Top Financial Advisors in Nebraska

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Avior Wealth Management has been registered as an advisor with the SEC since 2008. According to SEC documents, the firm works primarily with individuals, including non-high-net-worth and high-net-worth individuals, but also serves banks, thrift institutions, pension plans, trusts, estates, charitable organizations and businesses. It specializes in the following topics:

• Retirement services

• Investments

• Cash management

• Education planning

• Survivor and asset protection

• Estate plan coordination

• Tax plan coordination

This is a fee-based firm. That means some advisors can sell insurance products on a commission basis. While this creates a potential conflict of interest, the firm is legally bound by fiduciary duty to act in your best interest.

There is no set account minimum.

Avior Wealth Management Background

Avior Wealth Management has been registered with the SEC since 2008. Its current owners are Andrea P. McMahon, Rodney W. Goben, Britt E. Campbell, Stephen Esch, Elizabeth Sanley, Cynthia Bohrer, Jay Nelson, Scott Cavey, Josh Heiden, Steve Ryherd, Ryan Elkins, Michael Pfluger, Don Stanley, Larry Ennenga, Mark Pogreba and Joni Seaton.

The firm’s advisor team features several professional designations, such as certified financial planner (CFP), chartered financial analyst (CFA), accredited investment fiduciary (AIF), chartered retirement planning counselor (CRPC), certified investment management analyst (CIMA), certfied wealth strategist (CWS) and chartered financial consultant (ChFC).

Avior Wealth Management Investing Approach 

The Avior Wealth Management can create and manage an investment portfolio for you or simply consult you on accounts that already exist in your name. The firm uses fundamental analysis when it considers investment strategies and recommendations. Individual portfolios may invest in the following securities based on your risk tolerance and other factors:

• Exchange-listed securities

• Certificates of deposit (CD)

• Municipal securities

• Mutual funds

• Commercial paper

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Lutz Financial's clients include individuals with and without a high net worth, retirement plans, charitable organizations and business entities. There is no minimum investment required to open an account, nor is there a minimum asset level required to use the firm’s advisory services.

The Lutz Financial has several certified financial planners (CFPs) on the staff. While Lutz Financial is a fiduciary, it is fee-based. Its advisors may earn commissions from selling certain financial services and products, which is a potential conflict of interest. The firm's fiduciary duty, however, requires it to act in clients' best interests.

Lutz Financial Background

Jim Boulay, the firm’s principal owner, founded Lutz Financial in 1980. The firm provides services such as retirement planning and advice for managing an investment portfolio. The firm doesn’t show preference to clients who want to invest for the short term (holding securities for less than a year) or the long term (holding securities for at least a year).

Lutz Financial Investing Approach

Lutz Financial primarily invests client assets in mutual funds, bonds and exchange-traded funds (ETFs). The firm chooses stocks and other assets through fundamental analysis, a standard practice for financial advisors that involves analyzing a company’s revenue, expenses, assets and liabilities.

Lutz Financial provides financial advice for both short-term and long-term investments. According to the firm, it particularly looks to maximize gains while keeping expenses low and minimizing taxes for the investor.

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Pittenger & Anderson, which is based in the state capital of Lincoln, is a fee-only registered investment advisor that serves about 700 clients. Most of those clients are individuals, with nearly 200 being high-net-worth individuals. While the firm's fee schedule is based on each client's account balance, it also charges a flat fee for financial planning services.

There is a account balance minimum of $250,000 in investable assets. Fees range from 0.375% for accounts of $50,000,001 to 1% for "Custom" accounts of $1 million or less and 0.75% for mutual fund, exchange-traded fund (ETF) and retirement accounts. 

Other fees may apply. For example, an ETF portfolio with a 75% stock and 25% bond allocation will have an all-in cost (P&A's fee + fund expenses + trading commissions) of around 0.93% per year. An individual stock and bond account will have an all-in cost of roughly 1.05% per year. 

Pittenger & Anderson Background

The corporation was founded in 1995 by James S. Pittenger, who serves as chairman, and Daniel L. Anderson, who is the president. On staff, there are eight certified financial planners and one chartered financial analyst.

Pittenger & Anderson Investment Strategy

The firm's methods of analysis includes fundamental analysis, technical analysis, quantitative analysis, asset allocation, mutual fund/ETF analysis and risks of all forms of analysis.

When managing client's accounts, the firm will a variety of strategies (not specifically all at once) that include long-term purchases, short-term trading, option writing or margin transactions. These strategies are put in place once the clients match the firm's investment policy criterion, objectives and risk tolerance.  

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McMill CPAs & Advisors, which is based in the small northeastern Nebraska town of Norfolk, is a fee-only firm. The firm's clients are individuals, high-net-worth individuals, pension and profit-sharing plans, trusts, estates and charitable organizations, corporations or other business entities and state and municipal governments.

McMill does not set an account minimum to accept clients. Its fees, which are subject to negotation, depend on account balances. For accounts up to $49,999 the fee is 1.75%. That percentage then drops incrementally to 0.50% for accounts of $5 million or more.

McMill CPAs & Advisors Background

The principal owners of the firm, which was founded in 1978 and registered as an investment advisor with the SEC in 2005, are President Jared Faltys, Vice President Nancy Brozek and President Clint Weeder.

Together the firm offers a range of services, including:

• Portfolio management
• Financial planning
• Wealth management
• Estate planning
• Tax planning

McMill CPAs & Advisors Investment Strategy

The firm's advice is based upon long-term investment strategies that incorporate the principles of modern portfolio theory. Its investment approach is firmly rooted in the belief that markets are “efficient” and that investors’ returns are determined principally by asset allocation decisions, not market timing or stock picking.

Therefore, McMill develops diversified portfolios principally through the use of passively managed, asset class mutual funds that are available only to institutional investors and clients of a network of carefully selected investment advisors.

Clients are given the ability to impose restrictions on the accounts McMill manages for them, including specific investment selections and sectors. The firm works with each client on a one-on-one basis through interviews and questionnaires to determine the client’s investment objectives and suitability information.

Once a portfolio has been formed, McMill renders advice on a regular basis regarding equity securities, (including exchange-listed securities and securities traded over-the-counter), variable annuities, corporate debt securities (other than commercial paper), certificates of deposit, municipal securities, investment company securities, and United States government securities. The firm generally does not recommend that clients invest in options and futures programs.

Walnut Private Equity Partners is a fee-only financial advisory firm. This means it charges fees for only its own services and doesn’t collect commissions or revenue for other activities such as recommending one investment over another. This arrangement can, thus, significantly reduce potential conflicts of interest between the client and their advisor. 

The firm works only with high-net-worth individuals, as it provides financial planning and portfolio managment for family offices and trusts. Walnut Private Equity Partners imposes a $1,000,000 account minimum.

Walnut Private Equity Partners Background

Founded in 2013, the firm offers asset management services and consulting services. Steven Seline is the chief compliance officer (CCO) and managing member of the firm, while also being its principal owner.

Walnut Private Equity Partners Investing Approach 

To formulate investment advice, the firm uses fundamental analysis and a long-term approach. It also primarily recommends one type of security, acknowledging that some of the risks involved with this include "lack of diversification, need for sophisticated tax advice, reliance upon volatile commodities pricing for valuations and lack of liquidity in many of the potential holdings."

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Allen Capital Group is a fee-based registered investment advisor based in the small central Nebraska town of Grand Isle. The firm has 1,778 clients, the overwhelming majority of whom are private individuals. Other clients include profit-sharing plans and participants, pensions and other retirement plans, corporations or other business entities, trusts, estates and charities.

There is a $50,000 minimum for investment accounts. For its investment management program, Allen Capital charges an annualized asset management fee of up to 1.75%. For its financial planning services, the firm may charge a fixed fee of up to $20,000, an hourly fee of up to $500 or an assets-under-advisement fee of up to 1.75%.

Unlike fee-only advisors, fee-based advisors like Allen Capital may earn money from brokerage commissions (when acting as a broker-dealer), insurance commissions and selling mutual fund shares. Nevertheless, the firm is obliged to act as a fiduciary on every client's behalf. That means the firm must put the client's interest ahead of its own. Further, its investment advisory representatives earn no more than 5% of their compensation from such commissions.

Allen Capital Group Background

Eric Allen partnered with his son Mark to found Allen Capital Group in 2005. Among the firm's staffers are certified financial planners, a chartered financial analyst, a certified funds specialist and CPAs, as well as experts in estate planning, portfolio management, accounting and investment research.

Allen Capital's main services are financial planning and individualized portfolio management, estate planning, tax planning and preparation, risk management and Social Security analysis.

Allen Capital Group Investment Strategy

The firm begins its client relationships by seeking to understand the person's goals, vision and current situation. Allen Capital generally takes a long-term approach (over a year) when providing and implementing investment advice. However, there are times when short-term considerations and needs are warranted for a client. At such time, the firm will utilize a short-term strategy, with some investments being held for less than a year. 

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HUB Investment Advisors (HIA) provides its clients with financial planning, private wealth management and investment management services. It also works with corporate retirement plan sponsors and businesses. To open an account with the firm, you’d generally need a minimum initial investment of $250,000, though this requirement can be waived.

This fee-based firm has on-staff financial advisors that can earn commissions from insurance or securities sales. Despite the potential conflict of interest this induces, the firm is legally required to act in your best interest because of its fiduciary duty.

HUB Investment Advisors Background

HIA was established in 2004 and became a registered investment advisor in 2012. The firm’s owner is HUB International Limited, which purchased the firm in 2019.

HUB Investment Advisors Investing Approach

HUB's goal is to help clients protect and enhance their financial well-being, build net worth and manage risk. It does this by seeking to understand each client’s objectives, time horizon and risk tolerance so it can develop customized strategies to help realize that client's goals. The firm provides a variety of alternative solutions and allows the client to select a strategy that best fits his or her needs.

Once a game plan is established, the firm continues to monitor the performance of the strategy relative to the original plan and stated goals. Advisors periodically meet with clients to update their objectives, measure the effectiveness of their current strategies and make adjustments to accommodate any changes.

The firm may use any of the following securities: exchange-traded funds (ETFs), stocks, mutual funds, fixed-income securities, alternative investments, options and limited partnerships.

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North Platte-based Professional Financial Advisors is an investment-centric financial advisor firm that also offers financial planning. The firm's client base is almost completely made up of individuals both with and without a high net worth, though it also maintains advisory relationships with banks, charitable organizations and businesses. The firm has no minimum investment requirements for new clients.

Nearly every advisor at this firm is a certified financial planner (CFP). Some of these advisors can sell insurance products on a commission basis. This creates a potential conflict of interest, though this is mitigated by the firm's fiduciary duty to its clients.

Professional Financial Advisors Background

Professional Financial Advisors has three owners: Marc Werkmeister, Doug Peterson and Dana F. Cole & Company, LLP. Werkmeister and Peterson are advisors at the firm. Professional Financial Advisors was founded in 2015.

Portfolio management services at this firm are completely customized to the client's needs. Financial planning can cover retirement planning, cash flow analysis, insurance planning, estate planning and more.

Professional Financial Advisors Investment Strategy

In general, Professional Financial Advisors invests client assets on a discretionary basis, meaning clients give the firm their blessing to make investment decisions on their own. As we state above, these services are personalized to each client, using their risk tolerance, time horizon, income needs and financial goals as the most important factors. The firm is open to using just about any investments in its clients' portfolios. For example, it may invest in equities, fixed-income securities, mutual funds and ETFs.

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Cambridge Advisors is a fee-only financial advisory firm. This means Cambridge charges fees for only its own services. It doesn’t collect commissions or revenue for other activities such as recommending one investment over another.

Today, Cambridge works with non-high-net-worth individuals, as well as with people who have a high net worth. It also works with pensions, profit-sharing plans and charities. The firm technically has a $500,000 minimum investment requirement, though it may be willing to waive this.

Cambridge Advisors Background

Cambridge was founded in 1990, making it one of the oldest firms on our list. The primary owners are firm president and chief compliance officer (CCO) Lori Liffring and vice presidents Michael Bridgman and Justin Anderson. Its team features one chartered financial analyst (CFA), one chartered financial consultant (ChFC) and one certified public accountant (CPA). 

Cambridge Advisors Investing Approach 

Cambridge typically creates portfolios by using mutual funds and exchange traded funds (ETFs). It considers several factors to determine the right asset allocation. However, the firm generally focuses on long-term strategies. The firm states that it does not time the market, but it does note the risk/reward relationship of a range of asset classes over time. The firm adjusts asset allocations to incorporate projected growth opportunities and a client's risk tolerance and particular set of needs.

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Lincoln Capital rounds out our Top-10 list with millions in assets under management (AUM). There is no minimum investment required to use the services of Lincoln Capital, but the firm says that its focus is on high-net-worth clients. It focuses on business owners in particular, though it also offers services for individuals, trusts and corporations.

Fee-based Lincoln Capital has one certified financial planner (CFP) on staff, but the firm has multiple investment advisor representatives.

Lincoln Capital Background

Founded in 2005, Lincoln Capital works in a fiduciary capacity. Thus, it is obligated by law to put the best interests of its clients ahead of its own. Judd Norman, an investment advisor representative (IAR), is the sole owner of Lincoln Capital. He is also an investment advisor representative at the firm.

According to the firm, its mission is to provide “independent, unbiased, client-focused financial planning.” In addition to helping clients meet their financial goals, Lincoln Capital emphasizes connecting with clients on a human level. The firm says that many of its clients joined through referrals from clients and other professionals who have worked with the firm.

Lincoln Capital Investment Strategy

When it comes to investing, Lincoln Capital states that its goal is to create a highly individualized investing plan for each client. The firm also emphasizes that its focus is on long-term growth to maximize investment growth over time.

The firm invests its clients’ assets in stocks and companies that it believes will continue to perform well 10 or 20 years in the future. Lincoln Capital also makes a point to invest in fixed-income securities like certificates of deposit (CDs) and treasury bonds. The firm uses fundamental analysis as well as long-term and short-term investment approaches.