Why NEST Financial’s Minimum Investment Is Changing — And Why It Matters
Minimums. We’ve already talked about what they are, why we use them, and why they matter. In this post, we’re digging into how we set ours at NEST — and why we’re adjusting it in response to a changing economic landscape and our long-term goals for the firm.
A Quick Recap: Why Minimums Exist
Minimums aren’t about exclusivity. They serve three key purposes:
They ensure we can give every NEST client the attention they deserve.
They help cover the cost of managing assets with the level of detail and care we commit to.
They support the sustainable growth of our business so we can serve clients for decades to come.
At NEST Financial, we are not part of a static industry — nor do we aim to be a static firm. We continuously adapt to meet the demands of both the market and the clients we serve. This adaptability is a cornerstone of who we are, and it's why we're changing our minimum.
How We Established Our Current Minimum
Our minimum investment requirement has been $250,000 for the past three years. At a 1% flat fee, that equates to $2,500 per client annually. This minimum allows us to serve a limited number of clients exceptionally well while achieving our business goals. And as you likely know if you’ve worked with Gloria Park, our managing partner and financial planner, we take planning very seriously — including how we manage our own growth as a firm.
Our planning doesn’t just consider our own targets, either. We view the macroeconomic environment — U.S. and global markets, inflation, employment trends, and interest rates — as key data inputs for both your portfolio and our business decisions.
NEST’s New Minimum: $500,000
Starting January 2023, NEST’s minimum investment threshold for new clients will be $500,000. Why this number?
Because it helps us:
Keep our client base limited and personalized
Grow our business sustainably
Stay small enough to deliver customized, boutique-level service
This change supports the same value proposition that has always defined NEST — high-touch service for a select group of committed clients.
Will This Affect Existing Clients?
No. If you’re already a NEST client, this change will not affect you — regardless of your account size.
We remain as committed as ever to your goals and financial growth. This change is about future clients, not the loyal NESTers we already serve.
Why Raise the Minimum?
In short: so we can stay true to our founding values.
You’ve probably seen other firms in this space scale aggressively by adding more and more clients — and losing their personal touch in the process. That’s not the NEST philosophy. We are not built to be a volume-based operation.
We are a boutique financial firm, and we aim to remain one.
Higher minimums allow us to:
Spend more time on each client
Make highly customized financial plans
Actively manage investments with macro-level insight and care
Remain agile and responsive in any market condition
And let’s not forget — our success is tied to yours. When our clients do well, NEST does well. Raising our minimums ensures we can protect and preserve that alignment.
The NEST Difference
From rejecting cookie-cutter approaches like Modern Portfolio Theory to prioritizing authenticity over polish, NEST is different by design. We believe in transparency, not secrecy. Education, not blind trust. Real relationships, not transactions.
And we aren’t afraid to call out industry norms we think do more harm than good — like overreliance on financial media or “advisors” who sell products rather than offer independent, client-first advice.
Our minimums reflect our values — and protect the client experience we work hard to deliver.
Ready to Learn More?
If you're curious about our investment philosophy or how we’d tailor a plan to your unique goals, let’s talk. With nearly 30 years of experience helping individuals, families, and entrepreneurs grow wealth with confidence, we’re here for your financial journey.
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Email us: info@nestfinancial.net
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DISCLAIMER:
The information and opinions shared in this article are for educational purposes only and are not financial planning or investment advice. For personalized guidance, contact us directly.