Financial planning
for the rest of us.
No commissions. No asset minimums. No hidden agendas. Just independent, flat-fee advice from a planner who works solely for you.
The traditional advice model has a cost and conflict problem.
Commissions and kickbacks on insurance, annuities, and mutual funds.
Percentage-of-assets fees that add up fast and take more as you save more.
Asset minimums that shut out everyday people that still need help.
Ongoing commitments that often cost $10,000+ per year even with many flat fee advisors.
Giving up control of your investments just to get financial advice.
The advice-only alternative.
No products, commissions, or sales incentives.
Flat fees that don't grow as your wealth grows.
No asset minimums or account minimums.
One-time advice with no ongoing commitment required.
You keep your accounts, your investments, and the final say.
Who I work with
Four groups I spend most of my time with, all virtually, anywhere in the US.
FIRE Enthusiasts
Pressure-test your number, your savings rate, and your withdrawal strategy. Confirm the plan actually works before you hand in your notice.
The Messy Middle
Millennials, Gen Z, and Gen X juggling a first house, growing kids, college savings, a job change or career transition, and a DIY portfolio.
Pre-Retirees
The years right before you stop working: when you can retire, how much you can safely spend, Social Security timing, healthcare considerations, and keeping lifetime taxes manageable.
Retirees
Living off what you built. Retirement income, withdrawal order, Roth conversions, Medicare decisions, and keeping lifetime taxes as low as possible.
Live from my Nectarine bio
What clients say
The endorsements displayed on this Website have been provided by clients who have completed an engagement with an Advisor. No compensation was paid for any endorsement and the endorsements may not necessarily be representative of all Nectarine experiences.
Ready to build your plan?
Book a single hour or a full engagement. Every fee is published up front.