N
NiRo Nivesto LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$2,670,165
Clients
7
0% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
7
LowAverage account size
$381,452
About
NiRo Nivesto LLC serves individuals, families, and small business owners—including physicians and other healthcare professionals—providing fee-only wealth management, retirement and tax planning, and business and financial consulting. The firm also offers one-time non-discretionary financial planning, acts as a non-discretionary trust protector for irrevocable trusts (including Medicaid Asset Protection Trusts), and provides transition support for clients undergoing widowhood or divorce.
The adviser follows a proprietary PRAG (Protect and Grow) investment philosophy that combines strategic and tactical asset allocation with tax-aware techniques, including direct indexing, model indexing, and tax-loss harvesting, informed by fundamental and macroeconomic analysis. Much of the firm’s work is conducted on a non-discretionary basis—implementation is left to clients or provided only under separate written agreements—and discretionary authority is exercised only when explicitly granted.
Compared with many peers, Nivesto emphasizes non-discretionary oversight roles (trust protector and consultative business services) and targeted consulting on entity structure and retirement plan options for small business owners and healthcare professionals. The state-registered adviser, founded in 2025, manages $2,859,588.37 in client assets and discloses that direct- or model-indexing strategies may involve separate third-party platform or indexing fees.
Client services
Financial planning
Portfolio management
Expertise
Tax-loss harvesting
General retirement planning
Roth conversion strategy
Business ownership considerations
Retirement plans for business owners (SEP, solo 401k)
Occupation focus
Doctor or Medical Professional
Founder/Business Owner
Fee options
One-time financial planning flat fee ranging from $1,000 to $2,500; business consulting fees flat fee (one-time or recurring) negotiable.
$0.00 - $499,999.99: 1.50% $500,000.00 - $999,999.99: 1.25% $1,000,000.00 - $1,999,999.99: 1.00%
Fee-only: Investment advisory fee based on assets under management per tiered schedule; also flat fees for financial planning ($1,000 to $2,500) and business consulting (negotiable flat fee). No commissions earned.
Main office location
NiRo Nivesto LLC
Garnet Valley PA, United States
Number of offices
1
Most active in
NiRo Nivesto LLC has reported serving >5 clients in these states in the last 12 months.
Pennsylvania
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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