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
Common questions
The things people ask most before they book their first session.
Do you offer a free consultation?
No, and that is on purpose. Free consultations are usually sales meetings where the goal is to sign you up for something. My first hour is a real advisory session where you get answers and recommendations you can use right away, whether or not you ever hire me again. If you finish The Hour and feel you did not get value, let me know and I will refund it.
What does advice-only actually mean?
I sell advice and nothing else. No commissions, no insurance products, no revenue sharing, and no percentage of your assets. The only money I make comes directly from you, so my only incentive is to give you the answer I would want if I were in your seat.
Do you manage my investments?
I do not take custody or control of your accounts. You still get specific portfolio and investment recommendations, and I will walk you through exactly how to implement them. Your money stays in your accounts, in your name, with you making the final call.
Is there a minimum net worth or account size?
No. There are no asset minimums and no income requirements. People with $20,000 and people with $5 million both book time with me.
Am I locked into an ongoing fee?
Never. You can book a single hour, do a one-time project, and walk away. The Ongoing exists for people who want quarterly meetings and access between sessions, but it is always optional and you can cancel at any time.
How much does it cost?
The Hour is $400. The Roadmap is $2,000. The Plan is $4,500. The Ongoing is $400 per month billed quarterly. Every price is published on the Services and Fees page before you book anything.
How do meetings work?
Everything is virtual over Zoom, so I work with clients in any state. Sessions are recorded and you get access to the recording, plus a detailed email summary with action items and next steps.
What can we cover in a single hour?
More than most people expect. Common topics include retirement readiness, Roth conversions, investment allocation, 401(k) and HSA choices, real estate decisions, college savings, insurance reviews, and whether a big purchase actually fits your plan.
Are you a fiduciary?
Yes, at all times. Not every financial professional is required to act as a fiduciary in every conversation. I am, and because I only get paid by you, there is no product or account balance pulling me in another direction.
What is Nectarine and how does it fit in?
Nectarine is the advice-only platform I work through. It handles the booking, payment, and compliance side so you can see my calendar, my fees, and every client review in one place before you ever talk to me.
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.
Affiliations and credentials
Ready to build your plan?
Book a single hour or a full engagement. Every fee is published up front.