Nisiotis, Michael
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Surpass Yourself Advisors provides comprehensive financial and retirement planning, financial education, and coaching to individuals, families, small businesses, and employers or organizations that want to offer financial-wellness services to employees or members. The firm operates a virtual practice and delivers services via one-on-one planning, webinars/seminars, and tailored workplace financial wellness programs.
Investment recommendations are guided by a written Investment Policy and emphasize asset allocation with broadly diversified, primarily passive portfolios while using fundamental and technical analysis and dividend models as appropriate. The firm does not manage client assets or accept discretionary authority; clients implement recommendations through their chosen custodians and the firm is compensated through flat or hourly planning and education fees rather than percentage-of-assets charges.
The principal holds CFP and CRPC credentials and is a licensed insurance agent, and the firm may recommend insurance products or refer clients to other professionals (with any commissions or referral fees disclosed). The combination of public educational offerings and employer-focused programs, the adviser’s insurance affiliation, and the explicit absence of portfolio management and percentage-of-AUM fee arrangements distinguish the firm from many independent advisor practices.
Client services
Expertise
Fee options
Flat-rate service fees based on the number of hours required to meet client needs, pre-paid at booking after initial consultation.
Commission earned on insurance products sold by the principal as a licensed insurance agent (life, health, property, casualty). Referral fees may also be received if clients purchase insurance products from another agent.
Hourly rates from $100 to $150 per hour billed in 30-minute increments for planning services; $120 to $150 per hour for education and coaching services.
Fee-only: Hourly rates range from $100 to $150 per hour for Financial and Retirement Planning Services; $120 to $150 per hour for Financial Education and Coaching Services. Flat-rate fees based on required hours or fractions thereof, pre-paid at booking after initial consultation.
Main office
Rutherford NJ
Advisors at this office
1
Most active in
New Jersey
Also doing business as
Nisiotis, Michael · Surpass Yourself Advisors
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
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.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)