Nectarine Review – A Look at the Flat-Fee Financial Advisor Platform

Affiliate Note: I will be compensated by Nectarine if you use my affiliate link, which creates an incentive and conflict of interest. I am not a current client or employee of Nectarine.

Finding trustworthy, affordable financial advice can be challenging.

Many advisors charge a percentage of your assets under management (AUM) or earn commissions from selling financial products—structures that can create conflicts of interest.

Nectarine is an online platform aiming to simplify the process by connecting people with flat-fee, fiduciary financial advisors.

This review takes an objective look at what Nectarine offers, how it works, and where it might (and might not) fit into your financial planning needs.

What is Nectarine?

Nectarine connects users with independent financial advisors who charge either hourly or project-based flat fees. The platform focuses exclusively on fiduciary advisors—professionals legally required to act in their clients’ best interests.

Key features include:

• Searchable advisor profiles – Filter by specialties, pricing, and availability.
• Upfront pricing – Rates are displayed before booking.
• Virtual meetings – Sessions take place over video calls, with follow-up notes provided for some engagements.

Nectarine was founded by Jeremy Schneider, known for his work with Personal Finance Club, and launched publicly in early 2024.

The Case for Flat-Fee Advice

Flat-fee or hourly financial planning is designed to avoid common pitfalls in traditional advisory models:

• No product commissions – Reduces incentives to recommend certain investments.
• Predictable costs – Pay only for the time or project you need.
• Access for more people – A one-time session can be more approachable than ongoing AUM fees.

That said, flat-fee advice may not be ideal for everyone. If you want continuous portfolio management or year-round engagement, you might need a more traditional arrangement.

Related: What You Can Expect from a Financial Planner [Plus How Much They Cost]

How Nectarine Works

Nectarine’s process is straightforward:

1. Browse advisors – Read bios, compare fees, and check specialties (e.g., retirement planning, tax strategy, small business finances).
2. Book a session – Choose between one-hour meetings or longer engagements like multi-week planning projects.
3. Meet virtually – Conduct the session via video call.
4. Receive follow-up – Some advisors provide summaries or action steps afterward.

Nectarine has other features as well, including helpful guides and calculators (like this handy retirement calculator).

Pros and Cons

Pros

• Transparent, flat-fee pricing displayed upfront.
• Fiduciary-only advisors vetted for credentials.
• Flexible: book a single hour or a more comprehensive plan.
• Easy to search and schedule online.

Cons

• Still building advisor network—coverage may be limited in certain niches or regions.
• Hourly sessions may feel rushed for complex financial needs.
• Quality of experience depends on the specific advisor chosen.
• Not necessarily a replacement for ongoing portfolio management.

User Feedback

Reviews of Nectarine are mixed but generally positive. Many users appreciate the transparent pricing and convenience:

“Being able to pick an advisor and know the appointment just required one hour was quite appealing.” – Reddit user

Others noted that the value depends on how prepared you are going into the session:

“I paid for an hour but only needed 25 minutes … the advisor didn’t have much to add beyond confirming I was on the right track.” – Reddit user

Alternatives

If you’re exploring flat-fee or fee-only advisors, other options include:

• XY Planning Network – A directory of fiduciary advisors, many offering subscription pricing.
• Wealthtender – A directory of advisors listed by region.
• NAPFA – National Association of Personal Financial Advisors, with a focus on fee-only professionals.
• Facet – Membership-based flat-fee planning with ongoing support.

Bottom Line

Nectarine offers a streamlined way to connect with flat-fee, fiduciary financial advisors. It may be best suited for people who want targeted, independent advice without committing to long-term fees. The platform’s transparency and ease of use are strong points, but the experience will largely depend on the advisor you select and the clarity of your goals going in.

If you’re comfortable managing your own finances but want a professional check-in—or need specific guidance on a project—Nectarine could be a useful tool to consider.