Nisiotis, Michael
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
7
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
7
Very LowAverage account size
$0
About
The firm provides personal financial planning, retirement planning, financial education and coaching to individuals, families, small businesses, and organizations that engage its services for employees or members. It operates as a virtual practice serving clients across the United States.
Advisory work centers on a comprehensive financial plan and an Investment Policy that guides goal-setting, time horizons, and portfolio construction; the firm applies both fundamental and technical analysis alongside an emphasis on diversified asset allocation. The firm does not manage client assets or accept investment discretion, providing recommendations for clients to implement through custodians of their choice.
The principal is a licensed insurance agent and may recommend or facilitate insurance products, with any referral or commission arrangements disclosed to clients. The firm also offers public and employer-targeted educational seminars and tailored financial wellness programs and coordinates with CPAs, estate attorneys, and other advisors, extending its services beyond typical individual planning.
Client services
Financial planning
Newsletters or periodicals
Educational seminars or workshops
Expertise
General retirement planning
Income planning
Social Security optimization
Debt management
Cash flow / budgeting
Occupation focus
Self-Employed
Fee options
Flat-rate fees based on number of hours (or fraction thereof) required to meet client needs; all fees are pre-paid at time of booking after initial consultation.
$100 to $150 per hour for financial and retirement planning services; $120 to $150 per hour for financial education and coaching services; billed in 30-minute increments.
Fee-only: Hourly rates range from $100 to $150 per hour for financial and retirement planning services; $120 to $150 per hour for financial education and coaching services.
Main office location
Nisiotis, Michael
Rutherford NJ, United States
Number of offices
1
Most active in
Nisiotis, Michael has reported serving >5 clients in these states in the last 12 months.
New Jersey
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
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 active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
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.
Forms ADV
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