Cash flow architecture
Saving happens before spending, automatically. You know your number every month without a spreadsheet.
Fiduciary financial planning · Let’s build together
Financial planning built for the years that compound.
NILE is a fiduciary planning and investment firm for people building wealth. The years with the most to gain from good decisions are the ones the industry has mostly ignored.
- Fiduciary, always
- From $55 a month
- Virtual-first
Net worth · illustrative
20-year view
01 — The gap
The industry is built for people who already have money.
At NILE, we do the work with you to build. Most firms wait for you to bring a large balance, so they meet you at retirement and ignore everything before it. NILE helps you leverage the principle of compounding when it counts most: the early years. That means planning for the first big promotion, the first equity grant, the first kid.
01
No asset minimums
You don't need a portfolio to be worth advising. Your income, your habits and your next ten decisions are the asset.
02
Advice and assets, together
Saving and investing go hand in hand, so we do both with you. Planning for your unique needs, and institutional‑level asset management to boot.
03
Built for the questions in front of you
RSUs and taxes. Rent or buy. A raise, a move, a second income. We work on what is actually in front of you, not a retirement date.
Who it’s for
Wealth builders. The people the industry was never built for.
Tech & equity comp
RSUs vest every quarter and most of your net worth is one company's stock.
Medicine & law
A real salary at last, a decade of training behind you, and loans that need a strategy.
Founders & freelancers
Income that arrives in lumps, and taxes that don't wait for it.
Earning more than you spend
Your income finally outran your expenses, and the difference is sitting in checking, waiting for a plan.
02 — What we do
One plan for everything your money touches.
Equity compensation
RSUs, ISOs, ESPP. When to sell, what to hold, and what each choice costs in tax.
Tax strategy
Backdoor Roth, mega-backdoor, HSAs, bracket management. The quiet stuff that compounds.
Investing
Low-cost, evidence-based portfolios built for a thirty-year horizon, not a news cycle, and managed by us alongside your plan.
Big decisions
Rent or buy. The wedding, the sabbatical, the second income. Modeled before you commit.
Protection
Insurance and estate basics that fit your stage, chosen without a commission in the room.
Something not on the list?
Let’s talk it through
03 — How it works
Start with a conversation. Stay for the decisions.
-
01 30 minutes
The intro call
We learn where you are. You learn whether we fit. No prep, no pitch, and a clear answer either way.
-
02 First 90 days
The build
Cash flow, taxes, equity, debt and goals mapped into one living plan, with the first moves made, not just listed.
-
03 Ongoing
The rhythm
Check-ins tied to real events: a vest, a raise, an offer, a move. Advice arrives when the decision does, not on a calendar quarter.
04 — Pricing
Two numbers. No surprises.
Membership starts at $55 a month, so advice is available while you are building, not only once you have built. Management is charged only on what we actually manage, so the fee tracks the work, not your worth.
As a registered investment adviser, NILE is a fiduciary: we are required to put your interests first. We think you should expect that from anyone near your money.
- Not charged: A minimum balance to get in the door
- Not charged: Setup fees or hourly billing
- Not charged: Commissions on anything we recommend
$55
/ month
Planning membership
The plan, the advice, and a person who knows your situation. Same price whether you have $5,000 or $500,000.
1%
/ year
Investment management
Charged only on the assets we manage for you. Your portfolio is built around your plan and adjusted as your life changes.
05 — Questions
Things people ask before they start.
Do I need a certain amount of money to work with NILE?
No. There is no asset minimum. Our clients are typically early in their wealth-building years, with most of their wealth still ahead of them. That is the point.
What does it cost?
$55 a month for planning membership, plus 1% a year on any assets we manage for you. No asset minimums and no setup fees.
Is NILE a fiduciary?
Yes. NILE is a registered investment adviser, which makes us a fiduciary by law. We are required to act in your best interest, and we would do it anyway.
Do you manage investments?
Yes. We build and manage your portfolio as part of your plan, because saving and investing go hand in hand. Accounts you hold elsewhere, like a workplace 401(k), are factored into the plan too.
How is this different from a robo-advisor or a budgeting app?
A robo invests a portfolio. An app tracks spending. Neither one knows you. At NILE, you have a real person in your corner who knows your situation and works through the decisions with you: taxes, equity, timing, trade-offs.
Where are you located?
We are virtual-first and work with clients across the United States. Meetings are on video, at times that fit a working week.
What happens on the intro call?
Thirty minutes on video, no prep. You tell us where you are and what is on your mind; we tell you honestly whether we are the right fit and what working together would look like.
What happens after the intro call?
If we both think it is a fit, you become a member, we schedule the first planning session and the build begins. If not, we will say so and point you somewhere useful.
Start here
Start before it feels necessary.
The best time to get advice was years ago. The second-best time is this week.