Nectarine
Nectarine, Inc. is a US-based online marketplace, founded in 2023, that connects individual consumers with independent, flat-fee fiduciary financial advisors for hourly or project-based on-demand planning. The platform also offers free financial calculators, educational content, and a built-in Net Worth Tracker, serving US residents exclusively.
- Company typePrivate
- Founded2023
- Headquarters—
- Headcount1–10
- GTM typeB2C
- OfferingDigital Commerce or Content
What Nectarine does
Nectarine, Inc. is a US-based, privately held company founded in 2023 that operates a direct-to-consumer online marketplace connecting individual consumers with independent, flat-fee fiduciary financial advisors. The platform enables users to browse advisor profiles, filter by specialty, US state, and topic expertise, and book on-demand advisory engagements (including a standardized "The Hour" meeting format). Advisors listed on the platform are US-based fiduciaries holding CFP, AFC, CFA, or CSLP designations, and they charge transparent hourly or project-based flat fees with no commissions and no annual AUM-based fees.
The company's product surface consists of three layers. First, the core Nectarine Platform functions as the marketplace and advisor-matching service. Second, the Money Tools suite provides free, no-login-required financial calculators (Retirement, Income Tax, Stock Split, CAGR) and an editorial library of articles organized across Calculators, Financial Planning, Investing, Taxes, Retirement, and Nectarine-platform categories, largely authored by credentialed advisors. Third, the Net Worth Tracker is a built-in account feature that lets users create and share net worth statements with their assigned Nectarine advisor. The technology is described as a web-based marketplace with integrated calculators; no mobile app, no public API, and no AI/ML components are disclosed.
Nectarine monetizes via the advisor marketplace: revenue is generated when consumers book and pay flat-fee hourly or project engagements with listed advisors, under a pay-as-you-go billing cadence. There is no subscription fee to the consumer for browsing or using the calculators. The company serves a horizontal set of consumer segments including pre-retirees, retirees, FIRE enthusiasts, millennials, business owners, healthcare professionals, military personnel, and student-loan borrowers, but explicitly excludes non-US residents and concentrates operations in the US market. The team is small (1-10 employees) and co-founded by Jeremy Schneider (also founder of Personal Finance Club) and Vivi Ton; no external funding rounds, ownership structure, or financial metrics are publicly disclosed.
Nectarine firmographics
Firmographics- Name
- Nectarine
- Legal name
- Nectarine, Inc.
- Website
- https://hellonectarine.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Nectarine, Inc. is a US-based online marketplace, founded in 2023, that connects individual consumers with independent, flat-fee fiduciary financial advisors for hourly or project-based on-demand planning. The platform also offers free financial calculators, educational content, and a built-in Net Worth Tracker, serving US residents exclusively.
- Ownership category
- akta.pro rank
Nectarine industry classification
Industry- Product category
- Financial Advisory Marketplace
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Fee-Based Advisory (FSAEAAAM)
Keywords
Nectarine business model
Business model- GTM type
- B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations
Revenue model
- Flat-fee hourly financial advisory: Nectarine generates revenue by connecting clients with fiduciary advisors who charge clearly advertised flat rates by the hour or by the project. There are no commissions, no annual AUM fees, eliminating conflicts of interest in advice delivery.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | Flat-fee hourly advisory |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Nectarine product offering
Product offeringCore offering
Nectarine is an online marketplace that connects individual consumers with independent, US-based fiduciary financial advisors who charge transparent flat fees by the hour or by the project. The platform includes an advisor matching and booking flow, a "The Hour" meeting format, a Net Worth Tracker, and a suite of free financial calculators (retirement, income tax, stock split, CAGR) supported by educational articles authored by credentialed advisors (CFP, AFC, CFA, CSLP).
Product overview
Nectarine is a financial advisory marketplace offering flat-fee, fiduciary advice with no sales pitches, commissions, or annual AUM fees. The core product is the Nectarine Platform, which connects users with US-based fiduciary advisors charging transparent hourly or project-based rates. This platform includes the Money Tools suite (retirement calculators, income tax calculators, stock split calculators, CAGR calculators, and educational content on financial planning, investing, and taxes), the Find an Advisor matching service, the Net Worth Tracker, and "The Hour" meeting format. The company operates exclusively in the United States and does not serve non-US residents.
Differentiator
Problem solved
Functional benefit
Products and services
- Nectarine Platform Online marketplace connecting individual U.S. consumers with vetted fiduciary financial advisors who charge transparent flat rates by the hour or by the project. Enables advisor discovery by specialty and geography, booking of meetings including "The Hour" sessions, and access to planning tools and resources.
- Find an Advisor Advisor matching service that connects users with vetted, US-based fiduciary financial advisors charging transparent flat rates by the hour or by the project.
- Money Tools
- Retirement Calculator Calculator that projects whether a user's current savings, income, and investment strategy are on track to support their ideal retirement age and lifestyle, using the Trinity Study for success rate calculations.
- Income Tax Calculator
- Stock Split Calculator
- CAGR Calculator
- Net Worth Tracker
- The Hour Meeting
Companies that use Nectarine
Customer profileSegments10 records
Ideal customer profiles10 records
Nectarine technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Nectarine partnerships and signals
Strategic signalRecent moves5 records
Expansion highlights4 records
Nectarine competitors and assessment
Company assessmentBroad incumbents
- Betterment: Betterment is a large robo-advisor and digital wealth platform that has expanded into human advisor access. It competes for the same consumer financial advice segment as Nectarine but at much greater scale and broader product breadth.
- Empower (Personal Capital): Empower (acquired Personal Capital) combines free financial tools (net worth tracker, retirement calculator) with wealth management. Comparable to Nectarine's tools-plus-advice model but as a much larger incumbent.
Direct peers
- SmartAsset: SmartAsset operates a financial advisor matching marketplace with strong SEO-driven content and free calculators (mortgage, retirement, tax). Directly comparable to Nectarine's content-plus-marketplace funnel.
- Wealthramp: Wealthramp is a fiduciary advisor matching service. Comparable to Nectarine in connecting consumers to vetted advisors with a fiduciary standard.
- Harness Wealth: Harness Wealth is a marketplace that matches consumers with vetted financial advisors. Directly comparable to Nectarine's find-an-advisor model, with overlap in fiduciary, fee-transparent positioning.
- Zoe Financial: Zoe Financial is an advisor-matching marketplace focused on connecting consumers with fiduciary advisors. Highly comparable to Nectarine's core marketplace model, with similar vetting and matching mechanics.
- Facet Wealth: Facet Wealth offers flat-fee, fiduciary financial planning on an ongoing subscription basis. It is the closest direct competitor to Nectarine, serving the same flat-fee, no-AUM consumer segment with credentialed CFPs.
Emerging players
- Boldin (formerly NewRetirement): Boldin provides retirement planning calculators and connects users with advisors. Overlaps with Nectarine on retirement calculator functionality and advisor access, but is more specialized in retirement.
- Ellevest: Ellevest is a digital wealth management and financial planning platform targeted primarily at women. Comparable to Nectarine's women-focused advisor profiles and digital financial planning offering.
Regional players
- Wealthsimple: Wealthsimple is a flat-fee digital wealth manager in Canada. Comparable business model to Nectarine's flat-fee fiduciary philosophy, but operates in a different geography.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks4 records
Key highlights5 records
Customer concentration
Nectarine social profiles
Digital presenceNectarine financial estimates
Financial estimateRevenue estimate
Valuation estimate
Nectarine leadership team
Management profileNumber of profiles
Profiles3 records
Nectarine funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Nectarine M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Nectarine
What does Nectarine do?
Nectarine is an online marketplace that connects individual consumers with independent, US-based fiduciary financial advisors who charge transparent flat fees by the hour or by the project. The platform includes an advisor matching and booking flow, a "The Hour" meeting format, a Net Worth Tracker, and a suite of free financial calculators (retirement, income tax, stock split, CAGR) supported by educational articles authored by credentialed advisors (CFP, AFC, CFA, CSLP).
Is Nectarine a public or private company?
Nectarine is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Nectarine founded?
Nectarine was founded in 2023. It employs 1 to 10 people.
How does Nectarine make money?
One revenue line is on record: flat-fee hourly financial advisory.
Who are Nectarine's main competitors?
Broad incumbents on record are Betterment and Empower (Personal Capital). Direct peers are SmartAsset, Wealthramp, Harness Wealth, Zoe Financial and Facet Wealth. Emerging players are Boldin (formerly NewRetirement) and Ellevest. Wealthsimple is listed as a regional player.
Does Nectarine have an API?
No public API is recorded for Nectarine.
What industry is Nectarine in?
Nectarine's product category is Financial Advisory Marketplace. Its primary akta.pro industry code is FSAEAAAM, Fee-Based Advisory. Its SIC code is 6282.