Wealth Management and Tax Planning
for Women Professionals and Couples

 

Guidance to help you achieve early financial independence

Optimize Your Investments  |  Reduce Taxes  |  Live Well

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The Only Commission-Free, NAPFA-Qualified Firm in Incline Village, Tahoe City and Truckee

A work-optional lifestyle sounds appealing… but are you on track for early financial independence?

If you have  $750,000 (or more) in retirement savings,
or have a high income and are a conscientious saver,
we may be a good fit to help you.

You May Wonder:

“Is my portfolio invested wisely?”
“How can I reduce my taxes?”
“I have just received an inheritance – how can I safely invest it?”
“Am I on track to attain my goals and fund my retirement?”

FINANCIAL PLANNING OR TAX QUESTION?

We enjoy sharing our expertise.  No cost, no obligation.

 

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Voted Best Financial Advisor in North Lake Tahoe!

voted best financial advisor in the Truckee, North Lake Tahoe and Incline Village area for 2021, 2022, 2023 and 2025.

Interested in Getting Answers

Take Three Easy Steps:

Three steps to financial planning

Step 1: Schedule a Free Initial Phone Conversation.

This 30 to 60-minute call focuses on your questions and allows us to find out if our expertise matches your situation.   If not, we’ll refer you to someone who can help.

Step 2: Meet to explore your goals and financial picture.

In this 1.5 – 2 hour discovery meeting, we explore your goals, values and concerns. We’ll review your financial documents and gather details we need to craft your plan.

As we discuss your situation, we will cover how we may optimize your portfolio, lower your taxes, and help you achieve financial independence.

Step 3. Receive a Comprehensive Financial and Lifetime Tax Plan.

After an in-depth analysis, we meet to review your plan and answer your key questions, in plain English.  At the end of the meeting you will know if you are on track to reach your goals and realize the life you imagine.

Think it over:

Only after you have had time to get to know us and learn how we can help, do we move forward with a client engagement.

There is never any pressure, especially since we are limiting our practice size to give each client the time they deserve.

Get Started with a Free Conversation

Success Stories

Lily – Mid-Career, Needs answers to financial questions

Doctor smiling at her office
Lily recently moved to our area, where she is setting up her own medical practice. She wants to set up tax-efficient retirement and wealth accounts to provide for her future and her extended family, but she has questions and not a lot of time in her busy life to do it on their own.

Shari & Lee – Peak Earning Years, Planning for Work-Optional Lifestyle

couple meeting with their financial advisor
Shari and Lee have a great income, but they are paying a lot in income taxes and want to explore ways to reduce their tax burden.  They enjoy their jobs but are contemplating “retiring” early, and possibly moving into a work-optional lifestyle.

Jill & Liam – Close to Retirement, Wondering if on Track

happy couple walking on the beach
Jill and Liam have worked hard and accumulated a nice nest egg, but their greater concern is whether they are on track to retire, and when exactly, would be a good time to do that.  They also don’t want any surprises with taxes and Medicare premiums after they no longer have a steady income.
*These are representative stories based on client experiences.  They are hypothetical in nature and do not necessarily represent scenarios or results of actual clients.

Our Specialties

Holistic Wealth Management

  • We create a purpose-driven investment plan, focused on your values
  • Access institutional-quality global investments tailored to your financial plan
  • Focus on your whole financial picture including retirement, social security, tax, insurance, estate & trust, education and charitable planning

Lifetime Tax Planning

  • We craft a long-term tax plan to optimize tax savings
  • Review over 12 tax strategies each year to set up retirement tax efficiency
  • Collaborate with your CPA in an on-going relationship
  • Take advantage of ongoing market changes for tax savings opportunities

➔ Lifetime tax savings of this integrated tax/investment approach are not trivial, averaging a solid seven figures.

Why Nest Egg Financial Advisors?

Among financial advisors, there is a difference…

Highly Personalized Service

Intentionally limiting our practice size, taking on 3 to 5 clients a year.

Multi-Generational Advisor Team
Your personal advisors, Lisa and Jack, enjoy strategizing about each client’s unique situation and bring different perspectives to the team.

  • Lisa, in her mid 40s, has 18 years of experience in financial advising and obtained her CERTIFIED FINANCIAL PLANNING™ certification in 2010. As the firm’s principal owner, she will be a stable resource for our clients for many years to come.
  • Jack has a background as a physicist and always loved investing and optimization strategies. He is certified as a Behavioral Financial Advisor. He contributes a different viewpoint from his 49 years of experience with alternative, real estate, and stock investments.
Fiduciary
In contrast to investment brokers, we are bound by a fiduciary standard to put your best financial interests above our own.

As an Independent Registered Investment Advisor, we do not wear both advisor and institutional hats.  We are not conflicted between choosing to act in the best interests our clients vs. our parent organization.  As an independent advisor, we have no incentives to promote the investment products of a particular custodian or a broker wire-house (including life-insurance annuities, typically with substantial imbedded costs and sub-market investment returns).
CFP® Professional
The CERTIFIED FINANCIAL PLANNER™ designation requires rigorous training and testing by the CFP Board.  It indicates qualification not just as an investment manager, but as a professional planner as well.  Only about one fourth of all financial advisors hold the CFP® designation*.  Lisa has held this designation since 2010.

*Source:  www.cfp.net

Local
Lisa has been serving the Incline/Tahoe/Reno area with financial and tax planning since 2004.
Holistic Approach
We not only focus on your investment portfolio, but on the other factors in your financial life, such as retirement, social security, tax strategies, insurance, estate planning, education funding, and charitable planning.
FEE-ONLY / Commission Free
We are FEE-ONLY advisors — No hidden fees, no commissions, no 12b-1 advertising fees, no kickbacks, no hidden incentives. 

All our services are contained in one transparent fee.  That’s the definition of our firm being designated as Fee-Only (not the so-called Fee-Based structure of broker/dealers and advisors who incorporate many fine-print, non-transparent charges in their investment recommendations).

NAPFA Qualified
An even smaller group of CFP® designees, less than about 4% of all financial planners,* are approved for membership in the National Assoc. of Personal Financial Advisors (NAPFA).  This requires 60 hours of continuing education every two years and gives us access to NAPFA’s exceptional community of expert advisors and extensive research materials to help our clients.

*Source:  Based on membership numbers from www.napfa.org

Lisa Farrier, CFP®
Lisa Farrier, CFP®

Want to learn more?
Interested in a second opinion?

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lisa@nesteggfa.com
547 Cole Circle
Incline Village NV, 89451
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“I really enjoy helping others and seeing how our work makes a positive difference in their lives.

I have worked for other financial planning firms for 21 years, 9 of these years with a CPA.  I started my own independent firm in 2018 here in North Lake Tahoe to have a lifestyle practice in the area I love.  I bring this same passion to create a fulfilling lifestyle for our ‘family’ of clients and to be with them as an advisor and friend for many years to come.”

Learn More About Us

Family:

Lisa lives on the north shore of Lake Tahoe with her two daughters (three, if you count their dog).

Favorite Hike:

The woods by our house.  This is definitely my happy place.

Favorite Family Sport:

Skiing at Diamond Peak and Pickleball at the outdoor Incline courts

Favorite Beach:

The dog beach in Carnelian Bay.  You definitely need to love dogs to be there as they dominate this beach with their wet wagging tails.

Favorite Restaurant:

It’s hard to choose.  I love Fredrick’s in Incline and Christy Hill in Tahoe City (without the kids, of course!)
Still have questions?

Frequently Asked Questions:

What types of clients do you specialize in serving?
We mostly specialize in serving women professionals and couples, women in technology, and women in management.  We tend to focus on women and men in mid-career, although we also work with retirees and clients who we have helped achieve an early “work-optional” time in their lives.
How often will we meet, and in what format (video, phone, in-person)?
We usually meet semi-annually.  We meet with clients in our office, in their homes, or by Zoom, depending on their choice.   We are always available for on-going advice and questions that come up.
How are your fees structured (percentage, flat, hourly)?
Our fees are a percentage of assets under management, billed at the end of each quarter.  Our services can be terminated at any time without penalties.
Do you provide ongoing wealth management, one-time plans, or both?
We provide ongoing wealth management that is also holistic, including long-term tax planning, investment management, insurance and estate document reviews.
What is your minimum asset or fee requirement, if any?

We have a soft minimum of $750,000 in investable assets, although we also work with people having a high income who are conscientious about saving.

Is Nest Egg Advisors a fiduciary?
Yes, we are a Fee-Only, fiduciary firm.  Unlike “fee-based” institutional advisors, we receive no incentives to sell any financial products.
Do You work with people outside of Incline Village, North Tahoe, and Truckee?
Yes, we work with clients living in Reno and Carson City, and can often work with those out-of-state.
How is Nest Egg Financial Advisors different from other firms?
Local – Lisa has been serving the Incline/Reno area with financial and tax planning since 2004.

Multi-Generational advisor team approach.

NAPFA qualified – We are one of the few financial firms in the region that meets the extensive continuing-education requirements and fiduciary standards of NAPFA (National Association of Personal Financial  Advisors).

Intentionally limiting size – to provide high quality services for our clients.

Extensive expertise – access to the nationwide NAPFA network of highly qualified financial advisors.

Why should I consider working with Nest Egg Financial Advisors?
Great question.  First consider why you should not.

If you want a firm that tries to consistently “beat the market” by timing investments, history has shown these are beyond anyone’s control.*  Furthermore, high turnover results in timing mistakes, excessive capital gains taxes, and long-term underperformance of the market.*

However, if you’d like to focus on things we can control – that is, reducing your tax bill, investing smarter, preserving your purchasing power and planning for your goals and retirement, then you’ve found the right place!

* Sources: www.dalbar.com; www.vanguard.com/pdf/ISGQVAA.pdf

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Proud sponsors of:

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Classical Tahoe

Food Bank of Northern Nevada