While he trusts his advisor now, he said he has healthy doubt.

“I don’t know her that well. She could be stealing from me.”

But Ross must also be more willing to take on risk than other millennials or his family members because he’s an entrepreneur and people like him must borrow money to keep their businesses running.

Kelli Harrington, who owns the Zen Spot yoga spas in Eugene and Portland, Ore., with her husband, said the desire to take on risk in her business influences her investment decisions as well.

She and her husband not only own individual stocks, but they look at risky ones.

“Life is risk. One of our codes is living fearless,” said Harrington.

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