Fee-Based Financial Advisors.
Meet a vetted fee-based financial advisor who offers expert advice for a flat-fee. No AUM fees, product sales, or commissions.
From $175-$500/hour, no strings attached.
Find your fee-based financial advisor
What is a fee-based financial advisor?
Working with fee-based financial advisors means you pay for guidance — not for assets under management, product commissions, or a sales pitch. Your fee-based 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 fee-based financial advisors are for
Nectarine fee-based 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 Fee-Based Financial Advisors
Clarity Over Confusion: The terms fee-based and fee-only sound almost identical, but they mean very different things. A fee-based advisor can charge you a fee and still earn commissions from financial products. A fee-only advisor does not earn commissions, but most fee-only advisors still charge a percentage of your assets every year. Many people searching for a “fee-based” advisor are actually looking for something simpler: a flat, transparent fee with no commissions and no asset-based percentage.
No Asset-Based Incentives: Traditional fee-only advisors often charge 1% of your investments annually. That means the more you invest with them, the more they earn—whether you need ongoing help or not. A flat-fee advisor removes that incentive entirely. You pay for advice, not for how much money you have.
True Cost Transparency: With a flat fee, you know exactly what you're paying up front. No hidden product commissions. No ongoing percentage quietly deducted from your accounts. No pricing that grows simply because your portfolio grows.
Advice Without Pressure: Because compensation isn't tied to selling products or managing your assets, the advice can stay focused on what's best for you. Keep your accounts where you want. Invest how you prefer. Get a professional plan and clear recommendations without being pushed into an ongoing management relationship.
Better for Most Clients: For people who want expert guidance, a clear plan, and the flexibility to implement on their own, flat-fee advice is often the cleanest and most cost-effective option. You pay for expertise. You keep control of your money. And you avoid the long-term drag of percentage-based fees.
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 8,612 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-$500/ 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.
$2,800-$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.