NiRo Nivesto LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
NiRo Nivesto LLC serves individuals, families, and small business owners—including physicians and other healthcare professionals—providing fee-only wealth management, retirement and tax planning, and business and financial consulting. The firm also offers one-time non-discretionary financial planning, acts as a non-discretionary trust protector for irrevocable trusts (including Medicaid Asset Protection Trusts), and provides transition support for clients undergoing widowhood or divorce.
The adviser follows a proprietary PRAG (Protect and Grow) investment philosophy that combines strategic and tactical asset allocation with tax-aware techniques, including direct indexing, model indexing, and tax-loss harvesting, informed by fundamental and macroeconomic analysis. Much of the firm’s work is conducted on a non-discretionary basis—implementation is left to clients or provided only under separate written agreements—and discretionary authority is exercised only when explicitly granted.
Compared with many peers, Nivesto emphasizes non-discretionary oversight roles (trust protector and consultative business services) and targeted consulting on entity structure and retirement plan options for small business owners and healthcare professionals. The state-registered adviser, founded in 2025, manages $2,859,588.37 in client assets and discloses that direct- or model-indexing strategies may involve separate third-party platform or indexing fees.
Client services
Expertise
Occupation focus
Fee options
One-time financial planning flat fee ranging from $1,000 to $2,500; business consulting fees flat fee (one-time or recurring) negotiable.
$0.00 - $499,999.99: 1.50% $500,000.00 - $999,999.99: 1.25% $1,000,000.00 - $1,999,999.99: 1.00%
Fee-only: Investment advisory fee based on assets under management per tiered schedule; also flat fees for financial planning ($1,000 to $2,500) and business consulting (negotiable flat fee). No commissions earned.
Main office
Garnet Valley PA
Advisors at this office
1
Most active in
Pennsylvania
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.
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