Flat-Fee Financial Planners.
Meet a vetted flat-fee financial planner who offers expert advice for a flat-fee. No AUM fees, product sales, or commissions.
From $175-$500/hour, no strings attached.
Find your flat-fee financial planner
What is a flat-fee financial planner?
Working with flat-fee financial planners means you pay for guidance — not for assets under management, product commissions, or a sales pitch. Your flat-fee financial planner 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 flat-fee financial planners are for
Nectarine flat-fee financial planners 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 Flat-Fee Financial Planners
Know the Price Before You Start: Flat-fee financial planners charge a clear, upfront amount for the work — not a percentage of your portfolio. Whether you're comparing flat fee financial advisors or shopping for a full plan, you see the fee before you book.
Flat Fee Financial Planning Without AUM Drag: Traditional advisors often wrap planning into an annual AUM fee. Flat fee financial planning separates advice from asset management: you pay for the plan or engagement itself, so your one-time cost doesn't grow simply because your balance did.
Personalized, Not Product-Driven: Our flat-fee structure supports customized financial planning for your goals — retirement, investing, taxes, equity compensation, and cash flow — without commissions that push specific funds or insurance products.
Fiduciary Flat Fee Financial Advisors: Nectarine flat fee financial advisors act as fiduciaries and don't earn on product sales or assets under management. That keeps incentives aligned: the flat fee is for expertise, not for gathering assets.
Advice You Control: Pay for the flat fee financial planning help you need, keep your accounts where they are, and implement on your timeline — without pressure into an ongoing managed relationship.
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 8,490 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.