Cristina Perez
Advisor at Nectarine
Updated today
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Firm
Nectarine
Location
Phoenix, AZ
Credentials
CFP®, Series 63, Series 66
Industry experience
7 years
About
Cristina Perez is a CFP® certificant with seven years of industry experience, currently serving as a financial advisor at Nectarine. Her prior roles include positions at Mindful Millions Management PLLC, Endeavor Advisors, Bayntree Wealth Advisors, Fidelity Investments, and THE Vanguard Group. She also provides paraplanning services as an independent contractor for Endeavor Advisors. Nectarine offers consultative financial planning to individual clients, including both non-high-net-worth and high-net-worth households, through a selection of advisory personnel accessible via the firm’s website. The firm emphasizes long-term asset allocation using low-cost, index-based ETFs and mutual funds, with clients responsible for implementation, and structures engagements as hourly or flat-fee planning arrangements without managing client investment portfolios or accepting custody of assets.
Expertise
Based on Nectarine
General retirement planning
Income planning
Life insurance needs analysis
Cash flow / budgeting
Fee options
Plan Services flat fee generally less than $10,000; Ongoing Financial Planning Services flat fee generally ranges from $100 to $3,000 per quarter
Generally less than $500 per one hour session
Ongoing Financial Planning Services charged quarterly in advance, flat fee generally ranges from $100 to $3,000 per quarter
Fee-only: Hourly rate generally less than $500 per one hour session; Flat fee generally less than $10,000 for an 8-week Plan Services engagement; Flat fee generally ranges from $100 to $3,000 per quarter for Ongoing Financial Planning Services
Location
Phoenix, AZ
Most active in
Cristina P has reported serving >5 clients in these states in the last 12 months.
Arizona · Texas
Work history
Mindful Millions Management PLLC
2025 - Present (1 year)
Endeavor Advisors
2025 - Present (1 year)
Nectarine
2024 - Present (2 years)
Mindful Millions
2023 - 2025 (2 years)
Bayntree Wealth Advisors, LLC
2022 - 2024 (2 years)
Fidelity Investments
2021 - 2022 (1 year)
THE Vanguard Group, Inc.
2018 - 2021 (3 years)
Bitcoin IRA
2018 - 2018 (1 year)
Digital IRA
2018 - 2018 (1 year)
Pavemint LLC
2017 - 2017 (1 year)
Los Angeles Pierce College's Center for Academic Success
2016 - 2017 (1 year)
California State University of Northridge
2012 - 2017 (5 years)
Disclosures
Disclosures include customer complaints, regulatory actions, employment terminations, bankruptcies, and certain legal protections.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
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