Clovis, CA Office

Nectarine serves individual and high-net-worth clients and provides consultative financial planning through advisor representatives that clients select via the firm’s website. Services are offered as one-hour consultations, multi-week plan engagements, and ongoing planning arrangements, and the firm makes a proprietary financial-aggregation app available; it does not manage client investment portfolios or accept custody.

The firm’s recommendations emphasize long-term asset allocation using low-cost, index-based mutual funds and ETFs and cover topics such as cash flow, retirement planning, insurance needs, debt reduction, and estate planning coordination. Advice is delivered on a consultative basis with implementation left to the client or their chosen providers, and the firm does not monitor client accounts after providing recommendations.

Nectarine differs from many peers by operating as a fee-for-service planning firm rather than providing portfolio management or using percentage-of-assets fees, and by offering a subscription-based app and paid speaking engagements as part of its outreach. It also has a networked structure—several advisor representatives are registered with other independent advisers, the firm maintains an affiliation with another registered adviser, operates from an unusually large number of offices for a team of its size, and uses testimonials, endorsements, and a promoter referral program in its client acquisition efforts.