Top Financial Advisors in Lincoln, NE

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Pittenger & Anderson (P&A) is a fee-only registered investment advisor (RIA) that tops our Lincoln list. It offers investment management and financial planning services to individuals, corporations and charitable organizations. Most of its clientele, however, consists of individuals outside the scope of high net worth. P&A also appears on SmartAsset's list of the top financial advisors in Nebraska.

The minimum investments required to open accounts vary depending on the type of individual investment portfolio you choose. These minimums can range from $100,000 to $500,000. The team at P&A features various professional designations, including certified financial planner (CFP), chartered financial analyst (CFA), chartered retirement planning counselor (CRPC) and investment adviser certified compliance professional (IACCP). 

Pittenger & Anderson Background 

The firm’s founders Jim "Pitt" Pittenger and Dan Anderson first opened the doors of P&A in 1995, making this one of the oldest firms on our list. However, the two can trace its professional relationship in financial services back to 1985. 

Its main owners are chairman/CEO James Skaggs Pittenger Jr. and president Daniel Lynn Anderson. 

Today, P&A works as a fee-only financial advisory firm. It earns its money from fees directly rendered for its services. It doesn’t collect any commissions, sales charges, 12b-1 fees or other forms of revenue sharing for recommending specific products or investments over others. This framework can reduce potential conflicts of interest, because your advisor doesn’t have the chance to earn more in compensation by making specific recommendations regardless if they’re in your best interests. But as a fiduciary, however, your advisor has to put your best interests ahead of his or her own. The firm’s fees are generally based on percentages of assets under management. 

Pittenger & Anderson Investment Strategy

P&A builds individual portfolios for its clients based on factors like their overall risk tolerance and investing objectives. The firm conducts ongoing evaluations of these portfolios and rebalances asset allocations and other features if deemed necessary. 

However, the firm utilizes a core and satellite format for constructing client portfolios. For instance, the core equity portion may consist mostly of large-cap stocks and passively managed funds while the satellite equity part of a portfolio may include mid- and small-cap stocks, as well as alternative assets. Meanwhile, the core fixed-income portion of a client's account may consist of “fairly passive investment grade bonds,” while the satellite fixed-income assets could be high-yield bonds, foreign debt and mortgage-backed securities. 

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Lincoln Capital comes in second on our list with millions in assets under management (AUM). There is no minimum investment required to use the services of Lincoln Capital, which works with individuals, high-net-worth individuals, trusts, estates and charitable organizations, as well as businesses and retirement plans. 

Lincoln Capital has one certified financial planner (CFP) on staff, but the firm has multiple investment advisor representatives. As a fee-based firm, some of its advisors may earn commissions for selling securities or insurance, which is a conflict of interest.

The firm also appears on our list of the top financial advisors in Nebraska. 

Lincoln Capital Background

Founded in 2005, Lincoln Capital works in a fiduciary capacity. Despite the sales commissions its advisors may earn, the firm 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. 

The firm's primary service is comprehensive portfolio management, which includes both asset management and financial planning. Lincoln Capital can deliver asset management services either through a wrap fee program or individually. Clients can also work with the firm to receive standalone financial planning and consulting. 

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.

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Bellwether Advisors, which does business as Bellwether Wealth, is a fee-based firm. Bellwether serves retirement plans, individuals, high-net-worth individuals, trusts, charitable organizations, estates, corporations and other businesses. 

The firm’s compensation arrangements include asset-based fees, hourly fees and fixed fees. However, some advisors are also registered broker-dealers and may earn commissions from securities and investment products. This fee structure may incentivize advisors to favor commissioned products or securities with higher fees, but Bellwether says it honors a fiduciary duty to work in each client’s best interests.

Bellwether’s team is made up of a relatively small staff but one that represents various professional designations, including chartered life underwriter (CLU), certified financial planner (CFP), chartered financial consultant (ChFC), certified investment management analyst (CIMA), certified private wealth advisor (CPWA) and certified exit planning advisor (CEPA).

The firm has a minimum account size requirement of $250,000.

Bellwether Wealth Background

Founded in 2019 and wholly owned by Clark Bellin, Bellwether provides portfolio management, financial planning, advisor selection and pension consulting advisory services. The firm’s advisory services also feature cash flow planning, charitable giving, wealth protection and estate planning.

Bellwether Wealth Investment Strategy

Bellwether says it focuses on using a diversified investment approach to achieve excessive returns. In determining undervalued asset classes, the firm employs fundamental analysis, cyclical analysis and technical analysis.

Bellwether also uses a proprietary model to determine which investment styles to overweight, and its advisors utilize fixed income and alternative investment strategies. 

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Paradigm Wealth, which does business as R2 Wealth Management Partners, has a small staff of advisors working with individuals, high-net-worth individuals, pension and profit-sharing plans, as well as charitable organizations. Among its staff are advisors with the certified financial planner (CFP) and chartered financial consultant (ChFC) designations.

The firm, which doesn’t have a minimum account size requirement, charges a percentage of assets under management for its asset management services. R2 Wealth also offers financial planning on an hourly or fixed-fee basis.

R2 Wealth Management Partners Background

R2 Wealth has been in business since its 2015. The firm offers a range of advisory services, including asset management, financial planning, educational seminars and workshops, as well as publication of periodicals. 

R2 Wealth’s managing members are Andrew Pool and Robert Rossi.

R2 Wealth Management Partners Investment Strategy 

R2 Wealth mainly uses both fundamental and technical methods of analysis when evaluating securities and offering investment advice. As for the firm’s investment strategies, it employs long-term purchases, margin transactions, short-term purchases, frequent trading and option writing. 

The firm invests in mutual funds, exchange-listed securities, securities traded over-the-counter, warrants, corporate debt securities, commercial paper, certificates of deposit (CDs), municipal securities, variable annuities, U.S. government securities and more.

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Capital Consulting & Asset Management (CCAM) has a relatively limited staff of investment advisors on its team. The firm’s clientele consists of high-net-worth individuals and non-high-net-worth individuals. It's also open to working with banking or thrift institutions, pension and profit-sharing plans, charitable organizations, corporations or other businesses and state or municipal government entities. 

The firm aims to build a comprehensive financial plan for its clients. Depending on your needs, this plan can address the following: 

• Cash flow analysis
• Cost of living needs
• Retirement planning
• College savings plans
• Estate planning

In addition, the firm provides individual portfolio management services for an all-inclusive fee. However, CCAM advisors can earn commissions when trading securities within your account. While this creates a conflict of interest, but the firm has a fiduciary duty to act in clients' best interests. 

Capital Consulting & Asset Management Background 

Rob Nixon, a certified financial planner (CFP) with more than 25 years of experience in financial services, founded CCAM in 1996. Nixon still works for the firm and serves as principal. 

Amber Roemer, client service manager and another owner alongside Nixon, has been with the company since 2008 and she is a registered paraplanner (RP).  

Capital Consulting & Asset Management Investment Strategy

Clients with under $500,000 to invest will see their money managed internally by CCAM according to one of the firm's model portfolios. Assets are typically invested in mutual funds, most of which are no-load mutual funds. Clients with more than $500,000 to invest can enroll in the firm's Privately Managed Portfolio Program, which provides access to a group of pre-screened external investment advisors. These clients may see their assets allocated to equity securities, warrants, corporate debt, commercial paper, municipal securities, among others. 

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Plan A Wealth Management (Plan A) checks in at No. 6 on our list of the top financial advisors in Lincoln. The firm provides portfolio management and financial consultation services to individuals, high-net-worth individuals, charitable organizations, retirement plans, corporations and other businesses. 

Plan A doesn’t require a specific initial investment to open an account. The firm charges asset-based fees for its asset management and comprehensive portfolio management services. It also has a subscription-based service with a monthly fee, as well as standalone financial planning and consulting services that can be provided for an hourly or flat fee. 

Advisors on staff may earn commissions from third parties when selling securities or insurance, in addition to the fees that advisory clients pay. While this is a conflict of interest, the firm has a fiduciary duty to act in clients' best interests.

Plan A Wealth Management Background 

Plan A was formed in 2015 and became an investment advisor in 2017. Its founder Ronald W. Anderson Jr. wholly owns the firm. Today, Plan A offers a range of portfolio management and financial consulting services. Based on your needs, the firm can guide you through topics like effective budgeting, paying off debt, retirement planning, estate planning and more. 

Plan A Wealth Management Investment Strategy

Plan A builds portfolios based on a client’s risk tolerance. These are generally constructed with mutual funds, ETFs, individual stocks and bonds, annuities and life insurance investments. The firm may employ a variety of asset allocation strategies, including both strategic and dynamic asset allocation. The former involves a passive approach and doesn’t require changing asset allocations in spite of changing market conditions. The dynamic asset allocation approach, however, takes into account changing market conditions which may influence a strategic change in asset allocation exposure.

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Flagstone Financial Management rounds our our list of the top financial advisory firms in Lincoln. Despite its relatively small staff, Flagstone has several certified financial planners (CFPs) on its team. 

Flagstone Financial Management does not require a minimum investment to enroll in its services. The firm works with high-net-worth and non-high-net-worth individuals, foundations and endowments, banks, trusts, estates and corporations.

As a fee-only practice, Flagstone and its advisors do not earn commissions for selling securities or insurance policies. Client-paid fees -- which may be based on assets under management, fixed or hourly -- are the sole source of Flagstone's revenue. This means the firm is not subject to the same types of conflicts of interest that a fee-based firm may have. 

Flagstone Financial Management Background

Flagstone Financial Management was founded in 2016 by Michael T. Johnson and the firm provides a range of services to cover the needs of all investors. If a client just needs help creating or improving their financial plan, the firm offers one-time consultation services, as well as ongoing consultation services. Johnson remains the owner of the firm through a holdings company he controls. 

A client who wants more help can also choose to take part in the Strategic Wealth Management Program. This program includes a more comprehensive investing plan for the client. 

Flagstone Financial Management, LLC Investment Strategy

One point of focus for Flagstone Financial Management is removing emotion from investing. The firm’s website cites multiple studies that show that investors make poor financial decisions when they fall into certain behavioral traps. Behavioral finance is a relatively new field, but it has grown in popularity over the past few decades.

Flagstone Financial Management combines this behavioral focus with diversified, low-cost portfolios. The firm invests its clients' assets in domestic and international markets. Portfolios may consist of mutual funds, exchange-listed securities, securities traded over-the-counter, certificates of deposit, municipal securities, variable annuities, U.S. government securities and corporate bonds.