Millennials’ net worth has been steadily rising as they’re increasingly getting into their 40s, buying homes and raising families, thus prompting many of them to seek professional financial advice for the first time, according to a recent report.

The average Millennial had a net worth of $278,000 last year, after it grew 23% each year since 2016, Bloomberg writes, citing data from research firm Cerulli Associates.

Even though their net worth falls far short of Gen X’s $978,964, that growth rate has been the highest of any generation, according to the news service.

As a result, more Millennials want the help of financial advisors. But many aren’t sure where to look, and what for, Bloomberg writes.

Some advisors and financial experts are urging Millennials to focus on what it is they want from a financial planner before committing to a relationship.

For example, many clients could benefit from a written plan that would cost from $1,000 to a few thousand dollars at first and then decide on a possible longer-term relationship, Bloomberg writes.

“Instead of spending thousands of dollars a year on ongoing financial planning, when you might not be ready for that, doing a one-time check-in in the area you’re most concerned with can be really great,” said Sophia Bera Daigle, 38, founder of Gen Y Planning, according to the news service.

Bloomberg also recommends doing a bit of background checking by searching for an advisor’s history on the Financial Industry Regulatory Authority’s BrokerCheck and the Securities and Exchange Commission’s Investment Adviser Public Disclosure database.

Eventually, experts say, it will also come down to whether there’s a personal connection with the advisor, according to the news service.

“Money is such an intimate thing that you want to feel comfortable in the environment where you’re talking about this,” said Jim Marrocco, who runs Thinking Big Financial, which specializes in LGBTQ customers, according to Bloomberg.