Nest Egg

What Nest Egg does

Nest Egg, founded in 2016 and headquartered in Conshohocken, Pennsylvania, operates a technology-driven investment advisory platform that connects bank and credit union customers with on-demand financial advisors. Operating under its legal entity Nest Investments LLC (a Registered Investment Advisor) and its wholly-owned broker-dealer subsidiary Nest Investments BD LLC (SEC-registered, FINRA/SIPC member), the company serves nearly 1 million end-customers through white-label partnerships with 14+ financial institutions across 100+ locations in 12 U.S. states. The platform offers three core product lines: individual investment accounts (with a $1,000 minimum), 401k participant advisory services, and 401k employer plan management with 3(16) and 3(38) fiduciary coverage.

The platform's core technology centers on live video advisory sessions with screen sharing and cobrowsing capabilities powered by Median, enabling advisors to connect with customers in 10 minutes or less. Investment management is supported by integrations with Apex Clearing and TD Ameritrade as custodians, and a partnership with Lincoln Financial Group for 401k plan administration using a Morningstar-curated fund lineup. Nest Egg holds SOC 2 Type II certification and operates with a B2B2C primary go-to-market, supplemented by a direct-to-consumer website and an enterprise sales motion targeting employers for 401k plans. Co-founders Arden D. Miller (President) and Michael Church (CEO) lead the company.

Revenue is generated through investment advisory fees under a subscription/recurring model, with fee structures customized by account size and service level. Nest Egg completed a $5 million strategic financing round in June 2023 co-led by OceanFirst Bank and Republic Bancorp, Inc., both of which are also distribution partners. The firm received industry recognition as one of America's top financial advisory firms in 2026 from both Newsweek and USA Today.

Name

Nest Egg

Legal name

Nest Investments LLC

Website

https://fi.hellonestegg.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Nest Egg is a Registered Investment Advisor operating a B2B2C platform providing on-demand video financial advisory services to bank and credit union customers across 12 U.S. states. It reaches nearly 1 million end-customers through 14+ financial institution partnerships and also offers 401k management.

Ownership category

akta.pro rank

Product category

Digital Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK)

akta.pro secondary industries

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

Keywords

• Wealth management platform
• Investment advisory services
• Retirement plan services
• Digital financial advisory
• White-label advisory technology

Headquarters

HQ city

Conshohocken

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Investment Advisory Fees: Nest Egg operates as a Registered Investment Advisor (Nest Investments LLC) offering investment advisory services. The company generates revenue through advisory fees charged for investment management and financial planning services. The exact fee structure is not publicly disclosed and is likely customized based on account size and services.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Nest Egg operates a digital investment advisory platform that provides on-demand access to live financial advisors via video and screen sharing, along with personalized portfolio management, retirement plan services, and fiduciary coverage. The platform is primarily delivered through white-label partnerships with banks and credit unions, and also sold directly to consumers and employers for 401k plans, with a $1,000 minimum investment and curated fund lineups.

Product overview

Nest Egg is a technology-focused investment advisory platform that connects bank and credit union customers with on-demand financial advisors. The platform operates as a unified offering combining three core services: Investing (for general investment accounts including IRAs and education savings), 401k Participant services (for individuals managing existing retirement accounts), and 401k Employer plans (for businesses offering workplace retirement benefits). All services provide access to live financial advisors via video, supplemented by fiduciary oversight, financial literacy resources, and personalized portfolio management. The platform is integrated with bank and credit union partners who white-label the service for their customers.

Differentiator

Problem solved

Functional benefit

Products and services

• Investing

Quantifiable outcome

• Studies show working with an advisor has historically improved returns by 1.5% to 4% per year
• +1 more outcomes

Named customers14 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

15 partnerships are on record, tiered core, supporting and primary.

• Lincoln Financial GroupcoreTechnology or IntegrationPartnership with Lincoln Financial for 401k employer plans. Plans utilize Morningstar's curated Investment Fund lineup of 4- and 5-star rated funds. Nest Egg provides investment management while Lincoln Financial handles plan administration.
• Apex ClearingsupportingTechnology or IntegrationApex Clearing serves as a custodian for Nest Egg client investments, ensuring securities are held securely and transparently.
• TD AmeritradesupportingTechnology or IntegrationTD Ameritrade is one of the respected firms Nest Egg works with to ensure client investments are held securely and transparently.
• Washington State BankprimaryChannel Partner/ Reseller/ DistributorWhite-label partner offering Nest Egg services to bank customers with financial planning tools and on-demand advisor access.
• Prevail BankprimaryChannel Partner/ Reseller/ DistributorWhite-label partner providing professional wealth management to customers of all asset levels through easy-to-use investment platform.
• Phoenixville Federal BankprimaryChannel Partner/ Reseller/ DistributorWhite-label partner providing simplified investing solution with goal-driven professional account management.
• First Bank HamptonprimaryChannel Partner/ Reseller/ DistributorWhite-label partner offering simple online solution for customers to establish and execute goal-driven financial plans.
• Fortifi BankprimaryChannel Partner/ Reseller/ DistributorWhite-label partner offering stress-free investing and financial planning with accessible advisors from in-branch terminals or home.
• KeySavings BankprimaryChannel Partner/ Reseller/ DistributorWhite-label partner providing professional investment management services with on-demand advisor access starting at $1,000.
• Flanagan BankprimaryChannel Partner/ Reseller/ DistributorWhite-label partner offering simplified investing solution with easy access to financial planning and virtual investment advisors.
• Republic BankprimaryChannel Partner/ Reseller/ DistributorWhite-label partner providing simplified investing and financial planning with goal-setting and portfolio management services.
• J.W. Cole (J.W. Cole Advisors & J.W. Cole Insurance Services)supportingChannel Partner/ Reseller/ DistributorJ.W. Cole is a financial advisory firm partnership offering Nest Egg services through their network. Note: J.W. Cole entities are unaffiliated with Nest Egg.
• First State BankprimaryChannel Partner/ Reseller/ DistributorWhite-label partner offering quality planning tools and professional advice accessible remotely or in branches.
• The Atlantic FCUprimaryChannel Partner/ Reseller/ DistributorWhite-label partner (credit union) providing members with simple and effective financial management with professional account management just a click away.
• Healthcare Employees Federal Credit Union (HEFCU)primaryChannel Partner/ Reseller/ DistributorWhite-label partner (credit union) offering on-demand advice and account management for planning confidently and achieving goals.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Stash: Subscription-based investment and banking platform targeting beginning and mass-affluent investors with low minimums. Comparable in target customer (low-minimum, mainstream retail) and product breadth, though Stash is consumer-direct rather than B2B2C.
• Personal Capital (Empower Personal Dashboard): Hybrid wealth management platform combining free financial tools, automated investing, and human advisor access. Comparable to Nest Egg across product mix and target segment, now operating as part of Empower Retirement following acquisition.
• Betterment: Direct-to-consumer digital wealth manager offering automated portfolios plus access to human advisors. Highly comparable to Nest Egg's hybrid model of digital onboarding + on-demand human advice, though Betterment is consumer-direct rather than white-label through banks.
• Wealthfront: Leading robo-advisor offering automated investment management and financial planning. Closely comparable to Nest Egg's digital-first wealth management product, though Wealthfront is purely automated without Nest Egg's on-demand human advisor layer.
• Facet Wealth: Digital-first financial planning firm pairing clients with dedicated CERTIFIED FINANCIAL PLANNER™ professionals via video. Highly comparable to Nest Egg's on-demand video advisory model, with similar target customer (mass-affluent) and similar fee-based RIA economics.

Emerging players

• Ellevest: Digital wealth management platform with a specific focus and brand positioning. Comparable in being a digital-first advisory firm serving retail customers with low minimums, though Ellevest targets a narrower audience and is smaller in distribution.

Broad incumbents

• SoFi Invest: SoFi's investment and advisory product, part of a broader super-app spanning lending, banking, and wealth. Comparable in targeting mass-affluent customers with low-fee digital advisory, with a significantly larger customer base and marketing budget that competes for the same end users.
• Fidelity Go: Fidelity's robo-advisor and hybrid advisory offering. Comparable in product (automated portfolios + human advice tier) and target market (retail and workplace), with a massive balance sheet, established 401k franchise, and significant distribution advantage.
• Vanguard Personal Advisor: Vanguard's hybrid advisory service combining automated portfolio management with human advisor access. Directly comparable to Nest Egg's hybrid offering and is widely used in employer retirement plans, putting it in direct competition for the 401k Employer vertical.
• Schwab Intelligent Portfolios: Charles Schwab's automated and hybrid advisory offering. Comparable as a digital wealth and retirement advisory product, with a much larger brand, deeper product set, and institutional pricing power that competes for the same bank partner relationships Nest Egg targets.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Nest Egg