Flat-Rate Financial Planners.
We don't manage your money, sell any products, or earn any commissions. Pay for just the advice.
From $175-$400/hour, no strings attached.
Find your flat-rate financial planner
How we can help
Meet with an expert US-based flat-rate financial planner and get advice on various areas of finance and investing.
Retirement planning
Portfolio review
Equity compensation
401k rollovers
Tax planning
Getting started with investing
Investing for kids
...and more!
Our expert flat-rate financial planners
All Nectarine flat-rate financial planners are licensed fiduciaries who have been vetted for their stellar knowledge, competency, and investment philosophy. We have accepted less than 10% of the flat-rate financial planners who have applied to join Nectarine!
Derek Merkler, CFP®
Financial Planner
- Spent 8 years as a US Army Aviator.
- Loves helping people FIRE!
- Additional focus on tax planning.
Tommy Modec
Financial Planner
- Easy-to-understand advice with action-focused follow-ups 💻
- Second opinions on advisors, investments, and insurance 🔍
- Friendly, welcoming vibe (Golden Retriever cameos) 🦮
Lillian Turner, CFP®, RLP®, CSLP®
Financial Planner
- Helping you build wealth while living a life you love
- Compassionate and shame-free advice
- Cashflow queen & budgeting expert! 👑
How it works
1. Select
Choose from a list of vetted & licensed flat-rate financial planners.
2. Schedule
Pick a time to meet with your flat-rate financial planner and pay for the session.
3. Get advice
Video chat, share your screen, and get your questions answered.
Why Flat-Rate Financial Planners
Transparent Pricing: Flat-rate financial planners offer transparent pricing structures, typically charging a fixed fee for their services rather than earning commissions or fees based on assets under management. This ensures clarity and eliminates potential conflicts of interest.
Cost-Effective Solutions: Flat-rate financial planners provide cost-effective solutions for clients seeking financial advice. Clients pay a predetermined fee for the services they receive, regardless of the size of their assets or investment portfolio.
Customized Financial Plans: Flat-rate financial planners offer personalized financial plans tailored to each client's specific needs, goals, and circumstances. They take a holistic approach to financial planning, addressing various aspects such as budgeting, saving, investing, retirement planning, and risk management.
Client-Centric Focus: Flat-rate financial planners prioritize client interests and strive to build long-term relationships based on trust and mutual respect. They provide unbiased advice and ongoing support to help clients achieve their financial goals and navigate life's financial complexities.
What they're saying
Nectarine advisors have served 8,218 clients and have received an average review of 4.97 stars!
I had an excellent session with Adam. He took the time to break down complex scenarios into actionable steps, giving me total clarity. If you're looking for a sharp, objective financial professional who can cut through the noise and provide immediate value, I highly recommend working with Adam.
Diana was incredibly knowledgeable and helped us quickly make some decisions that will help us tremendously. She can explain technical items very clearly in an easy to understand way. I look forward to working with her more to put myself in the best position for financial success.
Working with James was great! This was my first time working with an advisor, and I found him to be friendly and encouraging right off the bat. He listened to my concerns and questions, and took the time needed to address them. Having the recap email afterwards was SO helpful. Thanks James!!
Our Philosophy
We never sell any products or manage your money so our only incentive is doing the best for you.
Buy & hold index funds
Minimize fees
Minimize taxes
Keep it simple
Do the right thing
Services & Pricing
The Hour
- 1 hour meeting
- Follow up notes
Best for answering 1-3 specific questions about your finances.
$175-$400/ meeting
The Plan
- 3-4 meetings
- 8+ page financial plan
- 28+ hours of analysis
Best for a one time full review of your finances and creating a strategic plan for your future.
$2,300-$5,200/ plan
The Ongoing
- Regular check ins & reminders
- Unlimited email support
- Annual 2 page financial checkup
Best for an ongoing relationship with an advisor who's there to answer your questions and keep you on track.
$200-$500 / month
Our promise
Nectarine is committed to doing the right thing and prioritizing your best interests.
Our pledge
If you're not satisfied with your meeting, we'll give you your money back.
Flexible scheduling
Free reschedules & cancellations with 24 hours notice.
No sales pitch
We'll never pitch any investment or insurance products.
Frequently Asked Questions
The Hour: You'll fill out a short intake form so we can learn about you and your goals for our meeting! In your Nectarine account, you can also enter your personal financial information (net worth and budget details) as well as upload files to your Secure File Vault. We also recommend that you have any necessary account login information ready.
The Plan and The Ongoing: You'll get access to a financial planning portal where you can share your numbers, link your accounts, and upload the requested documents (we'll share a list).
The Hour: Yes, you will receive an email summary with important takeaways and resources so you'll know what to do next.
The Plan: Yes, you will receive a 8+ page roadmap on your full financial picture with detailed information on the next steps. Your advisor will be available to help you implement any items.