Nuvern Wealth Advisors

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Nuvern Wealth Advisors Nuvern Wealth Advisors – Helping You Build, Grow, and Protect Your Wealth.
Have you thought about your financial plan? Many people overlook this crucial step. Let's ensure your finances are on track for a secure future! At Nuvern Wealth Advisors, we create personalized strategies to help you grow and protect your wealth confidently.
Whether you're focused on retirement, tax-smart investing, or creating a financial roadmap for your small business, we offer clear, objective guidance backed by years of experience and data-driven strategies.

We serve a diverse range of professionals, including small business owners, Municipal employees (first responders, educators, administrators), high-earning professionals building long-term wealth.

Key Services: Retirement & Rollover Planning, Investment Selection & Portfolio Management, College Savings Strategies, Tax-Aware Investment Planning, Estate Planning with legal support, ongoing advisory services for growing families and entrepreneurs.

DISCLOSURE STATEMENT

Nuvern Wealth Advisors LLC is a Registered Investment Adviser. Registration with the SEC or any state securities authority does not imply a certain level of skill or training. This listing is intended for informational purposes only and does not constitute a recommendation, offer, or solicitation to buy or sell any security.
The information provided is general in nature
and should not be construed as legal, tax, or investment advice. Please consult with a qualified professional regarding your specific situation.

Check the registration of this, or any advisor, at www.adviserinfo.sec.gov.

The 4% rule is usually used to estimate how much you can withdraw in retirement. It also works in reverse, to estimate h...
10/20/2026

The 4% rule is usually used to estimate how much you can withdraw in retirement. It also works in reverse, to estimate how much you need to save.

Multiply the yearly spending your savings will need to cover by 25 (the same as dividing by 4%). If your portfolio needs to provide $40,000 a year, the rough target is about $1 million.

Income from Social Security, a pension, or part-time work reduces the amount your savings must cover, and that can lower the target a lot.

Hypothetical example for illustration only. Past results do not guarantee future outcomes. Educational only; not individualized investment advice. Nuvern Wealth Advisors LLC, a New York registered investment adviser.
nuvernwealth.com · [email protected]

The Rule of 72 doesn’t only apply to savings. It applies to debt too.A credit card balance at 24% interest can double in...
10/18/2026

The Rule of 72 doesn’t only apply to savings. It applies to debt too.

A credit card balance at 24% interest can double in about 3 years if it goes unpaid (72 ÷ 24 = 3). That’s why paying down high-interest debt is often one of the best “returns” available.

Try it on your own numbers: your savings rate, your loan rates, your card rates.

Educational only; not individualized advice. Nuvern Wealth Advisors LLC, a New York registered investment adviser.
nuvernwealth.com · [email protected]

A 1% fee sounds small. Over time, it isn’t.In a hypothetical $100,000 investment earning 7% a year before fees, a fund w...
10/18/2026

A 1% fee sounds small. Over time, it isn’t.

In a hypothetical $100,000 investment earning 7% a year before fees, a fund with a 0.05% expense ratio would grow to about $750,600 over 30 years. The same investment in a fund charging 1.00% would grow to about $574,300. That’s roughly $176,000 less, just from the fee.

Your 401(k) and IRA fund fees are listed as the “expense ratio.” It takes five minutes to look them up.

Hypothetical example for illustration only; not representative of any specific investment. Actual results will vary. Educational only; not individualized investment advice. Nuvern Wealth Advisors LLC, a New York registered investment adviser.
nuvernwealth.com · [email protected]

Is Your 401(k) Match Really Yours?Your own 401(k) contributions are always 100% yours. Your employer’s match may not be,...
10/16/2026

Is Your 401(k) Match Really Yours?

Your own 401(k) contributions are always 100% yours. Your employer’s match may not be, at least not yet.

Many plans use a vesting schedule, so the match becomes yours over time. Two common types:

• Cliff vesting: you own nothing until a set date (up to 3 years), then 100%.
• Graded vesting: you own a growing share each year until fully vested (up to 6 years).

Leaving a job before you’re fully vested can mean forfeiting part of the match. Your plan’s Summary Plan Description shows your schedule. Check it before you change jobs, especially if a vesting date is close.
nuvernwealth.com · [email protected]

Autumn benefit choices may impact long-term retirement goals. Reviewing your employer options can help align your strate...
10/15/2026

Autumn benefit choices may impact long-term retirement goals. Reviewing your employer options can help align your strategy.

Book a consultation: https://www.nuvernwealth.com/contact.php
Investing involves risk, including possible loss of principal.

An investment loss may have a role in your year-end tax planning.In taxable accounts, realized capital losses can offset...
10/13/2026

An investment loss may have a role in your year-end tax planning.

In taxable accounts, realized capital losses can offset capital gains. If losses exceed gains, up to $3,000 of net losses may reduce other income each year ($1,500 if married filing separately). Unused losses generally carry forward.

Watch the wash-sale rule: buying substantially identical securities within 30 days before or after a loss sale can disallow the deduction. Purchases in other accounts, including an IRA, can also matter.

Losses inside IRAs and 401(k)s do not qualify for this capital-loss deduction.

Before making a trade, review the tax implications with your tax adviser and consider whether the change fits your investment plan.

Schedule a year-end investment review:
https://www.nuvernwealth.com/contact.php



For educational purposes only. Nuvern Wealth Advisors does not provide tax or legal advice. Investing involves risk, including possible loss of principal.
nuvernwealth.com · [email protected]

Your financial strategy should serve your goals, not a broker's payout schedule. Experience pure fee-only fiduciary guid...
10/12/2026

Your financial strategy should serve your goals, not a broker's payout schedule. Experience pure fee-only fiduciary guidance. https://www.nuvernwealth.com/contact.php
Investing involves risk, including possible loss of principal.

Quick check: your retirement accounts and life insurance usually go to whoever is named on the beneficiary form, not who...
10/10/2026

Quick check: your retirement accounts and life insurance usually go to whoever is named on the beneficiary form, not whoever is named in your will. Review those forms after any marriage, divorce, or new child.



A will alone doesn’t keep your estate out of probate court. Our free Trusts Explained guide covers how a properly funded...
10/08/2026

A will alone doesn’t keep your estate out of probate court. Our free Trusts Explained guide covers how a properly funded living trust can help your heirs avoid it.

Get the free guide here: guide.nuvernwealth.com/trusts-explained



Address

26 Broadway, Suite 934
New York, NY
10004

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+12128842979

Website

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