Nestimate

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Client assets under management

Clients

Advisors

of 3 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

Very Low

Average account size

—

About

Nestimate Investment Management, LLC provides portfolio management, financial planning, and pension consulting to pension and profit‑sharing plans (including 401(k) plans), other investment advisers, insurance companies and individuals. The firm also offers subadviser pension consulting to unaffiliated advisers and a subscription securities‑rating service provided at no additional charge to clients using its advisory services.

The firm tailors Investment Policy Statements and constructs portfolios based on each client’s goals, time horizon, and documented risk tolerance, using fundamental analysis, modern portfolio theory, and quantitative analysis with a long‑term trading orientation. For retirement‑plan clients Nestimate delivers written pension consulting plans, monitors money managers and plan investment options, and can serve in fiduciary roles including discretionary 3(38) and non‑discretionary 3(21) arrangements for in‑plan annuities or plan lineups.

Nestimate is a recently formed, single‑management advisory firm affiliated with a fintech parent that provides tools to analyze in‑plan annuities, a relationship the firm discloses as a potential conflict of interest. Compared with many managers in this category, its active pension‑consulting practice (including subadviser work) and the explicit use of hourly billing for consulting engagements are notable and less common features.

Client services

Portfolio management Pension consulting

Expertise

Annuities Wealth management Retirement plans for business owners (SEP, solo 401k) Real estate investing

Fee options

Fixed

Financial planning fees range from $750 to $50,000; Pension consulting fixed fees range from $750 to $200,000

Percentage

$0 - $1,000,000: 0.10% $1,000,000+: 0.05%

Project-based

$800 per hour for pension consulting services

Main office location

Nestimate

200 Central Ave 4 Th Floor

St Petersburg FL 33701, United States

Number of offices

Most active in

Florida

Disclosures

Business activities & affiliations

Is active or affiliated with:

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Website 727-420-0563

Advisors at this firm

Joshua A

CFA®, Series 63, Series 66

St Petersburg, FL

Nestimate

Joshua Anderson is a CFA® charterholder with 14 years of industry experience. He is the Chief Investment Officer and founder of Nestimate, Inc., a fintech firm providing tools for analyzing in-plan annuities, and also founded The Retirement Innov8ion Lab, which develops ideas for the retirement plan industry. Prior to establishing Nestimate, he worked at Franklin Distributors, Raymond James & Associates, and Fidelity Investments Institutional Services. Nestimate Investment Management, LLC offers portfolio management, financial planning, and pension consulting services primarily to pension and profit-sharing plans, other investment advisers, insurance companies, and individuals. The firm employs fundamental analysis, modern portfolio theory, and quantitative analysis to tailor portfolios and investment policies to client goals and risk tolerance, with a focus on retirement-plan consulting including fiduciary roles and subadviser services.

Annuities Wealth management Retirement plans for business owners (SEP, solo 401k) Real estate investing

Michael G

CFA®, Series 66

St Petersburg, FL

Nestimate

Michael Garberich is a CFA® charterholder and holds the Series 66 designation. He is the sole advisor at Nestimate, a firm based in St. Petersburg, FL. Nestimate Investment Management, LLC provides portfolio management, financial planning, and pension consulting services to pension and profit-sharing plans, other investment advisers, insurance companies, and individuals. The firm tailors investment strategies using fundamental analysis, modern portfolio theory, and quantitative analysis, with a focus on long-term investment horizons.

Annuities Wealth management Retirement plans for business owners (SEP, solo 401k) Real estate investing

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