Nestimate Investment Management LLC
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About
Nestimate Investment Management, LLC provides portfolio management and pension consulting primarily for retirement plans, other advisers, and insurance companies and lists individuals among its eligible client types. The firm’s service menu includes platform management, model portfolio construction, plan-level 3(21) and 3(38) fiduciary services, selection and monitoring of Guaranteed Retirement Income Contracts (lifetime income products), and subadviser pension consulting.
The brochure describes a fiduciary-focused investment process that combines quantitative scoring with qualitative manager due diligence and peer-group analysis, using proprietary analytics and fintech tools from its parent company to evaluate mutual funds, CITs, ETFs and other permitted vehicles. Nestimate emphasizes diversification, cost awareness, ongoing monitoring and watch-list reviews, and tailors model portfolios and QDIA/target-date analysis to plan demographics and written investment policy statements.
Compared with peers, the firm’s materials highlight institutional retirement capabilities (3(21)/3(38) services, model portfolios, and lifetime income analysis) despite reporting no discretionary or non-discretionary assets under management as of December 31, 2025 and operating with a small management team. The parent-company fintech affiliation and explicit disclosure of the firm’s proprietary scoring methodology and role as a potential subadviser are distinctive operational features noted in the Form ADV.
Client services
Expertise
Occupation focus
Fee options
Flat fees for plan level 3(38) investment management and 3(21) investment adviser services range from $500 to $100,000; flat fees for subadviser pension consulting services range from $750 to $100,000.
Main office
200 Central Ave 4th Floor
St Petersburg FL 33701
Advisors at this office
2
Most active in
Florida · Nebraska
Also doing business as
Nestimate · Nestimate Investment Management LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Joshua A
CFA®, Series 63, Series 66
St Petersburg, FL
Nestimate Investment Management LLC
Joshua Anderson is a CFA® charterholder with 15 years of industry experience. He is the Chief Investment Officer for Nestimate, Inc., a fintech firm providing analytical tools for financial advisors to assess in-plan annuities, and also the Founder of The Retirement Innov8ion Lab, which develops thought leadership and innovative ideas in the retirement plan sector. Anderson currently serves as an advisor at Nestimate Investment Management LLC. Nestimate Investment Management, LLC offers portfolio management and pension consulting services primarily to retirement plans, other advisers, and insurance companies. The firm employs a fiduciary investment approach that integrates quantitative scoring with qualitative due diligence, leveraging proprietary analytics and fintech tools to support diversified, cost-aware, and customized plan solutions, including lifetime income product analysis and 3(21)/3(38) fiduciary services.
Michael G
CFA®, Series 66
St Petersburg, FL
Nestimate Investment Management LLC
Michael Garberich is a CFA® charterholder with nine years of industry experience. He is currently with Nestimate Investment Management LLC and has previously worked at LeafHouse Financial Advisors, Lowenberg Group, and Merrill. Nestimate Investment Management LLC provides portfolio management and pension consulting primarily for retirement plans, advisers, and insurance companies. The firm employs a fiduciary-focused investment process combining quantitative scoring with qualitative manager due diligence, supported by proprietary analytics and fintech tools from its parent company.
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