What Financial Services Does NEST Offer?
Financial Literacy Links
At NEST Financial, we provide comprehensive financial services, including planning and investment management. Not too different from what you’d find at other firms… on the surface. The difference that NEST offers is in the details. We are a boutique financial firm, meaning we focus on quality rather than quantity. We elect to work with fewer clients, which means we can give the kind of bespoke, personalized attention to our clients that they deserve.
Our passion is helping Austin and Hill Country-based entrepreneurs, individuals, families, and businesses manage and grow their assets in the service of their life and financial goals.
Simple enough.
Except… How do we accomplish this? What exactly do each of our services entail? How exactly will your investments be managed? What are the different components of a plan? What does it require of you? How is NEST different from the other guys?
Let’s lay it all out on the table.
Financial Planning Services
Our financial planning services are, in a word, comprehensive. It would be helpful to think of it as more of a process, rather than a plan. And this process takes time, honesty, and vision.
It all starts with education. As business owners with over 30 years of experience, we have a wealth of knowledge to offer. Education is the foundation of all we do at NEST, because if we’re going to work together to help you reach your financial goals, it truly is a partnership.
Both parties need to be in possession of the best information in order to create the roadmap to get from where you are, to where you want to be. Financial education is the thread that runs through all the work we do together. We want you to not just be the recipient of our suggestions, but also understand why we’re making them.
That said, education goes both ways. That’s why in the first meeting we get to know each other, and make sure that we’re a good fit beyond what it says on paper. This gives us a chance to understand you, your current situation, and your goals. It’s also a great time for you to ask any questions you may have about us, our strategies, or our philosophy.
We really listen to our clients, taking stock of what you want to achieve. Once we have a good idea of your goals, we’ll start to crunch the numbers and devise a holistic strategy.
Some of What We Cover
Cash flow analysis – We look at where your money is going and help you build a budget to optimize the flow.
Investment portfolio analysis – We review your investments to ensure they are aligned with your objectives.
Retirement planning – We dig into how you envision your retirement, and what it will take to get you there.
Estate planning – We work through the decisions of what happens to your assets, dependents, and business if something happens to you.
Insurance coverage analysis – We examine your coverage and make recommendations that will provide for you and your family.
Investment tax planning – We look at your tax strategy to ensure you are planning in a way that maximizes savings.
Referrals to CPAs and attorneys – We’re not CPAs or attorneys, but we know some damn good ones.
Our financial planning service is fee-based, starting at $5,000. This includes minor adjustments in the year after your plan is created. Any major adjustments incur a $250/hour consulting fee.
Bespoke Financial Planning
This isn’t a simple input-output process. Your planning process is tailored to your unique needs and goals. It’s not just pulled off the rack.
We compose, consult with you, revise, refine, repeat. This process is time-intensive, requiring several meetings and up to five weeks.
This is ultimately what’s different about NEST. Our process is simplified (for you), but extremely personalized and granular. Other firms are more formulaic. We minimize the quantity of clients we take to offer the most optimized strategy.
Investment Management Services
In a nutshell, we assess your risk tolerance and the goals you’ve established, and then actively manage your investment portfolio using Sean’s data-driven, macro-aware process.
Most firms use set models. But when investment managers don’t consider the global macroeconomic situation, they leave out critical information.
The Quads
The economy generally falls into one of four quadrants: Quad 1, Quad 2, Quad 3, or Quad 4. These relate to economic growth and inflation. Each Quad requires different strategies and favors different asset classes, such as commodities, equities, bonds, or currencies.
Most fixed portfolios don’t adjust to reflect Quads. That’s where NEST is different. Our strategy adapts.
Our Portfolios
SUSTAIN – 6% return goal – conservative
BOOST – 7% return goal – low-medium risk
AUGMENT – 8% return goal – medium risk
ESCALATE – 10% return goal – high risk
OPTIMIZE – 20% return goal – highest risk
We don’t rely on Modern Portfolio Theory or outdated strategies like the 60/40 model. Sean monitors macroeconomic data daily to ensure your assets are positioned for growth.
Customized. Data-driven. Responsive. Strategic. Optimized. That’s the NEST difference.
Which Service Is Right for Me?
Most of our clients work with us for both financial planning and investment management, ensuring both services align. Planning sets the intention. Management executes it.
If you’re ready to level up, schedule a no-obligation call.
Find us on: LinkedIn | Facebook | Yelp | Twitter
Questions? Email us at info@nestfinancial.net
DISCLAIMER: We are legally obligated to remind you that the information and opinions shared in this article are for educational purposes only and are not financial planning or investment advice. For guidance about your unique goals, drop us a line at info@nestfinancial.net.