Why Minimum Investments Matter
Why NEST Financial Has Minimums – And Why That Benefits Everyone
Nothing in life is free. Economists have even coined the term TANSTAAFL — There’s No Such Thing as a Free Lunch.
If you get something, you're paying for it one way or another.
This principle applies directly to financial advising and investment management services. Contrary to what eager candidates for your business might suggest, no financial advisor works for free. We covered advisor compensation models extensively in our post on The Value of Working With a Financial Advisor.
At NEST, our investment management services are 100% fee-based. We charge a flat fee of 1% based on assets under management.
This model aligns our growth with yours — if you succeed, so do we. And because we are committed to operating as a boutique, personalized financial firm, we have minimum investment thresholds in place.
Let’s get into why we have minimums, what they are, and how they benefit both you and NEST.
What Are Minimums?
Minimums are the minimum amount of investable assets needed to qualify for investment management services.
At NEST, our minimum is $250,000. This number is based on the resources required to deliver the level of service and expertise that sets us apart.
Other firms have minimums too, sometimes as low as $25,000, sometimes much higher.
The minimum is not arbitrary — it ensures that managing your account is economically viable for both parties.
Why Does NEST Have a Minimum?
Our minimum helps maintain the personalized, boutique level of service that defines NEST.
Here’s the basic math:
At a minimum of $100,000, we would need 1,000 clients to generate $1 million in annual revenue at a 1% fee.
At a minimum of $250,000, we would need only 400 clients to generate the same revenue.
These numbers are illustrative, but the point remains: fewer clients equals more attention per client.
This allows us to truly know each NESTer’s name, goals, dreams, and challenges. It allows us to stay small, stay local, and stay committed to our core values.
We are not trying to be a massive firm. We are focused on offering strategic, tailored financial management.
How Minimums Benefit NEST Clients
Simple: more time, more attention, better results.
More frequent strategy sessions
More detailed portfolio reviews
More goal alignment discussions
More proactive financial education
Faster responses to questions
Fewer clients means you are never just a number at NEST.
You are a valued partner in a long-term financial relationship.
How Minimums Benefit NEST
We are not a "set-it-and-forget-it" shop.
At NEST, we actively manage our investment portfolios based on real macroeconomic data. We reject the lazy mentality of outdated models like Modern Portfolio Theory.
Actively monitoring and adjusting investments daily requires time and focus.
Keeping our client roster limited allows us to do just that — ensuring we help maximize growth and minimize risk.
When you grow, we grow.
That alignment of incentives is not just good business — it is the NEST way.
If You Are Already a NESTer
You know that your goals are our goals.
If you ever have questions about your account, market conditions, or our strategies, do not hesitate to reach out.
If You Are Considering Joining the NEST Family
Why not schedule a no-obligation call with us?
Let’s discuss how we can help you achieve your financial goals — strategically, personally, and with nearly 30 years of real-world experience behind every decision we make.
Schedule your call here:
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info@nestfinancial.net
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DISCLAIMER:
We are legally obligated to remind you that the information and opinions shared in this article are for educational purposes only and do not constitute financial planning or investment advice.
For personalized advice, please contact info@nestfinancial.net.