Nectarine is an online platform that connects users with independent financial advisors who charge flat fees by the hour or project. Founded by Jeremy Schneider and launched publicly in early 2024, the platform exclusively features fiduciary advisors, who are legally required to act in clients' best interests.
The flat-fee model differs from traditional advisory structures where advisors charge a percentage of assets under management or earn commissions from product sales. Nectarine's approach aims to eliminate those built-in conflicts of interest.
The platform works by letting you select an advisor and schedule a session. One Reddit user noted the appeal: "Being able to pick an advisor and know the appointment just required one hour was quite appealing." Another user said they paid for an hour but needed only 25 minutes, with the advisor offering little beyond confirmation they were on the right track.
Nectarine also offers retirement calculators and financial planning guides.
Reviews are mixed but generally positive. Users appreciate the transparent pricing and convenience. However, the value depends partly on how prepared you are before your session. Flat-fee advice may not suit you if you want continuous portfolio management or year-round advisor engagement.
Nectarine works best for people who want targeted independent advice without long-term fee commitments. It could be useful if you need a professional check-in on specific questions or a particular financial project, but it is not designed for ongoing portfolio management.