I was cool enough to have a pager prior to that. Growing up largely without computers meant no social media growing up. It meant we went to the library to access computers when we didn’t have them at home. Homework could be handwritten or typed.

Why is this important? Frankly, it’s not. Generation segmentations are useful in oversimplifying things to create broad rules, but they will never apply universally and everyone will have their own opinions about them. It’s just an observation by those who study such things.

Why do I use it in my marketing statements? It’s a fairly easy way to state who I work with or aim to work with. The reality is I work with families of all ages and stages of life. Also, I don’t think most people self-identify as a member of their generation. Maybe it’s relevant for surveys or questionnaires, but I don’t think it’s something people dwell on as a personality identifier.


Xennials are those born between 1977 to 1985 and are my micro generational segment. Many Xennials are established in their careers, have a young family or are just starting a family, are paying down student debt, and are looking forward to longer term goals like retirement and helping their families with education. I speak with folks every day who encounter these problems and are going through many of the same situations as my family. I’m always glad to give someone my opinion or advise on any of these situations.

Telos Financial is a Michigan’s financial planner for Xennials, Millennials, Generation Xers, young professionals & their families. It is a fiduciary, holistic financial planning firm providing financial advice, wealth management, and related services. Dennis LaVoy, CFP®, CLU® is the financial advisor for Detroit and uses his experience, knowledge, and expertise to serve his clients across the country to help achieve their goals through financial management.

The views expressed are my own opinions and do not apply to every situation. Your situation may vary so make sure to consult a professional for advice prior to making any decisions.