Advice-Only Financial Advisors.
Meet a vetted advice-only financial advisor who offers expert advice for a flat-fee. No AUM fees, product sales, or commissions.
From $175-$400/hour, no strings attached.
Find your advice-only financial advisor
What is an advice-only financial advisor?
Working with advice-only financial advisors means you pay for guidance — not for assets under management, product commissions, or a sales pitch. Your advice-only financial advisor helps you decide what to do next while you keep control of your accounts and investments.
No AUM fees
You are not charged a percentage of your portfolio every year.
No product sales
We never sell investments or insurance, so advice stays objective.
You keep your accounts
Get a clear plan and implement it where you already bank and invest.
Who advice-only financial advisors are for
Nectarine advice-only financial advisors are a strong fit if you want expert help building a plan, answering specific questions, or staying on track — without handing over your money or signing up for opaque percentage fees.
How it works
1. Select
Choose from a list of vetted & licensed fiduciaries.
2. Schedule
Pick a time to meet and pay for the session upfront.
3. Get advice
Video chat, share your screen, and leave with clear next steps.
Why Advice-Only Financial Advisors
What “Advice-Only” Means: Advice-only financial advisors sell expertise, not asset management. They answer your questions, stress-test your plan, and recommend next steps — then you (or a manager you choose) implement. That is a deliberate break from the industry default where “advisor” often means ongoing portfolio management billed as a percentage of assets.
Different from Typical Fee-Only Advisors: Fee-only removes commissions, but most fee-only advisors still charge ~1% of AUM every year. Advice-only financial advisors charge a transparent hourly or project fee for the work itself. Your net worth doesn't become their recurring revenue.
Fiduciary Guidance, Your Accounts: Meet a licensed fiduciary for retirement planning, investing strategy, equity compensation, taxes, and major money decisions — while brokerage and retirement accounts stay where they are. No forced custody transfer. No “bring your assets to our platform” pitch.
Incentives Aligned With You: Because they don't earn on products or assets under management, advice-only advisors can stay objective. Index funds vs. active managers, Roth vs. traditional, hold vs. diversify company stock — the recommendation is about your goals, not their payout.
Ideal When You Want a Pro Without the Retainer: Searching for advice-only financial advisors usually means you want skilled help for a decision or a plan refresh — not a permanent wealth-management relationship. Pay when you need clarity; keep running your finances the rest of the year.
Why people trust Nectarine
All advisors are licensed fiduciaries. We have accepted less than 10% of applicants. If you are not satisfied with a meeting, we will refund your money. We will never pitch investment or insurance products.
Money-back pledge
Not satisfied? 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.
What they're saying
Nectarine advisors have served 8,293 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!!
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
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.