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# nVest Advisors

Financial Freedom | Colorado Springs, CO

## Sitemaps

- [XML Sitemap](https://nvestadvisors.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Your 401(k) Plan Is Compliant. Why That Is Not the Same as Being Protected](https://nvestadvisors.com/your-401k-plan-is-compliant-why-that-is-not-the-same-as-being-protected/) - Is your 401(k) truly protected? Learn why compliance alone isn't enough and how hidden fees, fiduciary risks, and poor plan design can cost employers.
- [The 401(k) Decision HR Is Making Without Realizing It](https://nvestadvisors.com/the-401k-decision-hr-is-making-without-realizing-it/) - 401(k) decisions HR makes on defaults can shape employee outcomes. Learn how to optimize enrollment, investments, and education.
- [The 401(k) Problems Employers Don’t Notice Until They Become Expensive](https://nvestadvisors.com/the-401k-problems-employers-dont-notice-until-they-become-expensive/) - Discover hidden 401(k) risks, excessive fees, outdated defaults, and fiduciary gaps that could cost employers millions and how to fix them proactively.
- [403(b), 457 and 401(a) Plans](https://nvestadvisors.com/403b-457-and-401a-plans/) - 403(b) Plan Guidance A plan that looks simple on the surface, but quietly shapes outcomes through decisions most people never revisit A 403(b) plan is often introduced as a retirement savings plan for professionals in education, healthcare, and nonprofit organizations, where contributions are made consistently and grow over time on a tax-deferred basis. At a
- [Teacher Retirement System of Texas (TRS) Pension Strategy](https://nvestadvisors.com/teacher-retirement-system-of-texas-trs-pension-strategy/) - Maximize your Teacher Retirement System of Texas pension. Optimize timing, benefits, and strategy with expert guidance from nVest Advisors.
- [457 Plan Guidance](https://nvestadvisors.com/457-plan-guidance/) - 457 Plan guidance beyond basics. Learn to use its flexibility for early access, tax-efficient withdrawals, and smarter retirement strategy with nVest Advisors.
- [SIMPLE IRA and SEP IRA Strategy](https://nvestadvisors.com/simple-ira-and-sep-ira-strategy/) - SEP IRA vs SIMPLE IRA strategy explained. Learn key differences, limits, and how to integrate both into a smarter retirement plan.
- [403(b) Plan Guidance](https://nvestadvisors.com/403b-plan-guidance/) - Your 403(b) plan could be working harder. Uncover blind spots and optimize performance with a complimentary nVest Advisors review.
- [401(a) Plan Guidance](https://nvestadvisors.com/401a-plan-guidance/) - Understand how your 401(a) shapes your financial strategy, avoid key pitfalls, and optimize it with a complimentary nVest Advisors review.
- [When Job Security Feels Fragile With The Recent Layoffs](https://nvestadvisors.com/when-job-security-feels-fragile-with-the-recent-layoffs/) - Job security feels uncertain amid layoffs. Learn how to protect your finances, manage risk, and build a more resilient long-term strategy.
- [nVest Advisors Recognized as “Best of 2026” Among Financial Advisors in Colorado](https://nvestadvisors.com/nvest-advisors-recognized-as-best-of-2026-among-financial-advisors-in-colorado/) - Trusted Financial Advisors in Colorado helping clients with investment management, financial planning, and long-term wealth strategies.
- [401(k) Contribution Limits Explained: What Changed for 2025–2026](https://nvestadvisors.com/401k-contribution-limits-explained-what-changed-for-2025-2026/) - 401(k) contribution limits for 2025–2026 explained. See new IRS limits, catch-up rules, Roth changes, and how to maximize your retirement savings.
- [Why “side hustles from home” matter right now](https://nvestadvisors.com/why-side-hustles-from-home-matter-right-now/) - Why side hustles from home matter in 2025: reduce job risk, build income resilience, and create long-term financial flexibility in an uncertain economy.
- [Everything You Need to Know About Roth IRA Contribution Limits (2025–2026)](https://nvestadvisors.com/everything-you-need-to-know-about-roth-ira-contribution-limits-2025-2026/) - Roth IRA contribution limits for 2025–2026: updated income phase-outs, catch-up amounts, deadlines, and smart tax planning tips explained clearly.
- [Happy New Year From nVest Advisors!](https://nvestadvisors.com/happy-new-year-from-nvest-advisors/) - Happy New Year! We are changing things up a bit here at nVest this year, and I wanted to start by introducing you to the first major change: a quarterly letter from me (the CEO and for most of you, your primary financial advisor) that will be more substantive and (I hope) provide a clear picture of
- [How to Save Money from Your Paycheck: Top Tips to Survive a Recession](https://nvestadvisors.com/how-to-save-money-from-your-paycheck-top-tips-to-survive-a-recession/) - Learn how to save money from your paycheck, protect income, and build financial resilience with practical tips and strategies.
- [When the Word Job  Loss Feels Closer Than You Think](https://nvestadvisors.com/when-the-word-job-loss-feels-closer-than-you-think/) - Concerned about job loss? Discover early warning signs, financial planning tips, and long-term strategies to stay secure in a changing job market.
- [Financial Aid and Scholarships: A Guide for Families](https://nvestadvisors.com/financial-aid-and-scholarships-a-guide-for-families/) - Confused about financial aid and scholarships in 2025? Learn how to plan smarter, apply early, and fund college without the overwhelm.
- [Wealth-Building for Non-Accredited Investors](https://nvestadvisors.com/wealth-building-for-non-accredited-investors/) - Discover how non-accredited investors can build wealth through modern investing options, risks to watch, and smart planning.
- [The Rise of ESG Funds: Balancing Profit with Purpose](https://nvestadvisors.com/the-rise-of-esg-funds-balancing-profit-with-purpose/) - Learn how ESG funds balance profit with purpose, their performance realities, risks, and how to invest wisely without chasing trends.
- [How to Rebuild Credit After Default or Bankruptcy](https://nvestadvisors.com/how-to-rebuild-credit-after-default-or-bankruptcy-2/) - Learn how to rebuild credit after default or bankruptcy using clear steps, stability-first planning, and strategies that actually work in real life.
- [Micro-Investing and Financial Literacy: How Small Decisions Build Lifelong Wealth](https://nvestadvisors.com/micro-investing-and-financial-literacy-how-small-decisions-build-lifelong-wealth/) - Learn how micro-investing and financial literacy turn small steps into lifelong wealth, with strategies to build stability, confidence, and long-term growth.
- [How Much Do I Need to Retire?](https://nvestadvisors.com/how-much-do-i-need-to-retire/) - Wondering how much do I need to retire? Learn how lifestyle, health, savings, and smart planning shape the retirement you truly want.
- [How Buy Now Pay Later (BNPL) Is Reshaping Personal Finance](https://nvestadvisors.com/how-buy-now-pay-later-bnpl-is-reshaping-personal-finance/) - Explore how Buy Now Pay Later is reshaping personal finance in 2025, with insights on benefits, risks, and smarter ways to use it.
- [Importance of Financial Wellness](https://nvestadvisors.com/importance-of-financial-wellness/) - Discover the pillars of financial wellness and how nVest Advisors helps you build clarity, stability, and confidence for your financial future.
- [Cash Flow & Budgeting](https://nvestadvisors.com/cash-flow-budgeting/) - Expert Cash Flow & Budgeting guidance to help you gain clarity, reduce stress, and align your finances with your goals through online consultations.
- [Life Insurance](https://nvestadvisors.com/life-insurance/) - Discover life insurance that truly protects your family, business, and future goals with strategies tailored to your real-life needs.
- [Debt & Credit](https://nvestadvisors.com/debt-credit/) - Learn how to manage debt & credit strategically to reduce stress, protect your credit, and leverage borrowing for financial growth.
- [Financial Planning the nVest Way](https://nvestadvisors.com/financial-planning-the-nvest-way/) - nVest Advisors offers affordable, personalized financial planning to help families and business owners achieve goals and build lasting wealth.
- [Investment Management at nVest Advisors](https://nvestadvisors.com/investment-management-at-nvest-advisors/) - Discover nVest Advisors’ disciplined investment management philosophy. Low costs, risk-aware strategies, and fiduciary guidance for lasting wealth.
- [Comprehensive Asset Protection Strategies for Business Owners and Individuals](https://nvestadvisors.com/comprehensive-asset-protection-strategies-for-business-owners-and-individuals/) - Protect what you’ve built. nVest Advisors provides proven asset protection strategies to secure your future with confidence.
- [Tax Planning at nVest Advisors](https://nvestadvisors.com/tax-planning-at-nvest-advisors/) - Learn how smart tax planning can protect your wealth, reduce liabilities, and help you build long-term financial security with nVest Advisors.
- [Estate Planning at nVest Advisors](https://nvestadvisors.com/estate-planning-at-nvest-advisors/) - Estate planning is essential at every life stage. Protect loved ones, secure your legacy, and gain peace of mind with nVest Advisors.
- [The Benefits of Partnering with nVest Advisors](https://nvestadvisors.com/the-benefits-of-partnering-with-nvest-advisors/) - Partner with nVest Advisors for personalized financial planning, fiduciary guidance, and wealth management tailored to your goals and life milestones.
- [Savings for College 101: 529 Plan and Other Options](https://nvestadvisors.com/savings-for-college-101-529-plan-and-other-options/) - Explore how a 529 plan compares to other college savings tools, with real numbers, updated 2025 rules, and practical strategies for families.
- [How Debt-to-Income Ratio Affects Your Mortgage Approval](https://nvestadvisors.com/how-debt-to-income-ratio-affects-your-mortgage-approval/) - Learn how your debt-to-income ratio affects mortgage approval and discover smart ways to improve it before applying for a home loan.
- [What Is a Fiduciary Financial Advisor and Why It Matters](https://nvestadvisors.com/what-is-a-fiduciary-financial-advisor-and-why-it-matters/) - Discover what a fiduciary financial advisor truly is, why it matters, and how to choose one who always puts your best interests first
- [The Ultimate Family Financial Planning Checklist](https://nvestadvisors.com/the-ultimate-family-financial-planning-checklist/) - Discover the ultimate family financial planning guide to secure your future. Learn budgeting, investing, and saving strategies for long-term stability.
- [What Is A Safe Harbor 401(k)?](https://nvestadvisors.com/what-is-a-safe-harbor-401k/) - Safe Harbor 401(k) simplifies compliance, avoids IRS testing, and ensures fair retirement benefits for your team. A smart move for growing businesses.
- [What Impacts Your Car Insurance Cost?](https://nvestadvisors.com/what-impacts-your-car-insurance-cost/) - Discover what really impacts your car insurance cost in 2025, from credit score to car tech, and learn smart ways to lower your premium.
- [How to Create a Diversified Portfolio with Low-Risk Investments](https://nvestadvisors.com/how-to-create-a-diversified-portfolio-with-low-risk-investments/) - Learn how to create a diversified portfolio with low-risk investments to reduce risk and achieve long-term growth. Expert insights on allocation strategies.
- [Smart Ways to Lower Your Car Insurance Cost](https://nvestadvisors.com/smart-ways-to-lower-your-car-insurance-cost/) - Smart ways to lower your car insurance cost without sacrificing coverage. Save money with expert tips on deductibles, discounts, and policy bundles.
- [Accredited Investors : What You Need to Know](https://nvestadvisors.com/accredited-investors-what-you-need-to-know/) - Learn about Accredited Investors, their qualifications, and exclusive investment opportunities. Get expert guidance from nVest Advisors
- [Small Business Taxes and Deductions You Shouldn't Miss](https://nvestadvisors.com/small-business-taxes-and-deductions-you-shouldnt-miss/) - Learn about essential small business taxes deductions and strategies to reduce your tax burden, including home office, QBI, and more with nVest Advisors.
- [What Is Tax Form 5498 and Why It Arrives After Tax Day](https://nvestadvisors.com/what-is-tax-form-5498/) - Learn about Tax Form 5498, its purpose, and how it affects your retirement accounts, including contributions, rollovers, RMDs, and more with nVest Advisors
- [Understanding Common Types of Bias in Investing](https://nvestadvisors.com/understanding-common-types-of-bias-in-investing/) - Explore the common types of bias in investing and learn how to recognize and overcome them for smarter, more confident financial decisions.
- [Mental Accounting: The Hidden Bias in Financial Decisions](https://nvestadvisors.com/mental-accounting-the-hidden-bias-in-financial-decisions/) - Discover how mental accounting distorts financial decisions and learn strategies to overcome this bias for smarter money management.
- [What Are Tariffs and How Do They Impact the Economy?](https://nvestadvisors.com/what-are-tariffs-and-how-do-they-impact-the-economy/) - What are tariffs and how do they impact the economy? Explore their effects on trade, inflation, jobs, and global markets in this in-depth analysis
- [Loss Aversion: How to Minimize Its Risks](https://nvestadvisors.com/loss-aversion-how-to-minimize-its-risks/) - Overcome loss aversion with smart investing. Learn how to manage risk, stay focused on long-term gains, and make confident decisions with expert guidance.
- [Understanding the Causes and Effects of Inflation](https://nvestadvisors.com/understanding-the-causes-and-effects-of-inflation/) - Discover the causes & effects of inflation, how it impacts savings, spending & retirement, and strategies to protect your finances.
- [nVest Advisors featured on the Good Neighbor Podcast](https://nvestadvisors.com/nvest-advisors-featured-on-the-good-neighbor-podcast/) - nVest Advisors featured on the Good Neighbor Podcast In March, nVest Advisors CEO Jeremy Torgerson was featured on the Good Neighbor Podcast, and we are happy to share that podcast with our clients. In the podcast, Jeremy discusses the beginnings of our firm, why we have always been committed to working with small businesses and
- [Shaping Our Future Together: The nVest Advisors Client Advisory Group](https://nvestadvisors.com/shaping-our-future-together-the-nvest-advisors-client-advisory-group/) - Shaping Our Future Together: The nVest Advisors Client Advisory Group We're excited to announce the launch of our Client Advisory Group, a new initiative designed to strengthen our partnership with you, our valued clients, and ensure we continue to meet and exceed your expectations. At nVest Advisors, a true commitment to client happiness is much
- [Cryptocurrency Markets Update: Trends & Insights](https://nvestadvisors.com/cryptocurrency-markets-update/) - Stay updated on cryptocurrency markets with insights on trends, liquidity, and economic impact. Learn how to navigate volatility and protect your investments.
- [Why Your Family Budget Feels Tighter Than It Did 4 Years Ago](https://nvestadvisors.com/why-your-family-budget-feels-tighter-than-it-did-4-years-ago/) - Struggling with a tighter family budget? Learn why rising costs, stagnant wages, and inflation are squeezing finances, and how to adapt. Read more now
- [What Is a Credit Report? Your Personal and Family Guide](https://nvestadvisors.com/what-is-a-credit-report/) - What is a credit report? Learn how it affects your financial future and how nVest Advisors can help you improve credit health and secure better opportunities. 4o
- [Tax Preparation Checklist For Small Businesses](https://nvestadvisors.com/tax-preparation-checklist-for-small-businesses/) - Tax Preparation Checklist For Small Businesses Tax season can be overwhelming for small business owners, but having a clear tax preparation checklist can help you stay organized, avoid penalties, and maximize deductions. With changing tax regulations and evolving financial challenges, preparing early and correctly is more critical than ever. This guide provides a practical, research-backed
- [Staying in our lane](https://nvestadvisors.com/staying-in-our-lane/) - A message from nVest Advisors CEO Jeremy Torgerson: Note: we originally published this post in May of 2023, but feel it is important to reiterate now. Poltical and social issues are important, but relationships matter more. More and more often, we are seeing companies needlessly step into the middle of inflammatory and polarizing social and
- [Staying in our lane](https://nvestadvisors.com/staying-in-our-lane-2/) - A message from nVest Advisors CEO Jeremy Torgerson: Note: this post was originally published May 19, 2023. We feel it is important to revisit now. More and more often, we are seeing companies needlessly step into the middle of inflammatory and polarizing social and political disagreements and "take a side". This is done nearly always
- [Protecting Your Family from Financial Scams](https://nvestadvisors.com/protecting-your-family-from-financial-scams/) - Protect your family from financial scams with awareness and proactive measures. Learn how to spot fraud, secure accounts, and stay ahead of emerging threats.
- [Understanding the Sunk Cost Fallacy: Why It Matters in Financial Decision-Making](https://nvestadvisors.com/understanding-the-sunk-cost-fallacy/) - Avoid the sunk cost fallacy and make smarter financial decisions. Learn how to cut losses, focus on future gains, and maximize your financial success.
- [Business Budgets: A Step-by-Step Guide to Set Up](https://nvestadvisors.com/business-budget-a-step-by-step-guide-to-set-up/) - Learn how to set up a business budget to manage cash flow, cut costs, and boost profits. Follow this practical guide to keep your business financially secure.
- [The Social Security Fairness Act of 2025](https://nvestadvisors.com/social-security-fairness-act/) - Discover everything you need to know about the social security fairness act 2025 and how it impacts public servants, small businesses, and retirement planning.
- [DeepSeek vs ChatGPT: AI’s Financial Impact Explained](https://nvestadvisors.com/deepseek-vs-ai-rivalry-a-financial-advisors-perspective-on-the-impact-of-deepseek-and-chatgpt/) - Explore the rivalry between DeepSeek a ChatGPT, its impact on AI investments, stock markets, and how financial advisors can help you navigate the future of AI.
- [Understanding the 2025 tax brackets](https://nvestadvisors.com/understanding-the-2025-tax-brackets/) - Learn about the updated 2025 tax brackets, deductions, credits, and planning tips to maximize your tax benefits this season.
- [Top Budgeting Tips for Families to Build a Stronger Financial Future](https://nvestadvisors.com/budgeting-tips-for-families/) - Discover practical budgeting tips for families to reduce stress, save money, and build a secure future. Create a family budget that works for you!
- [Why Emergency Funds Are a Financial Lifesaver](https://nvestadvisors.com/why-emergency-funds-are-a-financial-lifesaver/) - Emergency funds provide financial security during unexpected events, helping you avoid debt. Learn how to build and manage your emergency savings effectively.
- [Common Tax Mistakes Families Make and How to Avoid Them](https://nvestadvisors.com/common-tax-mistakes-families-make-and-how-to-avoid-them/) - Common Tax Mistakes Families Make and How to Avoid Them Tax season can be stressful, especially for families. While it’s easy to overlook small details, these common tax mistakes can lead to significant financial consequences, whether it’s overpaying, missing deductions, or even getting audited. But with the right knowledge and preparation, families can avoid these
- [Common Tax Mistakes to Avoid as a Small Business Owner](https://nvestadvisors.com/common-tax-mistakes-to-avoid-as-a-small-business-owner/) - Common Tax Mistakes to Avoid as a Small Business Owner For small business owners, filing taxes can feel like navigating a minefield, with even higher stakes due to the increased risks and potential penalties. Even the smallest tax mistakes can lead to costly penalties, audits, or worse, legal challenges. Navigating tax season effectively without making
- [Navigating Rising Homeownership Costs in Colorado](https://nvestadvisors.com/rising-homeownership-costs/) - Facing rising homeownership costs in Colorado? Learn how to overcome the challenges and make the dream of owning a home a reality with expert guidance.
- [Weathering the Storm: Job Security and Economic Downturns](https://nvestadvisors.com/weathering-the-storm-job-security-and-economic-downturns/) - Prepare for job loss during economic downturns. Learn key strategies from a fiduciary financial advisor to protect your finances and secure your future.
- [Small Business Owners: Fiduciary Responsibilities and the Power of Outsourcing](https://nvestadvisors.com/small-business-owners-fiduciary-responsibilities/) - Discover how to meet your fiduciary responsibilities as a small business owner and protect your company’s retirement plan with expert guidance.
- [Top 10 New Year Financial Resolutions For a Stronger Financial Future](https://nvestadvisors.com/top-10-new-year-financial-resolutions/) - Start the year strong with top financial resolutions! Take control of your money, set clear goals, and build a secure future. Read more for expert tips.
- [Top 10 Financial Tips for Small Business Owners](https://nvestadvisors.com/financial-tips-for-small-business-owners/) - Top 10 financial tips for small business owners to manage cash flow, plan for growth, and achieve long-term success. Expert advice included!
- [Feeling Uncertain About Your Financial Future? Here's How nVest Advisors Can Help](https://nvestadvisors.com/secure-your-financial-future/) - Take control of your financial future! nVest Advisors provides personalized strategies to secure lasting wealth. Book your free consultation today!
- [Holiday Hours 2024](https://nvestadvisors.com/holiday-hours-2024/) - Holiday Hours 2024 Merry Christmas, Happy Hanukkah, and Happy New Year! Our holiday hours are: Tuesday, December 24 - CLOSED to Appointments Wednesday, December 25 - CLOSED Tuesday, December 31 - Closed to Appointments Wednesday, January 1 - CLOSED Last-minute client trading and withdrawal needs will be honored as best we are able to, but
- [Top 10 Features Employees Want in their Workplace Retirement Plan](https://nvestadvisors.com/0-features-employees-want-in-their-workplace-retirement-plan/) - Top 10 features employees expect in a workplace retirement plan, and see how nVest Advisors helps you create the ideal, budget-friendly solution for your team.
- [SOUTH TEXAS CLIENTS: Schedule In-Person Meetings Nov 1-6](https://nvestadvisors.com/south-texas-clients-schedule-in-person-meetings-nov-1-6/) - Meet with nVest financial advisor in Harlingen, TX, November 1-6. Schedule your in-person meeting now for personalized financial guidance before 2025.
- [401k Fiduciary Responsibility: What Employers Must Know](https://nvestadvisors.com/401k-fiduciary-responsibility-for-employers/) - Ensure your company’s 401k fiduciary responsibility is upheld to safeguard employee interests, minimize legal risks, and effectively manage retirement plans.
- [Small RIAs Are Better Choice for Small Business 401(k) Plans](https://nvestadvisors.com/small-business-401k-plans/) - Explore personalized small business 401(k) plans with expert guidance and direct access to decision-makers. Enjoy tailored solutions for your team’s future.
- [Maximizing Your 401(k): Avoid Penalties, Smart Rollovers & Free Consultation](https://nvestadvisors.com/maximizing-your-401k-avoid-penalties-smart-rollovers-free-consultation/) - Maximizing Your 401(k): Navigating Penalties, Rollovers, and Financial Planning During Uncertain TimesThe Importance of 401(k) Management in Uncertain Times Managing your 401(k) effectively has never been more crucial in an ever-changing economic landscape. With talk of recessions and the looming threat of layoffs, securing your financial future requires careful planning and informed decision-making. Whether you’re Discover how to optimize your 401(k) amidst recession fears. Learn about withdrawal penalties, IRA rollovers, and get a free consultation with Jeremy Torgerson at nVest Advisors. Secure your financial future today.
- [Navigating 401(k) Plans in Uncertain Times: Taxes, Risks, and Rollovers](https://nvestadvisors.com/navigating-401k-plans-in-uncertain-times-taxes-risks-and-rollovers/) - Navigating 401(k) Plans in Uncertain Times: Taxes, Risks, and RolloversNavigating 401(k) Strategies During Economic Uncertainty As economic uncertainty looms, many investors find themselves grappling with the implications of market downturns, potential company bankruptcies, and the risks associated with their retirement funds. With the volatility of financial markets, especially during recessions, it’s crucial to reassess your
- [5 Common Retirement Planning Mistakes for Texas Teachers](https://nvestadvisors.com/5-common-retirement-planning-mistakes-for-texas-teachers/) - Texas teachers must plan for a secure retirement. This article outlines five retirement planning mistakes & practical tips to help educators make decisions.
- [Economics: Letting world events guide our investing](https://nvestadvisors.com/economics-letting-world-events-guide-our-investing/) - Economics: Letting world events guide our investing - nVest AdvisorsnVest AdvisorsSeptember 13, 2026 2024 Financial Freedom | Colorado Springs, CO September - -
- [Empower Your Employees, Strengthen Your Business: A Guide to Small Business Retirement Plans](https://nvestadvisors.com/empower-your-employees-strengthen-your-business-a-guide-to-small-business-retirement-plans/) - Business StoriesEmpower Your Employees, Strengthen Your Business: A Guide to Small Business Retirement Plans 2024 nVest Advisors September April 23, 2024
- [Weekly Market & Economic nSight | March 11, 2024](https://nvestadvisors.com/economic-update-03-11-2024/) - nVest Advisors March https://nvestadvisors.com/economic-update-03-11-2024/ - - nVest Advisors Financial Freedom | Colorado Springs, CO
- [Weekly Market & Economic nSight | February 19, 2024](https://nvestadvisors.com/economic-update-02-19-24/) - https://nvestadvisors.com/economic-update-02-19-24/ February 19, 2024 Business StoriesFinancial Freedom | Colorado Springs, CO
- [Office Hours for Good Friday & Easter](https://nvestadvisors.com/office-hours-for-good-friday-easter/) - September 13, 2026 - March 22, 2024 https://nvestadvisors.com/office-hours-for-good-friday-easter/ - Office Hours for Good Friday & Easter
- [Now Serving Clients in Utah](https://nvestadvisors.com/now-serving-clients-in-utah/) - Business Stories https://nvestadvisors.com/now-serving-clients-in-utah/ - January 29, 2024 Now Serving Clients in Utah
- [Weekly Market & Economic nSight | March 18, 2024](https://nvestadvisors.com/economic-update-9/) - September 13, 2026 Business Stories nVest Advisors - https://nvestadvisors.com/economic-update-9/
- [Beware Scams at Tax Time](https://nvestadvisors.com/beware-scams-at-tax-time/) - Business Stories https://nvestadvisors.com/beware-scams-at-tax-time/ January 25, 2024 nVest Advisors nVest Advisors
- [Weekly Market & Economic nSight | January 29, 2024](https://nvestadvisors.com/economic-update-01-29-24/) - https://nvestadvisors.com/economic-update-01-29-24/ - nVest Advisors January 29, 2024 Business Stories -
- [Communicating with you better in 2024](https://nvestadvisors.com/client-communication/) - Business Stories https://nvestadvisors.com/client-communication/ January 29, 2024 nVest Advisors nVest Advisors - -
- [Weekly Market & Economic nSight | February 5, 2024](https://nvestadvisors.com/economic-update-01-29-24-2/) - https://nvestadvisors.com/economic-update-01-29-24-2/ Business Stories February 5, 2024 nVest Advisors nVest Advisors
- [CLIENTS: How to stop our emails from going to Spam](https://nvestadvisors.com/clients-how-to-stop-our-emails-from-going-to-spam/) - Client News February 20, 2024 - CLIENTS: How to stop our emails from going to Spam nVest Advisors nVest Advisors Financial Freedom | Colorado Springs, CO
- [Weekly Market & Economic nSight | February 26, 2024](https://nvestadvisors.com/economic-update-02-16-2024/) - Business Stories September 2026 Weekly Market & Economic nSight | February 26, 2024Advisors https://nvestadvisors.com/economic-update-02-16-2024/
- [Weekly Market & Economic nSight | March 4, 2024](https://nvestadvisors.com/economic-update-03-04-2024/) - https://nvestadvisors.com/economic-update-03-04-2024/ Business Stories September 13, 2026 - - - Weekly Market & Economic nSight | March 4, 2024
- [Important Tax Dates for clients using Betterment](https://nvestadvisors.com/important-tax-dates-for-clients-using-betterment/) - For our clients using Betterment as an account custodian, please take note of the following announced tax dates and helpful links that have been provided to us from Betterment: We know tax season is one of the busiest times of the year, so we want to keep you informed on important dates and information that
- [Important Client Alert - Bitcoin and Recessions](https://nvestadvisors.com/q1-investment-models/) - From CEO & CIO Jeremy Torgerson: Hello nVest Advisors clients- We hope you have all enjoyed the holiday season and entered 2024 happy, healthy, and surrounded by family and friends. We are watching several developments that we believe will impact the creation of our investment models for 2024. Although our macroeconomic research and analysis strongly
- [From Jeremy Torgerson, CEO to our clients](https://nvestadvisors.com/from-jeremy-torgerson-ceo-to-our-clients/) - Happy New Year! I wanted to take a moment today to thank you for your faith and confidence in the work we do at nVest Advisors to be your choice to meet your financial planning and investing needs. The last few years have given us all so many challenges, particularly in the wake of the
- [2023 Wrap-Up](https://nvestadvisors.com/2023-wrap-up/) - Happy Holidays from nVest Advisors! We hope all of our "family" of clients have a safe, happy, and healthy holiday season, and we look forward to serving you in bigger and better ways in 2024! A few last-minute reminders for our clients as the year winds down: Office Hours Our office is CLOSED to appointments
- [Weekly Economic nSight | December 4, 2023](https://nvestadvisors.com/economic-update-12-04-2023/) - Good morning! It's been a month since we last published an economic update due to a number of interruptions to our normal posting schedule in November, including the Thanksgiving holiday and an anniversary trip to Costa Rica. There were not many major changes to the trajectory of the main economic indicators during the month, either,
- [Year-End and Holiday Updates](https://nvestadvisors.com/year-end-and-holiday-updates-2023/) - We hope everyone is kicking off the holiday season with a great Thanksgiving, and that you enjoy all of the blessings of the Holiday season over the next few weeks. As we close out 2023, we wanted to make sure our clients remembered these important year-end financial and investing items: Clients over the age of
- [Weekly Economic nSight: October 30, 2023](https://nvestadvisors.com/economic-update-10-30-23/) - Good morning and Happy Halloween! We continue to monitor the escalating conflict in the Middle East as a potentially serious impact on global macroeconomic events in the coming weeks. Despite rising resistance to the scale of Israel's response to the terror attacks earlier this month, the statements from the military and political leadership in Israel
- [Weekly Economic nSight: October 23, 2023](https://nvestadvisors.com/economic-update-10-23/) - Good morning and happy Monday! The growing conflict in the Middle East continues to add pressure to an otherwise strained economic outlook for the United States and several other nations. We pray for a peaceful resolution to this conflict. Now, let's get on with economic indicators for last week: Because nearly all of our investment
- [Scaling Financial Peaks: Your Path to Wealth](https://nvestadvisors.com/scaling-financial-peaks-your-path-to-wealth/) - Here in our company headquarters in Colorado Springs, Colorado, the Rocky Mountains loom large in our western sky. Pike's Peak, made famous as the place from which Katherine Lee Bates wrote the poem that became "America the Beautiful"in 1895, dominates the landscape of our area. Needless to say, hiking, camping, skiing, and just admiring these
- [Now accepting clients in Kansas!](https://nvestadvisors.com/now-accepting-clients-in-kansas/) - We're pleased to announce that as of October 12, 2023, nVest Advisors' registration in the State of Kansas has been approved, expanding our firm beyond its current registrations in Colorado and Texas. We also serve clients in a variety of states under a de minimis exemption and are presently working with the regulators in the
- [Weekly Economic nSight: October 16, 2023](https://nvestadvisors.com/economic-update-10/) - Good morning and happy Monday! The ongoing conflict in the Middle East is causing significant economic damage to the area, but the human toll is the one we should always keep in our hearts and minds. War is hell; we grieve for the many innocent people on both sides who will suffer because of it
- [ANNOUNCEMENT: UPDATED CLIENT AGREEMENTS ARE ON THE WAY](https://nvestadvisors.com/announcement-updated-client-agreements-are-on-the-way/) - Hello nVest Advisors clients: We thank you for your continued faith and trust as we navigate the current economic challenges and prepare for great days ahead! For sure, there have been a lot of changes around the economy, the markets, and the financial industry in particular, over the past year or two. Our firm is
- [Company Update | Other-Than-Annual Disclosure Notice | September 2023](https://nvestadvisors.com/company-update-required-annual-disclosure-notice-2-2/) - Hello nVest Clients: Once per year, or more often if there is a material change in the company, we are required to provide our clients access to the most recent versions of our public disclosure documents. We are required to update these forms and notify you of a material change in our company: Our office
- [Company Update - Other-Than-Annual Disclosure Notice](https://nvestadvisors.com/company-update-required-annual-disclosure-notice-2/) - Hello nVest Clients: Once per year, or more often if there is a material change in the company, we are required to provide our clients access to the most recent versions of our public disclosure documents. We are required to update these forms and notify you of a material change in our company: Our office
- [Company Update - Required Annual Disclosure Notice](https://nvestadvisors.com/company-update-required-annual-disclosure-notice/) - Hello nVest Clients: Once per year, or more often if there is a material change in the company, we are required to provide our clients access to the most recent versions of our public disclosure documents. You can always access the most recent versions of these reports on our Disclosures page at any time, but
- [Weekly Economic nSight: September 18, 2023](https://nvestadvisors.com/economic-update-8/) - Good morning and happy Monday! We had a busy week of economic information last week, so there is a lot to discuss. We also want to let you know of some changes in this blog's format starting in October. As the economy worsens, it is important for investors to look not only at economic data
- [Shopping your 401k plan for success](https://nvestadvisors.com/small-business-401k-fiduciary/) - Small business owners wear many hats, from managing day-to-day operations to making critical financial decisions. Among these responsibilities, overseeing a 401(k) retirement plan for employees often takes a back seat. However, a 401(k) plan is a crucial component of a competitive benefits package that can help attract and retain top talent. As a small business
- [Demystifying the Stock Market: Origins, Mechanics & Common Misconceptions](https://nvestadvisors.com/stock-market-origins-misconceptions/) - One of the many questions we get from clients and prospective clients is, how does the stock market work? The stock market is a complex and fascinating ecosystem that plays a crucial role in our modern economy. For many, it's a symbol of wealth, power, and opportunity, and if you have any kind of workplace retirement
- [NEWS UPDATE: Colorado Springs Office is temporarily closed](https://nvestadvisors.com/news-update-colorado-springs-office-is-temporarily-closed/) - A major underground fire in downtown Colorado Springs has affected our operations this morning and we are operating remotely in accordance with our disaster recovery policies. At approximately 2:30 this morning, a large fire broke out in the underground utility corridor in the block adjacent to our office location, which resulted in the loss of
- [Weekly Economic nSight: September 11, 2023](https://nvestadvisors.com/economic-update-7-2/) - Our Economic nSight articles are typically written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. It is copyrighted and may not be republished in whole
- [Weekly Economic nSight: August 28, 2023](https://nvestadvisors.com/economic-update-7/) - Our Economic nSight articles are typically written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. It is copyrighted and may not be republished in whole
- [August Client Alerts](https://nvestadvisors.com/august-client-alerts/) - Happy (almost) Autumn! We hope you're enjoying these final summer days! As we head toward the end of August, clients and 401k plan participants, please note the following alerts and notifications: Service Hours U.S. investment markets, banks, and government offices are closed on Monday, September 4 in observance of Labor Day. Our office is also
- [7 economic indicators you should know as a small business owner](https://nvestadvisors.com/7-economic-indicators-small-business/) - As a dedicated small business owner, it’s vital to keep your finger on the pulse of the economy. Economic indicators offer valuable insights into the current (and upcoming) economic landscape, helping you steer your business in the right direction and avoid costly mistakes like trying to expand just as the economy recedes, or missing out
- [Weekly Economic nSight: August 21, 2023](https://nvestadvisors.com/economic-update-6/)
- [A dozen ways to survive a potential job loss](https://nvestadvisors.com/recession-job-loss-survive/) - In times of economic uncertainty, facing unemployment can be a daunting challenge. However, it's important to remember that every challenge presents an opportunity for growth and resilience. As a trusted financial advisor for families for over 15 years, we're here to guide you through this journey and provide you with a hopeful way to handle
- [Weekly Economic nSight: August 14, 2023](https://nvestadvisors.com/economic-update-5/)
- [Navigating the emotional maze as an investor](https://nvestadvisors.com/behavioral-finance-investor-maze/) - Investing can be a rewarding journey toward financial growth and security, but it's not without its challenges. One of the most significant obstacles investors face is the influence of cognitive biases. These biases, which are often hardwired into our brains, can lead to irrational decisions that negatively impact our investment outcomes. Over the years, we've
- [Navigating Troubled Waters: Early Warning Signs of Financial Strain on a Small Business](https://nvestadvisors.com/financial-warning-signs-small-biz/) - In the bustling landscape of entrepreneurship, small businesses often stand as pillars of innovation and local economic growth. However, like any venture, they are not impervious to the challenges and uncertainties that come their way. One of the most formidable challenges a small business can face is financial strain. This invisible force can sneak up
- [Weekly Economic nSight: August 7, 2023](https://nvestadvisors.com/economic-update-4/)
- [New Office Location](https://nvestadvisors.com/new-office-location/) - We're pleased to announce that as of August 1, we've moved to new office facilities in the historic DeGraff building in downtown Colorado Springs, CO. Built during the gold rush into the area in 1897, the building has seen service both as office and retail and as apartments immediately following World War 2. We occupy
- [Weekly Economic nSight: July 24, 2023](https://nvestadvisors.com/economic-update-3/)
- [Quarterly Client Town Hall Meeting - July 18, 2023](https://nvestadvisors.com/quarterly-client-town-hall-meeting-july-12-2023-2-2/) - Please click here or on the image above to watch our Q3 CLIENT TOWN HALL MEETING! The markets are getting choppier ahead of what we strongly believe will be a significant recession in the U.S. and many other parts of the world. Although we keep you informed every week with a macroeconomic update and are
- [RESCHEDULED: Quarterly Client Town Hall Meeting - July 18, 2023](https://nvestadvisors.com/quarterly-client-town-hall-meeting-july-12-2023-2/) - Our original meeting (July 12) was postponed due to illness, but please plan to watch our QUARTERLY CLIENT TOWN HALL on July 18! The markets are getting choppier ahead of what we strongly believe will be a significant recession in the U.S. and many other parts of the world. Although we keep you informed every
- [Weekly Economic nSight: July 10, 2023](https://nvestadvisors.com/economic-update-2/)
- [10 Effective Ways Small Businesses Can Cut Costs and Boost Profitability](https://nvestadvisors.com/small-business-cut-costs-boost-productivity/) - Running a small business often entails managing limited resources and finding ways to optimize costs. By implementing cost-cutting strategies, small businesses can enhance profitability and ensure long-term sustainability. As the economy slows down toward a recession later this year, it's important for businesses to "trim the fat" and build excess savings reserves without harming their
- [Quarterly Client Town Hall Meeting - July 12, 2023](https://nvestadvisors.com/quarterly-client-town-hall-meeting-july-12-2023/) - Please plan to attend our QUARTERLY CLIENT TOWN HALL on July 12! The markets are getting choppier ahead of what we strongly believe will be a significant recession in the U.S. and many other parts of the world. Although we keep you informed every week with a macroeconomic update and are adjusting our investment models
- [Upcoming Summer Events & Office Hours](https://nvestadvisors.com/upcoming-summer-events-office-hours-2/) - We're all getting super-excited for summer to finally get here and we hope you will take some much-deserved time to rest and relax. We have a federal market holiday and company activities coming up in July, and we wanted to make sure our clients were aware of changes to our normal office activities and appointment
- [Weekly Economic nSight: June 26, 2023](https://nvestadvisors.com/economic-update/)
- [Weekly Economic nSight: 06-19-2023](https://nvestadvisors.com/weekly-economic-update-06-19-2023/)
- [Weekly Economic nSight: 06-12-2023](https://nvestadvisors.com/weekly-economic-update-06-12-2023/) - At nVest Advisors, we believe that successful investing depends on an understanding of, and correct response to, changes in the world economy as they happen. We incorporate real-world economic conditions into almost all of our investment models and strategies at nVest Advisors, which we believe provides significant benefit to our clients’ overall investment returns by
- [Weekly Economic Update: 06-05-2023](https://nvestadvisors.com/weekly-economic-update-06-05-2023/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. It is copyrighted and may not be republished in whole or in
- [5 reasons a small business needs a financial advisor](https://nvestadvisors.com/5-reasons-small-business-hire-advisor/) - Running a small business involves numerous challenges, including managing finances effectively. While some small business owners may prefer to handle their finances independently, there are compelling reasons why having a financial advisor can be invaluable. A financial advisor brings expertise, experience, and a fresh perspective to the table, helping small businesses navigate complex financial matters.
- [Weekly Economic Update: 05-22-2023](https://nvestadvisors.com/weekly-economic-update-05-22-2023/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. It is copyrighted and may not be republished in whole or in
- [FINAL REMINDER: South Texas In-Person Appointments | June 8-12, 2023](https://nvestadvisors.com/texas_client_appointments_june_2023-2/) - A FINAL REMINDER TO OUR TEXAS CLIENTS: In-person appointments for South Texas are coming up soon and spaces are limited. If you want to visit with us in person, please schedule your appointment now! We have the following itinerary: Austin / San Antonio - June 8 (afternoon / evening) Rio Grande Valley (Harlingen location) -
- [Upcoming Summer Events & Office Hours](https://nvestadvisors.com/upcoming-summer-events-office-hours/) - We're all getting super-excited for summer to finally get here and we hope you will take some much-deserved time to rest and relax. We have several federal market holidays and company activities coming up in the next few months and we wanted to make sure our clients were aware of changes to our normal office
- [Weekly Economic Update: 05-15-2023](https://nvestadvisors.com/weekly-economic-update-05-15-2023/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. It is copyrighted and may not be republished in whole or in
- [Re-Up: New Features for our clients investing at Betterment](https://nvestadvisors.com/new-betterment-investing-features-client-alert-2/) - At A Glance New Self-Directed Account Service for Do-It-Yourselfers. FREE Checking and High Yield Savings accounts are available for all of our clients. The current savings account interest rate is 4.0%! Cryptocurrency trading is now permitted for clients at Betterment. Please read our updated account service agreement for Betterment. New Advisory Agreement for all clients
- [11 kinds of investment risk you need to know](https://nvestadvisors.com/risk-tolerance-management-investing/) - At nVest Advisors, risk management is a primary focus when managing your long-term savings, and we work hard to get to know you and your goals so that we are adding on appropriate amounts of risk to meet your investment objectives in the time you have to reach them. There are three major factors when
- [How the economic cycle impacts your small business](https://nvestadvisors.com/economy-economic-business-cycle/) - The economy is a complex system that is influenced by a multitude of factors, such as government policies, market forces, and global events. These factors can contribute to economic cycles, which are patterns of growth and contraction in the economy that affect businesses of all sizes, including small businesses. If you're a small business owner,
- [Weekly Economic Update: 05-08-2023](https://nvestadvisors.com/weekly-economic-update-05-08-2023/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. It is copyrighted and may not be republished in whole or in
- [Understanding the Fiduciary Roles in ERISA Retirement Plans](https://nvestadvisors.com/erisa-retirement-plan-401k-fiduciary/) - The Employee Retirement Income Security Act (ERISA) is a federal law that establishes minimum standards for retirement and health benefit plans in the private sector. One important aspect of ERISA is the requirement for plan sponsors to appoint fiduciaries to manage the plan's assets and ensure that it operates in the best interests of participants.
- [Weekly Economic Update: 05-01-2023](https://nvestadvisors.com/weekly-economic-update-05-01-2023/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. It is copyrighted and may not be republished in whole or in
- [Update on the TD Ameritrade / Charles Schwab merger](https://nvestadvisors.com/tdameritrade-schwab-may-15/) - nVest Advisors has employed the services of TD Ameritrade as one of our client account custodians for several years. In the fall of 2019, Charles Schwab acquired TD Ameritrade, and since then, the two custodians have operated independently while their management teams have labored behind the scenes to seamlessly combine the companies into a much
- [Weekly Economic Update: 04-24-2023](https://nvestadvisors.com/weekly-economic-update-04-24-2023/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. It is copyrighted and may not be republished in whole or in
- [Weekly Economic Update: 04-17-2023](https://nvestadvisors.com/weekly-economic-update-04-17-2023/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. It is copyrighted and may not be republished in whole or in
- [The Colorado Secure Savings Program: What you need to know](https://nvestadvisors.com/colorado-secure-savings-program/) - The Colorado Secure Savings Program is a state-facilitated retirement savings plan designed to help Colorado workers save for their future retirement. The program was established by the Colorado General Assembly in 2019 and is set to launch in phases starting in 2021. The program will help workers without access to employer-sponsored retirement plans save for
- [Weekly Economic Update: 04-10-2023](https://nvestadvisors.com/weekly-economic-update-04-10-2023/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. It is copyrighted and may not be republished in whole or in
- [Quarterly Client Town Hall Meeting - April 4, 2023](https://nvestadvisors.com/quarterly-client-town-hall-meeting-april-4-2023/) - We're proud to announce our first QUARTERLY CLIENT TOWN HALL of 2023! The markets are getting choppier ahead of what we strongly believe will be a significant recession in the U.S. and many other parts of the world. Although we keep you informed every week with a macroeconomic update and are adjusting our investment
- [Weekly Economic Update: 04-03-2023](https://nvestadvisors.com/weekly-economic-update-04-03-2023/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. It is copyrighted and may not be republished in whole or in
- [Weekly Economic Update: 03-27-2023](https://nvestadvisors.com/weekly-economic-update-03-27-2023/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. It is copyrighted and may not be republished in whole or in
- [The benefits your employees want most](https://nvestadvisors.com/workplace-benefits/) - Employers are constantly looking for ways to attract and retain the best talent, and offering employee benefits is a key strategy in achieving this goal. Employee benefits are non-wage compensations provided to employees in addition to their salaries. These benefits can include things like health insurance, retirement plans, paid time off, and other perks that
- [Weekly Economic Update: 03-20-2023](https://nvestadvisors.com/weekly-economic-update-03-20-23/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. At nVest Advisors, we believe that successful investing depends on an understanding
- [Managing FDIC insurance limits for your small business' liquidity needs](https://nvestadvisors.com/cash-fdic-banking-silvergate-silicon-signature/) - The collapse of three banks in the United States this week: Silvergate, Silicon Valley Bank, and Signature Bank exposed many problems in the U.S. banking system that are a combination of poor risk management, failure to understand and respond to economic conditions, and companies and other banks flagrantly violating the maximum insurance protections afforded to
- [Weekly Economic Update: 03-13-2023](https://nvestadvisors.com/weekly-economic-update-03-13-2023/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. At nVest Advisors, we believe that successful investing depends on an understanding
- [New Features for our clients investing at Betterment](https://nvestadvisors.com/new-betterment-investing-features-client-alert/) - At A Glance New Self-Directed Account Service for Do-It-Yourselfers. FREE Checking and High Yield Savings accounts are available for all of our clients. The current savings account interest rate is 4.0%! Cryptocurrency trading is now permitted for clients at Betterment. Please read our updated account service agreement for Betterment. New Advisory Agreement for all clients
- [You'll be right at home with a smaller advisory firm](https://nvestadvisors.com/benefits-small-ria-advisor-advisory-firm/) - When it comes to managing your finances, there are many options available. Some people choose to manage their finances on their own, while others prefer to work with a financial advisor. If you're considering working with a financial advisor, you may want to consider working with a smaller firm, for a number of very important
- [Your Employee's Retirement Plan is well served by a smaller advisor](https://nvestadvisors.com/employee-retirement-plan-401k-small-ria-advisor/) - A 401k plan is a vital tool for saving for retirement, but choosing the right investment advisor to manage your 401k plan can be a daunting task. The right advisor can make a significant difference in the success of your retirement savings. Let's discuss just a few of the benefits of working with a small
- [Weekly Economic Update: 03-06-2023](https://nvestadvisors.com/weekly-economic-update-03-06-2023/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. At nVest Advisors, we believe that successful investing depends on an understanding
- [Keeping your cool during market volatility](https://nvestadvisors.com/market_volatility_emotion_behavioral/) - Market volatility can trigger intense emotions in investors, ranging from fear to greed, excitement to despair. It's not uncommon for people to make rash decisions during periods of volatility, either selling their assets out of panic or buying in a frenzy of excitement. However, emotional responses to market movements can be counterproductive, leading to missed
- [Weekly Economic Update: 02-27-2023](https://nvestadvisors.com/weekly-economic-update-02-27-2023/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. At nVest Advisors, we believe that successful investing depends on an understanding
- [South Texas In-Person Appointments | June 8-12, 2023](https://nvestadvisors.com/texas_client_appointments_june_2023/) - We're pleased to offer our Texas clients in-person appointments coming up in early June! We have the following itinerary: Austin / San Antonio - June 8 (afternoon / evening) Rio Grande Valley (Harlingen location) - June 9-11 (all day) and June 12 (morning) Corpus Christi and San Antonio - June 12 (afternoon / evening) Austin
- [10 responsibilities employers have for your company's retirement plan](https://nvestadvisors.com/employer-responsibilities-retirement-plan/) - A 401k plan is a popular retirement savings plan offered by many employers in the United States. It is a defined contribution plan where employees can contribute a portion of their pre-tax income, and employers may also contribute a matching amount or a fixed amount. The contributions grow tax-deferred until they are withdrawn in retirement.
- [5 Reasons why a Robo-Advisor isn't a perfect solution](https://nvestadvisors.com/investors-robo-advisors/) - Here at nVest Advisors, we're very excited for the future of technology in our industry, and for good reason. As a very early adopter of a variety of tech solutions, nVest has been able to streamline and reduce costs on our back-office operations, provided more and easier ways for clients to work with us, and
- [Small business trends in 2023](https://nvestadvisors.com/small-business-trends-in-2023/) - Small businesses play a vital role in driving the economy and creating jobs. In 2023, there will be several key trends that are likely to shape the small business landscape. Here are some of the most important trends that small business owners should be aware of: Increased Focus on E-commerce The rise of e-commerce has
- [Weekly Economic Update: 02-13-2023](https://nvestadvisors.com/weekly-economic-update-02-13-2023/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. At nVest Advisors, we believe that successful investing depends on an understanding
- [Fiduciary Responsibility in 401(k) Plans](https://nvestadvisors.com/fiduciary-responsibility-in-401k-plans/) - 401(k) plans are a popular and convenient way for employees to save for retirement. These plans allow workers to contribute a portion of their salary into a tax-advantaged investment account, with the option to choose from a range of investment options. With this flexibility and convenience comes a certain level of responsibility, however, particularly for
- [Weekly Economic Update: 02-06-2023](https://nvestadvisors.com/weekly-economic-update-02-06-2023/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. At nVest Advisors, we believe that successful investing depends on an understanding
- [Advisor warning signs every investor should take seriously.](https://nvestadvisors.com/investors-should-demand-transparency-and-verify-before-ever-handing-over-money/) - In the fifteen years that I've been an investment and financial advisor, I've had the misfortune of seeing a lot of unethical and even illegal activity up close. It grieves me that our industry seems to, like many others, attract people to it who come to do harm, let alone fail to act in a
- [5 challenges for your small business during a recession](https://nvestadvisors.com/5-ways-small-business-survive-recessuion/) - A recession is a period of economic decline characterized by a decrease in gross domestic product (GDP), increased unemployment, and a decline in consumer spending. Recessions can be caused by a variety of factors, including natural disasters, economic mismanagement, and shifts in global economic conditions. Small businesses, in particular, are often particularly vulnerable to the
- [Weekly Economic Update: 01-30-23](https://nvestadvisors.com/weekly-economic-update-01-30-23/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. At nVest Advisors, we believe that successful investing depends on an understanding
- [The DOL Fiduciary Rule: What it means to your company retirement plan.](https://nvestadvisors.com/the-dol-fiduciary-rule-1-2023/) - Fiduciary An individual in whom another has placed the utmost trust and confidence to manage and protect property or money. The relationship wherein one person has an obligation to act for another's benefit. (Source: http://legal-dictionary.thefreedictionary.com/fiduciary) There's a tremendous amount of debate in the financial industry about the US Department of Labor's final Fiduciary Rule, but very
- [Weekly Economic Update: 01-23-23](https://nvestadvisors.com/weekly-economic-update-2/) - At-a-Glance: U.S. Manufacturing is now in recession. The Yield Curve inverted the most in modern history. Weak Retail Sales throughout the holiday season. The market has not priced in additional rate hikes. Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a
- [Getting help to launch or manage your company plan.](https://nvestadvisors.com/401k-advisor-fiduciary/) - If you sponsor a retirement plan for your employees (or want to), you are aware of the potential risks your company assumes, because you are being entrusted with your employees' contributions, and you're limiting their retirement options, features, benefits, and investment choices to only those you as the employer chooses. This makes you a financial
- [Weekly Economic Update: 01-16-23](https://nvestadvisors.com/weekly-economic-update/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. At nVest Advisors, we believe that successful investing depends on an understanding
- [A whole new approach: introducing the "new" nVest Advisors](https://nvestadvisors.com/a-whole-new-approach-introducing-the-new-nvest-advisors/) - Over the past six months, we've been working hard behind the scenes with a team of marketing talent to update, refine, and repurpose nVest Advisors for the new and challenging economic world we're facing today. We sincerely hope you're enjoying the new website, logo, technology and features at nVest Advisors, but we've changed much more
- [4 ways our approach is radically different](https://nvestadvisors.com/our-investing-approach-is-different/) - "Every money manager has an investing philosophy that was built for good times, but that's easy; a rising tide lifts every boat. Times like now are when advisors are forced to defend that philosophy, and sadly, many won't be able to." - Jeremy Torgerson, nVest Advisors CEO | May 8, 2022 Because of the economic
- [What to do with your old company's retirement plan](https://nvestadvisors.com/rolling-over-your-employer-retirement-plan/) - Leaving or changing jobs can be stressful, especially if your job change wasn't your choice, but was the result of an economic or industry slow-down, you've been laid off, or you had to relocate for other reasons. You need to do something with your old workplace retirement plan(s), but you need to do it in
- [Risk Management: getting off the wild ride of the investment roller-coaster](https://nvestadvisors.com/risk-management-getting-off-the-wild-ride-of-the-investment-roller-coaster/) - It's pretty much common knowledge that saving and investing always involve risks. What you may have some confusion about is that "risk" doesn't always mean just the red and green graphs blaring across the screens of CNBC and Fox Business all day. Yes, daily price volatility is a definite risk, and perhaps the most widely-known
- [9 reasons to fire your financial advisor](https://nvestadvisors.com/9-reasons-to-fire-your-financial-advisor/) - So you've been working with a financial professional for a while, but things just don't "feel right" anymore. Maybe the advisor is inattentive, or maybe you're just not seeing the results you'd hoped for. How do you know when it's okay to overlook some minor issues, and when it's time to leave? Here are 9
- [Manage debt with a plan or expect to fail (Part 1)](https://nvestadvisors.com/manage-debt-with-a-plan-or-expect-to-fail-1/) - Today (and next Wednesday) we are bringing you a two-part series of posts about Debt Management that were originally posted to the personal finance blog of nVest Advisors CEO Jeremy Torgerson, Think Like A Rich Guy. TLRG covers financial, investing, and success mindset issues on a regular basis. This blog post is reprinted here with
- [FTX was throwing up the same red flags as Bernie Madoff](https://nvestadvisors.com/ftx-was-throwing-up-the-same-red-flags-as-bernie-madoff/) - In the span of just a few days, cryptocurrency exchange FTX – the world’s third-largest cryptocurrency exchange with more than 1 million users – filed for Chapter 11 bankruptcy. A few days later, cryptocurrency lender BlockFi announced that it was "not able to do business as usual" and paused client withdrawals as a result of
- [Your employees want and need a retirement plan: here's how](https://nvestadvisors.com/your-employees-want-and-need-a-retirement-plan-heres-how/) - Every Wednesday, the nVest Advisors blog is devoted to helping your small business succeed and grow. Whether you are a sole proprietor, LLC or partnership, a family company, or a multi-site corporation with 500 employees, and whether you're making cakes, building the latest in tech, or drilling for oil, helping your business reach its organizational
- [Manage debt with a plan or expect to fail (Part 2)](https://nvestadvisors.com/manage-debt-with-a-plan-or-expect-to-fail-2/) - This is the second of a two-part series of posts about Debt Management that were originally posted to the personal finance blog of nVest Advisors CEO Jeremy Torgerson, Think Like A Rich Guy. TLRG covers financial, investing, and success mindset issues on a regular basis. This blog post is reprinted here with permission. Part One
- [Austen Rubino joins the nVest Advisors Team](https://nvestadvisors.com/austen-rubino-joins-the-nvest-advisors-team/) - nVest Advisors wants to welcome our new team member Austen Rubino, to the nVest family! Austen joined us in October 2022, as our new Operations Assistant. He currently manages internal company processes including bookkeeping, compliance, and back-office tech integration, and serves as the leader and primary company contact of our team of marketing interns (basically,
- [Our investing approach is radically different.](https://nvestadvisors.com/our-investing-approach-is-radically-different-than-your-typical-advisors/) - "Every money manager has an investing philosophy that was built for good times, but that's easy; a rising tide lifts every boat. Times like now are when advisors have to defend that philosophy, and sadly, many won't be able to." - Jeremy Torgerson, nVest Advisors CEO | May 8, 2022 Because of the economic and
- [Weekly Economic Update: 11-14-2022](https://nvestadvisors.com/weekly-economic-update-11-14-2022/) - Welcome to the first of our new weekly series of economic updates, provided for the benefit of our clients and business partners. At nVest Advisors, we believe that successful investing depends on an understanding of, and correct response to, changes in the world economy as they happen. We incorporate real-world economic conditions into almost all
- [Weekly Economic Update: 11-21-2022](https://nvestadvisors.com/weekly-economic-update-11-21-2022/) - At nVest Advisors, we believe that successful investing depends on an understanding of, and correct response to, changes in the world economy as they happen. We incorporate real-world economic conditions into almost all of our investment models and strategies at nVest Advisors, which we believe provides significant benefit to our clients' overall investment returns. For
- [Weekly Economic Update: 11-28-2022](https://nvestadvisors.com/weekly-economic-update-11-28-2022/) - At nVest Advisors, we believe that successful investing depends on an understanding of, and correct response to, changes in the world economy as they happen. We incorporate real-world economic conditions into almost all of our investment models and strategies at nVest Advisors, which we believe provides significant benefit to our clients' overall investment returns. For
- [Weekly Economic Update: 12-5-2022](https://nvestadvisors.com/weekly-economic-update-12-5-2022/) - At nVest Advisors, we believe that successful investing depends on an understanding of, and correct response to, changes in the world economy as they happen. We incorporate real-world economic conditions into almost all of our investment models and strategies at nVest Advisors, which we believe provides significant benefit to our clients' overall investment returns. For
- [Weekly Economic Update: 12-12-2022](https://nvestadvisors.com/weekly-economic-update-12-12-2022/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models over time. At nVest Advisors, we believe that successful investing depends on
- [Weekly Economic Update: 12-19-2022](https://nvestadvisors.com/weekly-economic-update-12-19-2022/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models over time. At nVest Advisors, we believe that successful investing depends on
- [Weekly Economic Update: 01-09-23](https://nvestadvisors.com/weekly-economic-update-01-09-2023/) - Our economic updates are written once weekly by nVest Advisors CEO Jeremy Torgerson for the general education of the public, and as a way to provide transparency for our clients and sponsored-plan participants as to how we create and modify our investment models. At nVest Advisors, we believe that successful investing depends on an understanding
- [Year-End and Holiday Updates](https://nvestadvisors.com/year-end-and-holiday-updates/) - We hope everyone is kicking off the holiday season with a great Thanksgiving, and that you enjoy all of the blessings of the Holiday season over the next few weeks. As we close out 2022, we wanted to make sure our clients remembered these important year-end financial and investing items: Clients over the age of
- ["Why I became a Financial Advisor": Money n30 Podcast: Episode 10](https://nvestadvisors.com/why-i-became-a-financial-advisor-money-n30-podcast-episode-10/) - Financial Advisor and nVest Advisors CEO re-introduces the Money n30 Podcast with a talk about how a difficult upbringing motivated him to become a financial advisor. Podcast Transcript: I'd like to thank you for joining us today on this sort of reintroduction to the “Money n 30” podcast. My name is Jeremy Torgerson and I
- [FREE E-BOOK for beginning investors](https://nvestadvisors.com/free-e-book-for-beginning-investors/) - There are literally thousands of advisors hunting for the "whale" - the super-rich client with tons of investable assets. And while we definitely have "wealthy" clients, at nVest Advisors, we're finely tuned to work with young professionals, working families, and small businesses. It's our purpose and mission. We don't just want clients who are already
- [Statement on the SEC Regulation BI (Best Interest)](https://nvestadvisors.com/statement-on-the-sec-regulation-bi-best-interest/) - nVest Advisors was conceived and created to provide effective, low-cost, fully fiduciary financial planning and investment management for all of our clients, but especially for those clients who are largely overlooked by other RIA firms due to income or accumulated wealth limitations. The middle-income American family and small business owner have traditionally been targeted by
- [What is your personal life expectancy?](https://nvestadvisors.com/what-is-your-personal-life-expectancy/) - How long are you going to live? That's a question no one knows the exact answer to, but as financial planners, one of our most important tasks is helping you properly prepare for a realistic retirement. The simple fact is, many people are grossly underestimating how many years they will live retired, and sadly, with
- [Low-Cost, Personal & Virtual Financial Planning is REAL](https://nvestadvisors.com/new-nvestor-lifecycle-program-launch/) - We're pleased to announce a revolutionary new way to work with a financial planner: the nVestor LifeCycle® Planning Program! Many families know they need financial help, but either don't know where to go and who to trust, or just can't pay the usually extremely high prices many planners want to charge. If you're an "average"
- [More ways to stay connected](https://nvestadvisors.com/more-ways-to-stay-connected/) - Just a quick entry today, to let our clients (and prospective clients) know about some additional services coming up in April: The totally-revised financial education website, nVest Academy, will roll out on or around April 1. This special stand-alone site will offer live and pre-recorded webinars, a brand new podcast, and a host of other
- [THIS is why we don't play with your money.](https://nvestadvisors.com/this-is-why-we-dont-play-with-your-money/) - From Jeremy Torgerson, CEO of nVest Advisors: "I don't need/want your pity; I just honestly hope I can save one person from this stupid nightmare." That's not my quote. That's from a guy who just lost a huge amount of money trying to out-smart the market, and he wants to warn you. As I'm closing
- [Your 2019 New Year’s Financial Resolutions](https://nvestadvisors.com/your-2019-new-years-financial-resolutions/) - Your2019 New Year’s (Financial) Resolutions A resolution for every month to help yougain financial independence Cleaning up personal finances remains one of the top resolutions every New Year. But we all know what happens to most such self-promises, so here’s a month-by-month to-do list to cultivate better financial health. January: Organize paperwork. This obvious starting
- [The January Effect? Does it matter in 2019?](https://nvestadvisors.com/the-january-effect-does-it-matter-in-2019/) - What does history tell us and how should investors react? The January Effect The January Effect is a pattern exhibited by stocks in the last few trading days of December and the first few weeks of January. During this period, particularly starting in January, the theory is that stocks tend to rise. In simple terms,
- [What's happening at nVest Advisors in January](https://nvestadvisors.com/whats-happening-at-nvest-advisors-in-january/) - Happy New Year! We wish a year of health, growth, and joy for all of our clients! Here's what's coming to nVest Advisors in the month of January: January Office Hours We're open every day 8:00am to 5:00pm Mountain Time, Monday through Friday, except bank/market holidays. In January, markets and nVest Advisors will be closed: Tuesday,
- [Financial Resolutions for 2019](https://nvestadvisors.com/financial-resolutions-for-2019/) - A resolution for every month to help you gain financial independence. Cleaning up personal finances remains one of the top resolutions every New Year. But we all know what happens to most such self-promises, so here’s a month-by-month to-do list to cultivate better financial health. January: Organize paperwork. This obvious starting point eludes many. Are your
- [Introducing nVestMe.Com](https://nvestadvisors.com/introducing-nvestme-com/) - nVest Advisors is proud to bring an entirely new online resource for our small business clients (and their employees)!
- [Market Volatility - Again](https://nvestadvisors.com/market-volatility-again/) - It seems like once or twice a year for the last few years, we've had to address concerns with short-term volatility, usually in the equity (stock) markets. We've addressed this most important issue several times already (here) and (here) and (here) and (here), and today we felt it was important to remind our clients to
- [nVest Advisors CEO a featured Investopedia pro](https://nvestadvisors.com/nvest-advisors-ceo-a-featured-investopedia-pro/) - As you may know, providing financial advice and education to average American families and small businesses is our passion, and it's something we spend a lot of time on here "behind the scenes". It's nice when that hard work is appreciated. This past week, nVest Advisors CEO Jeremy Torgerson became one of the featured financial
- [403(b) Plan Changes: Is It Time to Switch Retirement Plans?](https://nvestadvisors.com/403b-plan-changes-is-it-time-to-switch-retirement-plans/) - 403(b) Plan Changes Is It Time to Switch Retirement Plans? Traditionally, most nonprofit organizations that offer a defined contribution retirement plan to employees have sponsored 403(b) plans. However, new regulations for 403(b) plans have led many nonprofits to consider converting to a 401(k) plan, the defined contribution plan most widely used by for-profit businesses. Established
- [Examining Robo-Advisors: What real investors need to know](https://nvestadvisors.com/examining-robo-advisors-what-real-investors-need-to-know/) - ExaminingRobo-Advisors What real investors need to know Robo-advisors are getting lots of accolades lately as the noble purveyors of inexpensive financial advice for the average person. And traditional advisors, the thinking goes, supposedly ignore that average person. Nonsense. The robo-advisor concept suggests that advisors, the flesh-and-blood kind you meet with personally, overcharge and are only
- [Health Savings Accounts: A Tax Efficient Health Insurance Alternative](https://nvestadvisors.com/health-savings-accounts-a-tax-efficient-health-insurance-alternative/) - /* -*- Mode: Java; tab-width: 2; indent-tabs-mode: nil; c-basic-offset: 2 -*- *//* vim: set shiftwidth=2 tabstop=2 autoindent cindent expandtab: *//* Copyright 2012 Mozilla Foundation * * Licensed under the Apache License, Version 2.0 (the "License"); * you may not use this file except in compliance with the License. * You may obtain a copy of
- [Understanding Interest Rates and Your Financial Situation](https://nvestadvisors.com/understanding-interest-rates-and-your-financial-situation/) - When discussing bank accounts, investments, loans, and mortgages, it is important to understand the concept of interest rates. Interest is the price you pay for the temporary use of someone else’s funds; an interest rate is the percentage of a borrowed amount that is attributable to interest. Whether you are a lender, a borrower, or
- [Introducing MyWealthAdvisor](https://nvestadvisors.com/introducing-mywealthadvisor/) - Clients at nVest Advisors know that we are all about making two very different things work together seamlessly: state-of-the-art technology and old-school customer service. That's why we do meetings in person, by phone, or virtually (by video) for clients, no matter where you are. It's also why we have evening and Saturday appointments available, to
- [Investing in Your Vacation](https://nvestadvisors.com/investing-in-your-vacation/) - Why do so many of us not use our vacation days? Salespeople talk about “leaving money on the table.” Well, employees leave vacation on the table. And the cost to us is significant. In fact, Americans leave 429 million vacation hours on this proverbial table, according to a report from Forbes. And USA Today reports
- [4 Things to Remember During Market Volatility](https://nvestadvisors.com/4-things-to-remember-during-market-volatility/) - As we write this blog post the afternoon of Monday, February 5, it's been a very rough day for the US Market indexes. We believe this is the start of the markets returning to a more normal pattern, after an historic run-up in 2017, not a sign of significant economic concerns and for most investors,
- [9 Ways to be a Great Client](https://nvestadvisors.com/9-ways-to-be-a-great-client/) - We talk often on here about how we're working to be a better financial advisor, and we applaud efforts by the Department of Labor, the SEC, and the state regulators to force higher standards of care on our industry. We've even given you reasons to fire your current advisor, things to be leery of when
- [Introducing the nVestor LifeCycle](https://nvestadvisors.com/intro-lifecycle/) - Our clients who have been around a few years know we've made lots of changes. From the creation of an independent financial advisory practice in August 2011 (then called "Palo Alto Investments"), to new custodians, new investment strategies, early adoption of new technology, the total reinvention of the firm into the fee-only RIA, nVest Advisors
- [A quick review of permanent vs. term insurance](https://nvestadvisors.com/a-quick-review-of-permanent-vs-term-insurance/) - When faced with the wide range of life insurance coverage available, you may wonder what type fits your needs now and what coverage you should consider for future needs. A good first step is to look at two basic types of insurance coverage: whole life and term life. Whole Life Insurance—Cash Value for Your Dollar
- [Home improvement projects: make the most of your biggest investment.](https://nvestadvisors.com/home-improvement-projects-make-the-most-of-your-biggest-investment/) - In lieu of a Facebook Live Q&A session today, I'm taking a "staycation" this week, to work with my wife on our backyard. When we relocated our company and family back home to Denver, CO in February, our new home was incredible and the yard looked good - in 6 inches of snow. But as
- [What should I know before I take money out of my retirement account?](https://nvestadvisors.com/ira_distribution/) - As we write this from our new headquarters in Denver, Colorado, we're expecting 3 inches of snow, on the 18th of May. It's supposed to be springtime, and for the most part, it is - flowers have bloomed, trees are full of leaves, the grass is green, but in the middle of what should be
- [On the Brexit vote tonight](https://nvestadvisors.com/on-the-brexit-vote-tonight/) - A note from CEO Jeremy Torgerson: As I write this (10:35pm Central), it appears, as I personally suspected, that the United Kingdom will vote to sever its ties with the European Union. All the polls and "talking heads" were, as has become laughably typical, wrong. The people of the UK appear, at least at this
- [Confirmation Bias - why you unfriend and unfollow on FB](https://nvestadvisors.com/confirmation-bias-why-you-unfriend-and-unfollow-on-fb/) - During this heated political season, may I introduce you all to a psychological tendency we are all extremely guilty of: CONFIRMATION BIAS. This is the typical human notion we all have to seek out news, opinions, memes, etc. that confirm what we already believe to be true. We all want so badly to believe we
- [Retirement: How to really, truly get there.](https://nvestadvisors.com/retirement-how-to-really-truly-get-there/)
- [Beware the Sketchy Salesperson: 10 signs you should do business elsewhere](https://nvestadvisors.com/beware-these-sketchy-sales-practices/) - Nearly every investment professional built their book of business by winning their client accounts away from another advisor or firm. It's just how the business is done, unfortunately. If you have assets, we in the financial industry will all be in competition to be the manager of those assets. Whether it's your bank or credit
- [Volatile markets this week - 11 things to remember](https://nvestadvisors.com/volatile-markets-this-week-11-things-to-remember/) - Markets this week have been spooked due to bad economic news coming out of China, the world's second biggest economy. Remember that markets are always cyclical, and that no one can accurately predict the tops and bottoms of each market. Remember also, that media outlets need to grab your attention. So they'll do it with
- [Happy New Year!](https://nvestadvisors.com/happy-new-year/) - It's been a whirlwind start for nVest Advisors this past year, and we're just getting started. Thank you to our clients, friends, family and supporters, for all that you to do encourage, inspire, motivate, and push us to grow. I wish you and your family health, happiness, and success in 2016!
- [Fees vs. commissions: why we chose the fee-only business model](https://nvestadvisors.com/fees-vs-commissions-why-we-chose-the-fee-only-business-model/) - When you are looking to hire a financial advisor, there are a lot of variables to consider: the advisor's experience, investment style, management philosophy, history of complaints, and list of available services are just a few. You also need to consider how they charge for their services. Traditionally, there have been two business models in our
- [Why we love robo advisors, and you will too.](https://nvestadvisors.com/why-we-love-robo-advisors-and-you-will-too/) - In 2001, my wife and I bought a very large independent video store, which she managed while I took care of our two restaurants. It was a great business, and for people of my age, a bit of a nostalgic one, since the trip to the video store was always a treat when we were
- [A new financial firm, seven years in the making.](https://nvestadvisors.com/hello-world/) - What can you say after you've been in the financial services business for seven years, but you just pushed the "reset" button on the whole thing and started again? You say, "It's about time." From my earliest days working for a large regional firm, to my four years as an independent dually-registered financial advisor, I

## Pages

- [Fiduciary Financial Advisor in Colorado Springs | nVest Advisors](https://nvestadvisors.com/) - Fiduciary financial advisors serving families and businesses in Colorado, Texas, Utah, Kansas, and nationwide since 2008. Book a free consultation.
- [Jeremy Torgerson | Senior Financial Advisor & Fiduciary](https://nvestadvisors.com/jeremy-torgerson-senior-financial-advisor-fiduciary/) - Jeremy Torgerson is a Registered Senior Financial Advisor and CEO at nVest Advisors, offering fiduciary, fee-only financial planning with 20+ years' experience.
- [General Disclosures & Privacy Policy](https://nvestadvisors.com/general-disclosures/) - nVest Advisors, LLC FORM ADV Part 2A & Part 2BnVest Advisors, LLC FORM CRSnVest Advisors, LLC Privacy Policy1. About Our Registration nVest Advisors, LLC is a state-registered investment adviser in Texas, Colorado, Utah, and Kansas. We serve clients in other states under de minimis exemptions. Registration does not imply skill, training, or endorsement by any
- [Why nVest Advisors](https://nvestadvisors.com/why-nvest-advisors/) - Why nVest AdvisorsThe Financial World Is Complicated. You Deserve a Guide Who Puts You First.Real guidance. Real clarity. Real partnership — for people who want a trusted advisor for life. Book Your 30-Minute Consultation NowExplore Our Investment PhilosophyWhy nVest AdvisorsThe Financial World Is Complicated. You Deserve a Guide Who Puts You First.Real guidance. Real clarity.
- [Our Philosophy | Client-First Fiduciary Values](https://nvestadvisors.com/our-philosophy/) - At nVest Advisors, our philosophy centers on client-first fiduciary values, transparency, and long-term partnerships built on integrity, trust, and respect.
- [Moses Rodriguez | Financial Advisor in Texas](https://nvestadvisors.com/financial-advisor-moses-rodriguez/) - Moses Rodriguez (CRD# 7809286) is a Registered, Fiduciary, Fee-Only Financial Advisor in Taxes serving individuals and families with tailored guidance.
- [Joshua Torgerson | Financial Advisor in Colorado](https://nvestadvisors.com/financial-advisor-in-colorado-joshua-torgerson/) - Joshua Torgerson CRD# 7809785 is a Registered, Fiduciary, Fee-Only Financial Advisor in C serving individuals and families with tailored guidance.
- [Meet the nVest Advisors Team | Fiduciary Financial Advisors](https://nvestadvisors.com/meet-the-fiduciary-financial-advisors/) - Meet the fee-only, fiduciary financial advisors at nVest Advisors. Our experienced, family-owned team delivers transparent financial planning you can trust.
- [Contact Our Financial Advisor Team](https://nvestadvisors.com/contact-our-financial-advisor-team/) - Connect with a trusted financial advisor at nVest Advisors. Schedule a free consultation or reach out to start planning your financial future.
- [Never Worked With a Financial Advisor Before?](https://nvestadvisors.com/never-worked-with-a-financial-advisor-before/) - New to financial planning? If you’ve never worked with a financial advisor before, nVest Advisors explains what to expect—clearly, simply, and without pressure.
- [nVest Financial Insights & News | Blog](https://nvestadvisors.com/blog/) - Financial Freedom | Colorado Springs, CO - nVest Financial Insights & News | Blog - nVest Advisors
- [Is Your 401(k) Working as Hard as You Are? | Free 401(k) Webinar](https://nvestadvisors.com/is-your-401k-working-as-hard-as-you-are-free-401k-webinar/) - Learn how to evaluate your 401(k), avoid common mistakes, understand fees, & optimize your retirement strategy. Register for our free educational webinar today.
- [Our Story | nVest Advisors](https://nvestadvisors.com/our-story-nvest-advisors/) - nVest Advisors is a fiduciary, fee-only financial firm helping families, small businesses, and professionals achieve lasting freedom—since 2008.
- [Fiduciary Financial Advisor in Texas | nVest Advisors](https://nvestadvisors.com/fiduciary-financial-advisor-in-texas/) - Looking for a trusted financial advisor in Texas? nVest Advisors offers fee-only, fiduciary planning near you—serving families, teachers, & retirees since 2008
- [Financial Planning for Small Business Owners – nVest Advisors](https://nvestadvisors.com/financial-planning-for-small-business-owners/) - Financial Planning for Small Business Owners from a family-owned fiduciary firm. Expert 401k, SEP IRA, SIMPLE IRA & employer-sponsored retirement plan guidance.
- [Fiduciary 401K Management | Smarter 401K Plans for Modern Businesses](https://nvestadvisors.com/fiduciary-401k-management/) - Get fiduciary 401K management from experienced advisors who optimize your plan for lower fees, better performance, & full compliance. Smarter 401K plans since 2008.
- [Our Proven 8-Step 401(k) Benchmarking & Onboarding Process](https://nvestadvisors.com/our-proven-8-step-401k-benchmarking-onboarding-process/) - Our Proven 8-Step 401(k) Benchmarking & Onboarding ProcessA clear, transparent, and fiduciary-driven approach designed to protect your business and improve employee outcomes. Why This MattersMost companies don’t realize they are overpaying, underperforming, or carrying unnecessary fiduciary risk until a proper benchmarking analysis is done.Our 8-step process removes the guesswork and gives you a complete, unbiased
- [Financial Planning for Teachers | nVest Advisors](https://nvestadvisors.com/financial-planning-for-teachers/) - Specialized financial planning for teachers. nVest Advisors helps educators grow savings, maximize benefits, and plan for retirement with confidence.
- [Find a Financial Advisor Near You | Virtual & Local](https://nvestadvisors.com/find-a-financial-advisor-near-you-virtual-local/) - Find a financial advisor near you in Texas, Colorado, Utah & Kansas. Book a virtual appointment with nVest Advisors—trusted, fee-only, and always fiduciary.
- [Fiduciary, Fee-Only Financial Planning for Families | nVest Advisors](https://nvestadvisors.com/fiduciary-fee-only-financial-planning-for-families/) - Family-owned fiduciary firm offering fee-only financial planning, investment management & retirement strategies for individuals & families since 2008.
- [Fiduciary Financial Services And Planning | nVest Advisor](https://nvestadvisors.com/fiduciary-financial-services-and-planning/) - nVest Advisors offers fiduciary, fee-only financial services including retirement planning, investment management, and business retirement solutions since 2008.
- [Fiduciary Financial Advisor in Kansas | nVest Advisors](https://nvestadvisors.com/fiduciary-financial-advisor-in-kansas/) - Looking for a trusted financial advisor in Kansas? nVest Advisors offers fee-only, fiduciary planning near you—serving families, teachers, & retirees since 2008
- [Fiduciary Financial Advisor in Utah | nVest Advisors](https://nvestadvisors.com/fiduciary-financial-advisor-in-utah-nvest-advisors/) - Looking for a trusted financial advisor in Utah? nVest Advisors offers fee-only, fiduciary planning near you—serving families, educators, & retirees since 2008.
- [Fiduciary Retirement Planning Services | nVest Advisors](https://nvestadvisors.com/fiduciary-retirement-planning-services/) - Fiduciary retirement planning for families, teachers, and businesses in Colorado, Texas, Utah, Kansas, and online nationwide. Book a free consultation.
- [Market & Economy](https://nvestadvisors.com/market-economy/) - Markets & EconomynVest Advisors is pleased to present this dashboard of live, continuously updated information on world markets and general economic events, including real-time investment news headlines. Although we believe this information to be accurate, timely and reliable at all times, this data comes from outside sources and is provided here solely as a reference
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- [Media Mentions | Featured Financial Advisor](https://nvestadvisors.com/media-mentions/) - See how nVest Advisors has been featured across trusted media outlets. Our media mentions show recognition for fiduciary ethics, expertise, & financial guidance
- [Thank You for Your Interest! Schedule a Consultation with nVest Advisors](https://nvestadvisors.com/thank-you-for-your-interest-schedule-a-consultation-with-nvest-advisors/) - Thank You for Taking a Step Toward Financial Confidence We appreciate your interest and commitment to enhancing your financial well-being, especially during these uncertain times. For expert guidance and dedicated support, we invite you to Book Your 30-Minute Consultation Now with Jeremy Torgerson, CEO of nVest Advisors. Jeremy is committed to helping you achieve your Thank you for your interest! Book a 30-minute consultation with Jeremy Torgerson, CEO of nVest Advisors, for expert financial guidance and dedicated support to help you achieve your financial goals during uncertain times.
- [Worked With a Financial Advisor Before?](https://nvestadvisors.com/worked-with-a-financial-advisor-before/) - If you’ve worked with a financial advisor before and felt unsure or unheard, discover how nVest’s fiduciary, client-first model delivers clarity and trust.
- [Investment Philosophy | Fiduciary Approach](https://nvestadvisors.com/investment-philosophy-fiduciary-approach/) - Explore our investment philosophy built on fiduciary duty, low-cost diversification, long-term planning, and strategies aligned with your financial goals.
- [Financial Planning Process Steps | How We Work](https://nvestadvisors.com/financial-planning-process-steps/) - Discover the financial planning process steps at nVest Advisors. From first conversation to a personalized plan, see how we bring clarity, structure, & results.
- [nVest in the Media | Archives](https://nvestadvisors.com/media/) - #nVest Advisors in the MediaWe’re proud to have been quoted as a local and national authority on personal finance and investing over the years, in a wide variety of major media and podcasts. Below is an archive to all of the articles and podcast media in which we appear: CEOBlogNation 8-27-2016 WiseBread 9-8-2016 TheStreet.Com 10-8-2016
- [Financial Education & Events](https://nvestadvisors.com/financial-education-events/) - Enhance your financial education with expert seminars, advice, and tools to help you achieve your financial goals and secure your future.
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- [Grateful for Your Registration](https://nvestadvisors.com/retirement-webinar-thanks/) - Thank You! Thank you for registering for the recorded webinar tailored for Texas teachers nearing retirement and seeking financial freedom for their retirement years! You’re all set. You’ll receive an email with details on accessing the recorded webinar designed specifically for educators like you. We look forward to sharing valuable insights to help you achieve Thank You for Registering: Unlocking Financial Freedom in Retirement for Texas Teachers
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## FAQs

- [What if I start a plan program and then decide to invest with you?](https://nvestadvisors.com/faq-items/what-if-i-start-a-plan-program-and-then-decide-to-invest-with-you/) - Financial planning is included for free, and includes support for as long as you’re a client, for all of our investing clients! If you believe you may want to invest with us in addition to having your plan created, let your advisor know at the beginning of the process. If you decide after starting a
- [What if I sign up but change my mind?](https://nvestadvisors.com/faq-items/what-if-i-sign-up-but-change-my-mind/) - All of our planning clients have five days after signing their agreement to terminate the work at no charge to them. After that period, if you choose to cancel, let us know in writing and work will stop. You will only be billed for the actual time spent working on the plan up to the
- [How will I pay for my financial plan?](https://nvestadvisors.com/faq-items/how-will-i-pay-for-my-financial-plan/) - During our onboarding process, you will sign a financial planning agreement that spells out the fees and payment options for your plan. You will also set up a method of payment (bank account, credit or debit card) that will be charged automatically according to the payment plan you select. We do not take any payments
- [Are your fees negotiable?](https://nvestadvisors.com/faq-items/are-your-fees-negotiable/) - Generally, and as a matter of fairness to the entire body of our clients, no. But if you have a special circumstance that you feel warrants that discussion, feel free to bring it up to your financial advisor. We are, however, flexible in that we’ve designed our services to give you some degree of control
- [What services do you offer?](https://nvestadvisors.com/faq-items/what-services-do-you-offer/) - For individuals and family clients, we generally offer fiduciary investment management services (LINK TO PAGE), and financial planning services (LINK TO PAGE), The scope of those services can vary based on your needs. It’s important to note that although you can request financial planning services on their own, clients who have managed investment accounts with
- [Are you a fiduciary?](https://nvestadvisors.com/faq-items/are-you-a-fiduciary/) - Yes, for every client, from your first day on board and your first dollar invested.
- [Where can I see your fees and pricing?](https://nvestadvisors.com/faq-items/where-can-i-see-your-fees-and-pricing/) - Our regulatory disclosure brochures, which are given to you by law at the start of our relationship, covers these in detail. However, you can also learn more by clicking here (LINK).
- [How do you get paid?](https://nvestadvisors.com/faq-items/how-do-you-get-paid/) - Approximately 65% of our industry earn commissions from product sales or stock trades. We do not. Our clients pay us directly for advice and management services, which provides you a huge number of advantages. For example, by working for you directly, and not for a company trying to sell you one of its products, we
- [Can I work with you in person?](https://nvestadvisors.com/faq-items/can-i-work-with-you-in-person/) - Yes, but it’s not always needed. Most clients find video meetings more convenient and a better fit for your busy life. However, if you wish, you can meet us in person at our Colorado Springs office, or at an agreed-upon location in South Texas,
- [How long do meetings take?](https://nvestadvisors.com/faq-items/how-long-do-meetings-take/) - Typically, our first Q&A is scheduled for 30 minutes, but we allow a buffer for up to an hour if you need more time to discuss your concerns or have lots of questions. Most client service meetings are 45 minutes but we allow you to schedule time with us from 15 minutes to a full
- [Do you accept referrals? I have a family member also looking for an advisor.](https://nvestadvisors.com/faq-items/do-you-accept-referrals-i-have-a-family-member-also-looking-for-an-advisor/) - GLADLY. In fact, the best compliment we can ever receive is to earn your personal endorsement and referral of friends and family.
- [What should I bring to my first appointment?](https://nvestadvisors.com/faq-items/what-should-i-bring-to-my-first-appointment/) - All we need is you (and your partner, if you have one). Some prospective clients are comfortable sharing financial information or documents at the first meeting, but others are not. That decision is up to you. We will gather the information we need during our conversation, and if we decided together to go to the
- [Is there any obligation? Can I change my mind?](https://nvestadvisors.com/faq-items/is-there-any-obligation-can-i-change-my-mind/) - Of course you can change your mind. We want our clients to WANT to be here, so you’ll never feel pressure to come aboard or to stay. By law, all clients are provided with our disclosure brochures at the beginning of our relationship. We automatically wait at least 2 days after that for you to
- [How much will it cost me?](https://nvestadvisors.com/faq-items/how-much-will-it-cost-me/) - Our service fees depend on a number of factors, such as are you doing a financial plan, or investing with us, or both? The size of the investment account and which custodian we use is also a factor. In general terms, the MAXIMUM household investment fee is between 0.8% and 1.4%, depending on which custodian
- [**How do I roll over my retirement account from a previous employer?**](https://nvestadvisors.com/faq-items/how-do-i-roll-over-my-retirement-account-from-a-previous-employer/) - Every 401k plan has a process to move money out of the plan, and doing it incorrectly can cause you significant tax consequences. Although you can often initiate a rollover at the old plan on the website or with a phone call, you might find the process confusing or intimidating. Our team will happily help
- [What happens to my retirement plan if I leave the company?](https://nvestadvisors.com/faq-items/what-happens-to-my-retirement-plan-if-i-leave-the-company/) - You can leave the plan with the company, roll it over into a new employer's plan or into an IRA, or withdraw the funds (which may incur penalties). We help you do that from start to finish. Schedule a meeting with us to explore your options, including the option to become a private client to
- [How often can I change my investment choices?](https://nvestadvisors.com/faq-items/how-often-can-i-change-my-investment-choices/) - You can change your investment choices at any time through the plan’s website. If that is difficult or you need additional guidance, feel free to schedule a quick call with us: https://calendly.com/nvestadvisors/participant15
- [What are the fees associated with the plan and specific investments?](https://nvestadvisors.com/faq-items/what-are-the-fees-associated-with-the-plan-and-specific-investments/) - Fees may include administrative fees, investment management fees, and fund-specific expenses. Detailed fee information is available in your plan documents.
- [Can you explain the employer match and how it works?](https://nvestadvisors.com/faq-items/can-you-explain-the-employer-match-and-how-it-works/) - The employer match is a contribution your employer makes to your account that matches your contributions up to a certain percentage of your salary. Each employer’s formula can vary.
- [How much should I contribute to my retirement plan to ensure a comfortable retirement?](https://nvestadvisors.com/faq-items/how-much-should-i-contribute-to-my-retirement-plan-to-ensure-a-comfortable-retirement/) - Although everyone’s savings goal is a personal decision, as a general rule, it's recommended to save between 10% to 15% of your income, including any employer match. Adjust as needed based on your retirement goals. If you can’t start out with that, begin with enough to take advantage of any match your employer offers, and
- [What are the contribution limits for the plan?](https://nvestadvisors.com/faq-items/what-are-the-contribution-limits-for-the-plan/) - Every plan has different contribution limits, and your age will also impact that amount. They also change each year as the IRS updates the rules. You can always access the most current contributions on our Retirement Plan Basics page.
- [Can you explain the difference between pre-tax and Roth contributions?](https://nvestadvisors.com/faq-items/can-you-explain-the-difference-between-pre-tax-and-roth-contributions/) - Pre-tax contributions reduce your taxable income now but are taxed upon withdrawal. Roth contributions are made with after-tax dollars and withdrawals are tax-free in retirement.
- [How do I decide which investments are right for me?](https://nvestadvisors.com/faq-items/how-do-i-decide-which-investments-are-right-for-me/) - Consider your financial goals, risk tolerance, and investment horizon. We also offer tools and complimentary consultations to help you make informed choices. We are happy to assist you in making your initial choices and help you adjust them as things change. Participants in our plans can schedule a Q&A session with your plan’s advisor team
- [What are the investment options available to me?](https://nvestadvisors.com/faq-items/what-are-the-investment-options-available-to-me/) - Although the types of investments in each retirement plan differs slightly, generally the plans we oversee as the Plan Advisor will always offer a range of investment options including mutual funds, target-date funds, and stable value funds, among others. Each option has different risk and return profiles, and you will always have a big enough
- [How do I enroll in the retirement plan?](https://nvestadvisors.com/faq-items/how-do-i-enroll-in-the-retirement-plan/) - You can enroll through your plan’s online portal or by filling out an enrollment form. If you need assistance, please contact HR or your plan administrator. If you have additional questions about the enrollment process, please schedule a 30-minute call with our team: https://calendly.com/nvestadvisors/enroll30
- [What makes your advisory services stand out from others in the market?](https://nvestadvisors.com/faq-items/what-makes-your-advisory-services-stand-out-from-others-in-the-market/) - Our services stand out due to a highly personalized approach, extensive expertise, our commitment to transparency and fiduciary standards, and a track record of helping plans achieve substantial financial and compliance success. We genuinely want to come alongside your team as a partner, and our commitment to build a personal relationship with your employees is
- [How do you incorporate ESG factors into the investment process, if at all?](https://nvestadvisors.com/faq-items/how-do-you-incorporate-esg-factors-into-the-investment-process-if-at-all/) - ESG factors are incorporated based on individual participant preferences and the relevance to financial performance, using ESG-focused funds and strategies where appropriate to align with broader social and environmental goals.
- [What are the most common challenges you see with plans like ours and how do you address them?](https://nvestadvisors.com/faq-items/what-are-the-most-common-challenges-you-see-with-plans-like-ours-and-how-do-you-address-them/) - By far, the most common challenge we see is that employers underestimate their civil and regulatory liability as the plan’s sponsor. Plans are often not reviewed regularly and can become uncompetitive over time, which exposes the company to civil penalties and even class-action litigation. Regular due diligence reviews and competitive bids on your employer plan
- [How do you track and report on plan fees and expenses?](https://nvestadvisors.com/faq-items/how-do-you-track-and-report-on-plan-fees-and-expenses/) - Fees and expenses are tracked and reported with full transparency in regular financial statements and during plan reviews, detailing the cost-effectiveness of the plan and its investments. Plan fees are generally calculated and deducted from the custodial vendor who holds the plan’s assets, but we monitor them for accuracy.
- [Can you assist with the plan's audit and compliance testing processes?](https://nvestadvisors.com/faq-items/can-you-assist-with-the-plans-audit-and-compliance-testing-processes/) - Although most audit and compliance testing is conducted by the custodian/recordkeeper and a 3(16) plan administrator, we offer to provide our full support during audits and compliance testing for the portion of the audit that falls under our purview. We ensure all necessary documentation and reporting are prepared and processes adhere to regulatory requirements.
- [What steps do you take to ensure plan data security?](https://nvestadvisors.com/faq-items/what-steps-do-you-take-to-ensure-plan-data-security/) - Robust cybersecurity measures are in place, including encrypted data storage, secure communication channels, and regular security audits, to protect sensitive plan and participant data. The quality of cybersecurity of our vendors is also reviewed.
- [How do you manage conflicts of interest, especially regarding plan investments?](https://nvestadvisors.com/faq-items/how-do-you-manage-conflicts-of-interest-especially-regarding-plan-investments/) - We maintain strict adherence to ethical standards and transparency, routinely disclosing all potential conflicts of interest and avoiding any investment that does not serve the best interest of the plan participants.
- [What technology do you use to support plan administration and participant access?](https://nvestadvisors.com/faq-items/what-technology-do-you-use-to-support-plan-administration-and-participant-access/) - We and our plan custodians utilize state-of-the-art financial technology platforms that facilitate plan administration, enhance participant access to information, and streamline the management and reporting processes.
- [How do you ensure the plan aligns with our company’s goals and employee needs?](https://nvestadvisors.com/faq-items/how-do-you-ensure-the-plan-aligns-with-our-companys-goals-and-employee-needs/) - It's all about getting to meet your team and learning what matters to you. We engage in regular consultations with your team to ensure the plan remains aligned with company goals and employee needs, making adjustments as necessary to address changes and opportunities.
- [Can you provide references from other clients with similar plans?](https://nvestadvisors.com/faq-items/can-you-provide-references-from-other-clients-with-similar-plans/) - Yes, references from current and former clients with similar plan types are available upon request to attest to the quality and effectiveness of the services provided.
- [What is your approach to risk management and asset allocation?*](https://nvestadvisors.com/faq-items/what-is-your-approach-to-risk-management-and-asset-allocation/) - Risk management is a fundamental part of our investing philosophy. While generally tailored to the demographic and financial profiles of plan participants (in which case, we would recommend appropriate diversified asset allocation strategies to minimize risk while targeting desired returns), we also monitor and adjust our models and recommendations to changes in the broader economy.
- [How do you handle participant inquiries and support?](https://nvestadvisors.com/faq-items/how-do-you-handle-participant-inquiries-and-support/) - We offer direct support for participants through phone, text, email, and in-person meetings, ensuring they receive timely and clear answers to their inquiries.
- [What is your process for selecting and monitoring investment options?](https://nvestadvisors.com/faq-items/what-is-your-process-for-selecting-and-monitoring-investment-options/) - Our process involves thorough market research, performance analysis, and risk assessment, followed by regular monitoring and rebalancing of investments to align with strategic goals. If your plan vendor permits, we also maintain a number of proprietary investment models that we make available for your participants that incorporate our economic and market strategies normally available only
- [How often will you review our plan's performance with us?](https://nvestadvisors.com/faq-items/how-often-will-you-review-our-plans-performance-with-us/) - Plan performance is internally reviewed at least quarterly and presented to you annually, but we are always available for additional reviews as requested or when significant market or organizational changes occur.
- [What kind of reporting will you provide to us?](https://nvestadvisors.com/faq-items/what-kind-of-reporting-will-you-provide-to-us/) - You will receive comprehensive, easy-to-understand reports detailing plan performance, investment analysis, participant behavior, and administrative aspects on an annual basis, or as needed. Your plan’s custodian and recordkeeper provides monthly reports of activity directly to you.
- [How do you educate and engage plan participants?](https://nvestadvisors.com/faq-items/how-do-you-educate-and-engage-plan-participants/) - We employ a variety of methods to educate and engage participants, including monthly newsletters, quarterly workshops, one-on-one consultations, informational webinars, and detailed, user-friendly written communications.
- [Can you assist with plan design and structure?](https://nvestadvisors.com/faq-items/can-you-assist-with-plan-design-and-structure/) - Absolutely. We can assist in designing and structuring the plan to meet specific organizational goals, ensuring it is both compliant and optimized for tax benefits and retirement outcomes. We can even assume a more responsible role as an ERISA 3(38) Plan Manager, if you desire.
- [How will you help us comply with ERISA and other regulations?](https://nvestadvisors.com/faq-items/how-will-you-help-us-comply-with-erisa-and-other-regulations/) - Compliance is integral to our plan advisory services.. We provide regular updates on regulatory changes, assist with ERISA compliance, and ensure the plan adheres to all applicable laws and regulations through meticulous documentation and processes.
- [What services do you provide in addition to investment management?](https://nvestadvisors.com/faq-items/what-services-do-you-provide-in-addition-to-investment-management/) - Beyond investment management and non-discretionary investment support for your participants, we provide services including plan design consultation, compliance support, participant education, and ongoing plan evaluation to ensure it meets evolving needs and regulations. We provide concierge service to help your employees roll assets into and out of the plan, and offer complimentary private meetings with
- [How do you structure your fees? Are there any potential conflicts of interest?](https://nvestadvisors.com/faq-items/how-do-you-structure-your-fees-are-there-any-potential-conflicts-of-interest/) - Our advisory fees are structured as a percentage of assets under management, ensuring transparency and alignment with the interests of the plan and its participants. Plan advisory fees are generally on a “breakpoint” scale, and our percentage drops as plan assets grow. We avoid any arrangements that could lead to conflicts of interest.
- [What types of retirement plans do you specialize in (e.g., 401(k), 403(b), etc.)?](https://nvestadvisors.com/faq-items/what-types-of-retirement-plans-do-you-specialize-in-e-g-401k-403b-etc/) - We specialize in a variety of retirement plans including SEP and SIMPLE IRAs, 401(k), 403(b), and 457 plans, providing tailored advice and management to meet the unique needs of each plan type.
- [Are you a fiduciary, and will you sign a fiduciary pledge?](https://nvestadvisors.com/faq-items/are-you-a-fiduciary-and-will-you-sign-a-fiduciary-pledge/) - Yes, all of the advisors in our firm are fiduciaries and our role as a fiduciary is carefully detailed in our dlsclosure brochures and your service agreement. We are committed to act in the best interests of the plan participants and sponsors, with integrity and transparency.
- [How do you handle fiduciary responsibilities?](https://nvestadvisors.com/faq-items/how-do-you-handle-fiduciary-responsibilities/) - As a fee-only registered investment advisory firm, and an ERISA 3(21) or 3(38) plan fiduciary, we adhere strictly to established fiduciary standards, acting in the best interest of the plan participants at all times. This includes providing transparent advice, avoiding conflicts of interest, and ensuring that all decisions are made with due diligence and in
- [Can you describe your investment philosophy for retirement plans?](https://nvestadvisors.com/faq-items/can-you-describe-your-investment-philosophy-for-retirement-plans/) - Our general investment philosophy is based on long-term growth, risk management, and diversification with a unique focus on the impact the economy will have on investment returns in the near-term. We prioritize the investment strateg of your plan participants based on their unique goals and risk tolerances, and they have the help of a fiduciary
- [What experience do you have with company retirement plans similar to ours?](https://nvestadvisors.com/faq-items/what-experience-do-you-have-with-company-retirement-plans-similar-to-ours/) - We have been working with small businesses on their corporate investing and cash needs, and retirement plans, since 2008. We have extensive experience managing a diverse range of company retirement plans from solo entrepreneurs to established companies with hundreds of employees. This includes designing, implementing, and maintaining plans to meet various financial goals and compliance
- [What can I expect from my free consultation?](https://nvestadvisors.com/faq-items/mauris-venenatis-nunc-rhoncus-egesta/) - You will meet with Jeremy (or a registered advisor on our team) for 30 minutes. This will be an introductory call, where we can discuss whatever you feel comfortable sharing. Typically, we spend the time just assessing if we'd be a good fit for your needs. This will be a high-level discussion and will not
- [What can I expect from your financial planning services?](https://nvestadvisors.com/faq-items/phasellus-finibus-mi-a-accumsan/) - We discuss your financial goals, your current lifestyle and expenditure, your current accounts, and more. Then, we will devise a tailored, action-based plan, which will include details on spending and saving goals, what types of accounts to open, and much more.
- [I already have a financial plan. Can you help me implement it?](https://nvestadvisors.com/faq-items/sed-bibendum-nulla-ligula/) - Yes! While every client's scenario is different and we reserve the right to review before we commit to a service, we highly recommend signing up for a free audit so that we can provide additional insight and start implementing it.
- [What can we expect from your financial education offerings?](https://nvestadvisors.com/faq-items/aenean-luctus-libero-insu-nibh/) - Over the next few months, we will be releasing courses, webinars, and trainings offering financial guidance, investment knowledge, and actionable and specific recommendations. All of these will be virtual and accessible to everyone in the United States.
- [Are there any income or minimum portfolio requirements for your services?](https://nvestadvisors.com/faq-items/donec-id-ligula-vel-placerat/) - No, our investment advisory services do not have any income or minimum portfolio requirements. For our premium investment advisory services, we have a $100K portfolio minimum.
- [I'm worried about an upcoming recession. What can I do to secure my portfolio?](https://nvestadvisors.com/faq-items/curabitur-feug-scelerisque-tempor/) - Our investment methodology takes into account macroeconomic trends and adjusts portfolios accordingly. What you can do depends on your portfolio makeup, your risk appetite, and other factors. For those with managed portfolios, we recommend scheduling a call with your investment advisors to understand the specific impact to your investments. For DIY investors, we recommend understanding

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- [financial planning](https://nvestadvisors.com/tag/financial-planning/)
- [investments](https://nvestadvisors.com/tag/investments/)
- [plan](https://nvestadvisors.com/tag/plan/)
- [salesperson](https://nvestadvisors.com/tag/salesperson/)
- [stocks](https://nvestadvisors.com/tag/stocks/)
- [401k](https://nvestadvisors.com/tag/401k/)
- [behavior](https://nvestadvisors.com/tag/behavior/)
- [correction](https://nvestadvisors.com/tag/correction/)
- [downturn](https://nvestadvisors.com/tag/downturn/)
- [finance](https://nvestadvisors.com/tag/finance/)
- [investing](https://nvestadvisors.com/tag/investing/)
- [money](https://nvestadvisors.com/tag/money/)
- [recession](https://nvestadvisors.com/tag/recession/)
- [retirement](https://nvestadvisors.com/tag/retirement/)
- [risk](https://nvestadvisors.com/tag/risk/)
- [savings](https://nvestadvisors.com/tag/savings/)
- [scary](https://nvestadvisors.com/tag/scary/)
- [volatility](https://nvestadvisors.com/tag/volatility/)
- [invest](https://nvestadvisors.com/tag/invest/)
- [investor](https://nvestadvisors.com/tag/investor/)
- [markets](https://nvestadvisors.com/tag/markets/)
- [Money n30](https://nvestadvisors.com/tag/money-n30/)
- [podcast](https://nvestadvisors.com/tag/podcast/)
- [agent](https://nvestadvisors.com/tag/agent/)
- [avoid](https://nvestadvisors.com/tag/avoid/)
- [bond](https://nvestadvisors.com/tag/bond/)
- [financial advisor](https://nvestadvisors.com/tag/financial-advisor/)
- [insurance](https://nvestadvisors.com/tag/insurance/)
- [market](https://nvestadvisors.com/tag/market/)
- [pro](https://nvestadvisors.com/tag/pro/)
- [sales](https://nvestadvisors.com/tag/sales/)
- [sales rep](https://nvestadvisors.com/tag/sales-rep/)
- [sketchy](https://nvestadvisors.com/tag/sketchy/)
- [sketchy salesperson](https://nvestadvisors.com/tag/sketchy-salesperson/)
- [sleazy](https://nvestadvisors.com/tag/sleazy/)
- [education](https://nvestadvisors.com/tag/education/)
- [ponzi scheme](https://nvestadvisors.com/tag/ponzi-scheme/)
- [business](https://nvestadvisors.com/tag/business/)
- [change](https://nvestadvisors.com/tag/change/)
- [colorado](https://nvestadvisors.com/tag/colorado/)
- [financial](https://nvestadvisors.com/tag/financial/)
- [fire your advisor](https://nvestadvisors.com/tag/fire-your-advisor/)
- [planner](https://nvestadvisors.com/tag/planner/)
- [texas](https://nvestadvisors.com/tag/texas/)
- [you're fired](https://nvestadvisors.com/tag/youre-fired/)
- [Denver](https://nvestadvisors.com/tag/denver/)
- [relocation](https://nvestadvisors.com/tag/relocation/)
- [service](https://nvestadvisors.com/tag/service/)
- [update](https://nvestadvisors.com/tag/update/)
- [annuity](https://nvestadvisors.com/tag/annuity/)
- [commissions](https://nvestadvisors.com/tag/commissions/)
- [DOL](https://nvestadvisors.com/tag/dol/)
- [fees](https://nvestadvisors.com/tag/fees/)
- [fiduciary](https://nvestadvisors.com/tag/fiduciary/)
- [fiduciary rule](https://nvestadvisors.com/tag/fiduciary-rule/)
- [investment](https://nvestadvisors.com/tag/investment/)
- [mutual funds](https://nvestadvisors.com/tag/mutual-funds/)
- [nVest](https://nvestadvisors.com/tag/nvest/)
- [rep](https://nvestadvisors.com/tag/rep/)
- [RIA](https://nvestadvisors.com/tag/ria/)
- [SEC](https://nvestadvisors.com/tag/sec/)
- [403b](https://nvestadvisors.com/tag/403b/)
- [457](https://nvestadvisors.com/tag/457/)
- [IRA](https://nvestadvisors.com/tag/ira/)
- [taxes](https://nvestadvisors.com/tag/taxes/)
- [permanent](https://nvestadvisors.com/tag/permanent/)
- [term](https://nvestadvisors.com/tag/term/)
- [CDs](https://nvestadvisors.com/tag/cds/)
- [economy](https://nvestadvisors.com/tag/economy/)
- [fed](https://nvestadvisors.com/tag/fed/)
- [interest rates](https://nvestadvisors.com/tag/interest-rates/)
- [stock market](https://nvestadvisors.com/tag/stock-market/)
- [credit card](https://nvestadvisors.com/tag/credit-card/)
- [theft](https://nvestadvisors.com/tag/theft/)
- [active](https://nvestadvisors.com/tag/active/)
- [client](https://nvestadvisors.com/tag/client/)
- [email](https://nvestadvisors.com/tag/email/)
- [portfolio](https://nvestadvisors.com/tag/portfolio/)
- [positive](https://nvestadvisors.com/tag/positive/)
- [relationship](https://nvestadvisors.com/tag/relationship/)
- [2018](https://nvestadvisors.com/tag/2018/)
- [LifeCycle](https://nvestadvisors.com/tag/lifecycle/)
- [nVestor](https://nvestadvisors.com/tag/nvestor/)
- [announcement](https://nvestadvisors.com/tag/announcement/)
- [news](https://nvestadvisors.com/tag/news/)
- [nVest Advisors](https://nvestadvisors.com/tag/nvest-advisors/)
- [Bitcoin](https://nvestadvisors.com/tag/bitcoin/)
- [Crypto](https://nvestadvisors.com/tag/crypto/)
- [tax](https://nvestadvisors.com/tag/tax/)
- [event](https://nvestadvisors.com/tag/event/)
- [market volatility](https://nvestadvisors.com/tag/market-volatility/)
- [holidays](https://nvestadvisors.com/tag/holidays/)
- [hours](https://nvestadvisors.com/tag/hours/)
- [summer](https://nvestadvisors.com/tag/summer/)
- [vacation](https://nvestadvisors.com/tag/vacation/)
- [client service](https://nvestadvisors.com/tag/client-service/)
- [custodian](https://nvestadvisors.com/tag/custodian/)
- [TD Ameritrade](https://nvestadvisors.com/tag/td-ameritrade/)
- [regulator](https://nvestadvisors.com/tag/regulator/)
- [Betterment](https://nvestadvisors.com/tag/betterment/)
- [advice](https://nvestadvisors.com/tag/advice/)
- [Android](https://nvestadvisors.com/tag/android/)
- [app](https://nvestadvisors.com/tag/app/)
- [customer](https://nvestadvisors.com/tag/customer/)
- [feature](https://nvestadvisors.com/tag/feature/)
- [iPhone](https://nvestadvisors.com/tag/iphone/)
- [MyWealthAdvisor](https://nvestadvisors.com/tag/mywealthadvisor/)
- [tech](https://nvestadvisors.com/tag/tech/)
- [updates](https://nvestadvisors.com/tag/updates/)
- [holiday](https://nvestadvisors.com/tag/holiday/)
- [cycles](https://nvestadvisors.com/tag/cycles/)
- [emotion](https://nvestadvisors.com/tag/emotion/)
- [Facebook](https://nvestadvisors.com/tag/facebook/)
- [FB](https://nvestadvisors.com/tag/fb/)
- [headlines](https://nvestadvisors.com/tag/headlines/)
- [media](https://nvestadvisors.com/tag/media/)
- [SEP IRA](https://nvestadvisors.com/tag/sep-ira/)
- [SIMPLE IRA](https://nvestadvisors.com/tag/simple-ira/)
- [nVestMe](https://nvestadvisors.com/tag/nvestme/)
- [plan participant](https://nvestadvisors.com/tag/plan-participant/)
- [SEP](https://nvestadvisors.com/tag/sep/)
- [SIMPLE](https://nvestadvisors.com/tag/simple/)
- [sponsor](https://nvestadvisors.com/tag/sponsor/)
- [2019](https://nvestadvisors.com/tag/2019/)
- [new year](https://nvestadvisors.com/tag/new-year/)
- [resolutions](https://nvestadvisors.com/tag/resolutions/)
- [bear market](https://nvestadvisors.com/tag/bear-market/)
- [bull market](https://nvestadvisors.com/tag/bull-market/)
- [market timing](https://nvestadvisors.com/tag/market-timing/)
- [clients](https://nvestadvisors.com/tag/clients/)
- [customers](https://nvestadvisors.com/tag/customers/)
- [financial plans](https://nvestadvisors.com/tag/financial-plans/)
- [nVest Academy](https://nvestadvisors.com/tag/nvest-academy/)
- [training](https://nvestadvisors.com/tag/training/)
- [webinars](https://nvestadvisors.com/tag/webinars/)
- [derivatives](https://nvestadvisors.com/tag/derivatives/)
- [DOW](https://nvestadvisors.com/tag/dow/)
- [lose](https://nvestadvisors.com/tag/lose/)
- [loss](https://nvestadvisors.com/tag/loss/)
- [lost](https://nvestadvisors.com/tag/lost/)
- [NASDAQ](https://nvestadvisors.com/tag/nasdaq/)
- [options](https://nvestadvisors.com/tag/options/)
- [recover](https://nvestadvisors.com/tag/recover/)
- [S&P](https://nvestadvisors.com/tag/sp/)
- [short sale](https://nvestadvisors.com/tag/short-sale/)
- [short selling](https://nvestadvisors.com/tag/short-selling/)
- [stock broker](https://nvestadvisors.com/tag/stock-broker/)
- [planning](https://nvestadvisors.com/tag/planning/)
- [communication](https://nvestadvisors.com/tag/communication/)
- [video](https://nvestadvisors.com/tag/video/)
- [financial plan](https://nvestadvisors.com/tag/financial-plan/)
- [life insurance](https://nvestadvisors.com/tag/life-insurance/)
- [background](https://nvestadvisors.com/tag/background/)
- [criminal](https://nvestadvisors.com/tag/criminal/)
- [hoax](https://nvestadvisors.com/tag/hoax/)
- [ponzi](https://nvestadvisors.com/tag/ponzi/)
- [regulatory](https://nvestadvisors.com/tag/regulatory/)
- [rules](https://nvestadvisors.com/tag/rules/)
- [scam](https://nvestadvisors.com/tag/scam/)
- [articles](https://nvestadvisors.com/tag/articles/)
- [information](https://nvestadvisors.com/tag/information/)
- [nVest Business](https://nvestadvisors.com/tag/nvest-business/)
- [seminar](https://nvestadvisors.com/tag/seminar/)
- [site](https://nvestadvisors.com/tag/site/)
- [webinar](https://nvestadvisors.com/tag/webinar/)
- [Calendar](https://nvestadvisors.com/tag/calendar/)
- [RGV](https://nvestadvisors.com/tag/rgv/)
- [college savings](https://nvestadvisors.com/tag/college-savings/)
- [wealth](https://nvestadvisors.com/tag/wealth/)
- [appointment](https://nvestadvisors.com/tag/appointment/)
- [age](https://nvestadvisors.com/tag/age/)
- [health](https://nvestadvisors.com/tag/health/)
- [how long will I live](https://nvestadvisors.com/tag/how-long-will-i-live/)
- [life expectancy](https://nvestadvisors.com/tag/life-expectancy/)
- [best interest](https://nvestadvisors.com/tag/best-interest/)
- [registered rep](https://nvestadvisors.com/tag/registered-rep/)
- [Regulation BI](https://nvestadvisors.com/tag/regulation-bi/)
- [rule](https://nvestadvisors.com/tag/rule/)
- [sales agent](https://nvestadvisors.com/tag/sales-agent/)
- [selling](https://nvestadvisors.com/tag/selling/)
- [Bob Veres](https://nvestadvisors.com/tag/bob-veres/)
- [book](https://nvestadvisors.com/tag/book/)
- [ebook](https://nvestadvisors.com/tag/ebook/)
- [finances](https://nvestadvisors.com/tag/finances/)
- [free](https://nvestadvisors.com/tag/free/)
- [knowledge](https://nvestadvisors.com/tag/knowledge/)
- [offer](https://nvestadvisors.com/tag/offer/)
- [personal finance](https://nvestadvisors.com/tag/personal-finance/)
- [Veres](https://nvestadvisors.com/tag/veres/)
- [company](https://nvestadvisors.com/tag/company/)
- [company-sponsored](https://nvestadvisors.com/tag/company-sponsored/)
- [employer-sponsored](https://nvestadvisors.com/tag/employer-sponsored/)
- [ERISA](https://nvestadvisors.com/tag/erisa/)
- [fired](https://nvestadvisors.com/tag/fired/)
- [job](https://nvestadvisors.com/tag/job/)
- [laid off](https://nvestadvisors.com/tag/laid-off/)
- [retire](https://nvestadvisors.com/tag/retire/)
- [retired](https://nvestadvisors.com/tag/retired/)
- [roll over](https://nvestadvisors.com/tag/roll-over/)
- [rollover](https://nvestadvisors.com/tag/rollover/)
- [ROTH](https://nvestadvisors.com/tag/roth/)
- [saving](https://nvestadvisors.com/tag/saving/)
- [macro](https://nvestadvisors.com/tag/macro/)
- [macroeconomics](https://nvestadvisors.com/tag/macroeconomics/)
- [yields](https://nvestadvisors.com/tag/yields/)
- [strategy](https://nvestadvisors.com/tag/strategy/)
- [economics](https://nvestadvisors.com/tag/economics/)
- [US economy](https://nvestadvisors.com/tag/us-economy/)
- [global economy](https://nvestadvisors.com/tag/global-economy/)
- [money management](https://nvestadvisors.com/tag/money-management/)
- [housing](https://nvestadvisors.com/tag/housing/)
- [CPI](https://nvestadvisors.com/tag/cpi/)
- [PCE](https://nvestadvisors.com/tag/pce/)
- [inflation](https://nvestadvisors.com/tag/inflation/)
- [Eurozone](https://nvestadvisors.com/tag/eurozone/)
- [dollar](https://nvestadvisors.com/tag/dollar/)
- [FTX](https://nvestadvisors.com/tag/ftx/)
- [mortgage](https://nvestadvisors.com/tag/mortgage/)
- [GDP](https://nvestadvisors.com/tag/gdp/)
- [consumer](https://nvestadvisors.com/tag/consumer/)
- [oil](https://nvestadvisors.com/tag/oil/)
- [diesel](https://nvestadvisors.com/tag/diesel/)
- [China](https://nvestadvisors.com/tag/china/)
- [lockdowns](https://nvestadvisors.com/tag/lockdowns/)
- [labor](https://nvestadvisors.com/tag/labor/)
- [rent](https://nvestadvisors.com/tag/rent/)
- [IRS](https://nvestadvisors.com/tag/irs/)
- [ROTH IRA](https://nvestadvisors.com/tag/roth-ira/)
- [RMD](https://nvestadvisors.com/tag/rmd/)
- [401a](https://nvestadvisors.com/tag/401a/)
- [layoff](https://nvestadvisors.com/tag/layoff/)
- [lost job](https://nvestadvisors.com/tag/lost-job/)
- [relocate](https://nvestadvisors.com/tag/relocate/)
- [furlough](https://nvestadvisors.com/tag/furlough/)
- [models](https://nvestadvisors.com/tag/models/)
- [OPEC](https://nvestadvisors.com/tag/opec/)
- [Layoffs](https://nvestadvisors.com/tag/layoffs/)
- [hospitality](https://nvestadvisors.com/tag/hospitality/)
- [manufacturing](https://nvestadvisors.com/tag/manufacturing/)
- [professional](https://nvestadvisors.com/tag/professional/)
- [risk management](https://nvestadvisors.com/tag/risk-management/)
- [volatile](https://nvestadvisors.com/tag/volatile/)
- [CNBC](https://nvestadvisors.com/tag/cnbc/)
- [Fox](https://nvestadvisors.com/tag/fox/)
- [behavioral finance](https://nvestadvisors.com/tag/behavioral-finance/)
- [energy](https://nvestadvisors.com/tag/energy/)
- [LNG](https://nvestadvisors.com/tag/lng/)
- [europe](https://nvestadvisors.com/tag/europe/)
- [United States](https://nvestadvisors.com/tag/united-states/)
- [sector](https://nvestadvisors.com/tag/sector/)
- [retail](https://nvestadvisors.com/tag/retail/)
- [transportation](https://nvestadvisors.com/tag/transportation/)
- [services](https://nvestadvisors.com/tag/services/)
- [participation rate](https://nvestadvisors.com/tag/participation-rate/)
- [debt](https://nvestadvisors.com/tag/debt/)
- [debt management](https://nvestadvisors.com/tag/debt-management/)
- [debt plan](https://nvestadvisors.com/tag/debt-plan/)
- [interest](https://nvestadvisors.com/tag/interest/)
- [bankruptcy](https://nvestadvisors.com/tag/bankruptcy/)
- [foreclosure](https://nvestadvisors.com/tag/foreclosure/)
- [debt consolidation](https://nvestadvisors.com/tag/debt-consolidation/)
- [leverage](https://nvestadvisors.com/tag/leverage/)
- [credit cards](https://nvestadvisors.com/tag/credit-cards/)
- [SBF](https://nvestadvisors.com/tag/sbf/)
- [Sam Bankman-Fried](https://nvestadvisors.com/tag/sam-bankman-fried/)
- [Bernie Madoff](https://nvestadvisors.com/tag/bernie-madoff/)
- [cryptocurrency](https://nvestadvisors.com/tag/cryptocurrency/)
- [Alameda Research](https://nvestadvisors.com/tag/alameda-research/)
- [fraud](https://nvestadvisors.com/tag/fraud/)
- [corrupt](https://nvestadvisors.com/tag/corrupt/)
- [crook](https://nvestadvisors.com/tag/crook/)
- [offshore](https://nvestadvisors.com/tag/offshore/)
- [platform](https://nvestadvisors.com/tag/platform/)
- [investment management](https://nvestadvisors.com/tag/investment-management/)
- [investment strategy](https://nvestadvisors.com/tag/investment-strategy/)
- [SOLO](https://nvestadvisors.com/tag/solo/)
- [Individual](https://nvestadvisors.com/tag/individual/)
- [Owner-Only](https://nvestadvisors.com/tag/owner-only/)
- [plan sponsor](https://nvestadvisors.com/tag/plan-sponsor/)
- [employer](https://nvestadvisors.com/tag/employer/)
- [non-ERISA](https://nvestadvisors.com/tag/non-erisa/)
- [company plan](https://nvestadvisors.com/tag/company-plan/)
- [state-sponsored IRA](https://nvestadvisors.com/tag/state-sponsored-ira/)
- [benefits](https://nvestadvisors.com/tag/benefits/)
- [human resources](https://nvestadvisors.com/tag/human-resources/)
- [payroll](https://nvestadvisors.com/tag/payroll/)
- [small business](https://nvestadvisors.com/tag/small-business/)
- [Austen Rubino](https://nvestadvisors.com/tag/austen-rubino/)
- [discretion](https://nvestadvisors.com/tag/discretion/)
- [discretionary](https://nvestadvisors.com/tag/discretionary/)
- [change advisors](https://nvestadvisors.com/tag/change-advisors/)
- [fire my advisor](https://nvestadvisors.com/tag/fire-my-advisor/)
- [replacement](https://nvestadvisors.com/tag/replacement/)
- [replace](https://nvestadvisors.com/tag/replace/)
- [NFIB](https://nvestadvisors.com/tag/nfib/)
- [CORE CPI](https://nvestadvisors.com/tag/core-cpi/)
- [PMI](https://nvestadvisors.com/tag/pmi/)
- [Retirement Plan](https://nvestadvisors.com/tag/retirement-plan/)
- [Employer-Sponsored Plan](https://nvestadvisors.com/tag/employer-sponsored-plan/)
- [Defined Benefit](https://nvestadvisors.com/tag/defined-benefit/)
- [Defined Contribution](https://nvestadvisors.com/tag/defined-contribution/)
- [Kansas](https://nvestadvisors.com/tag/kansas/)
- [Utah](https://nvestadvisors.com/tag/utah/)
- [California](https://nvestadvisors.com/tag/california/)
- [New York](https://nvestadvisors.com/tag/new-york/)
- [Department of Labor](https://nvestadvisors.com/tag/department-of-labor/)
- [Phillips Curve](https://nvestadvisors.com/tag/phillips-curve/)
- [Leading Indicators](https://nvestadvisors.com/tag/leading-indicators/)
- [Conference Board](https://nvestadvisors.com/tag/conference-board/)
- [checking](https://nvestadvisors.com/tag/checking/)
- [high yield](https://nvestadvisors.com/tag/high-yield/)
- [cash](https://nvestadvisors.com/tag/cash/)
- [cash reserve](https://nvestadvisors.com/tag/cash-reserve/)
- [self-directed](https://nvestadvisors.com/tag/self-directed/)
- [self-managed](https://nvestadvisors.com/tag/self-managed/)
- [low cost](https://nvestadvisors.com/tag/low-cost/)
- [Gen Z](https://nvestadvisors.com/tag/gen-z/)
- [Millennial](https://nvestadvisors.com/tag/millennial/)
- [Gen X](https://nvestadvisors.com/tag/gen-x/)
- [Gen Y](https://nvestadvisors.com/tag/gen-y/)
- [empowerment](https://nvestadvisors.com/tag/empowerment/)
- [trends](https://nvestadvisors.com/tag/trends/)
- [2023](https://nvestadvisors.com/tag/2023/)
- [economic](https://nvestadvisors.com/tag/economic/)
- [ESG](https://nvestadvisors.com/tag/esg/)
- [sustainable](https://nvestadvisors.com/tag/sustainable/)
- [robo](https://nvestadvisors.com/tag/robo/)
- [robo advisor](https://nvestadvisors.com/tag/robo-advisor/)
- [human advisor](https://nvestadvisors.com/tag/human-advisor/)
- [appointments](https://nvestadvisors.com/tag/appointments/)
- [RIA firm](https://nvestadvisors.com/tag/ria-firm/)
- [Oklahoma](https://nvestadvisors.com/tag/oklahoma/)
- [Wyoming](https://nvestadvisors.com/tag/wyoming/)
- [New Mexico](https://nvestadvisors.com/tag/new-mexico/)
- [sivb](https://nvestadvisors.com/tag/sivb/)
- [silicon valley bank](https://nvestadvisors.com/tag/silicon-valley-bank/)
- [signature](https://nvestadvisors.com/tag/signature/)
- [signature bank](https://nvestadvisors.com/tag/signature-bank/)
- [silvergate](https://nvestadvisors.com/tag/silvergate/)
- [FDIC](https://nvestadvisors.com/tag/fdic/)
- [Wells Fargo](https://nvestadvisors.com/tag/wells-fargo/)
- [Federal Reserve](https://nvestadvisors.com/tag/federal-reserve/)
- [Treasury](https://nvestadvisors.com/tag/treasury/)
- [liquidity](https://nvestadvisors.com/tag/liquidity/)
- [liquid assets](https://nvestadvisors.com/tag/liquid-assets/)
- [money market](https://nvestadvisors.com/tag/money-market/)
- [notes](https://nvestadvisors.com/tag/notes/)
- [bills](https://nvestadvisors.com/tag/bills/)
- [commercial paper](https://nvestadvisors.com/tag/commercial-paper/)
- [SIPC](https://nvestadvisors.com/tag/sipc/)
- [Charles Schwab](https://nvestadvisors.com/tag/charles-schwab/)
- [flexible schedule](https://nvestadvisors.com/tag/flexible-schedule/)
- [professional development](https://nvestadvisors.com/tag/professional-development/)
- [health insurance](https://nvestadvisors.com/tag/health-insurance/)
- [PTO](https://nvestadvisors.com/tag/pto/)
- [paid time off](https://nvestadvisors.com/tag/paid-time-off/)
- [client town hall](https://nvestadvisors.com/tag/client-town-hall/)
- [family](https://nvestadvisors.com/tag/family/)
- [Colorado Secure Savings](https://nvestadvisors.com/tag/colorado-secure-savings/)
- [Secure Savings](https://nvestadvisors.com/tag/secure-savings/)
- [state-run IRA](https://nvestadvisors.com/tag/state-run-ira/)
- [stagflation](https://nvestadvisors.com/tag/stagflation/)
- [company news](https://nvestadvisors.com/tag/company-news/)
- [Schwab](https://nvestadvisors.com/tag/schwab/)
- [merger](https://nvestadvisors.com/tag/merger/)
- [risk tolerance](https://nvestadvisors.com/tag/risk-tolerance/)
- [office hours](https://nvestadvisors.com/tag/office-hours/)
- [holiday hours](https://nvestadvisors.com/tag/holiday-hours/)
- [client news](https://nvestadvisors.com/tag/client-news/)
- [schedule](https://nvestadvisors.com/tag/schedule/)
- [may](https://nvestadvisors.com/tag/may/)
- [june](https://nvestadvisors.com/tag/june/)
- [july](https://nvestadvisors.com/tag/july/)
- [memorial day](https://nvestadvisors.com/tag/memorial-day/)
- [juneteenth](https://nvestadvisors.com/tag/juneteenth/)
- [independence day](https://nvestadvisors.com/tag/independence-day/)
- [bud light](https://nvestadvisors.com/tag/bud-light/)
- [bud](https://nvestadvisors.com/tag/bud/)
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