NestEgg Advisors

The firm charges a flat dollar fee for its core retirement plan diagnostic and optional ongoing subscription, rather than a percentage of assets under management. This is unusual in the RIA space, where most retirement-adjacent advice is cross-subsidized by asset-based fees. The fixed-fee model means the firm's revenue does not rise with market appreciation and is not tied to the size of a participant's 401(k) balance, which the firm presents as a conflict-reduction measure. Specific fee amounts are disclosed to prospective clients during initial consultation, not published on a public-facing rate card.

No. The firm is a non-discretionary Registered Investment Advisor that does not custody assets, execute trades, or maintain discretionary authority over client accounts. Its advice is limited to plan selection guidance, contribution allocation, and drawdown sequencing within existing employer-sponsored retirement accounts. This structure relieves the firm from many of the compliance burdens of a discretionary manager but also caps its per-client revenue potential, as it earns no ongoing asset-based fees.

NestEgg Advisors provides human-delivered, plan-specific analysis rather than automated portfolio allocation. Robo-advisors typically manage discretionary accounts and recommend diversified ETF portfolios; NestEgg's output is a written blueprint tailored to the specific investment menu and rules of a client's particular 401(k) plan. The firm does not rebalance portfolios or manage accounts algorithmically. The service is closer to a one-time fiduciary consultation than to a software-based discretionary manager.

No. The firm explicitly does not sell annuities, insurance, or proprietary investment products. As a fee-only RIA, its revenue derives solely from advice fees, which removes the incentive to recommend products with embedded commissions. This stance is core to the firm's marketing and regulatory posture, and is documented in its Form ADV Part 2A disclosure.

The firm advises on the decision to roll over a 401(k) to an IRA and can recommend IRA providers and asset allocation strategies consistent with the client's retirement plan. However, NestEgg does not execute the rollover transaction itself, as it does not custody assets or have trading authority. The advice is typically delivered as a written recommendation that the client then implements through their chosen custodian. The firm's guidance covers tax implications, withdrawal sequencing, and provider comparison.