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Nuvern Wealth Advisors

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Nuvern Wealth Advisors

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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.

10/29/2026

Changing jobs or have a retirement account at a previous job? Either way, that account deserves a decision. You generally have four options. Each option differs in fees, investment choices, legal protections, and taxes. Cashing out early can trigger income tax and penalties. The right choice depends on your individual situation.

Schedule a review: https://www.nuvernwealth.com/contact.php

Nuvern Wealth Advisors LLC is a registered investment adviser in New York. Registration does not imply a certain level of skill or training. This post is educational and is not a recommendation to roll over any account. If you move assets to an account Nuvern manages, Nuvern earns an advisory fee on those assets.
nuvernwealth.com · [email protected]

10/21/2026

A trust can play an important role in an estate plan, but understanding what it can and cannot do comes first.

For Estate Planning Week, we’re sharing our complimentary guide, Trusts Explained. Learn the basics of revocable and irrevocable trusts, how they function, how trust taxation works, and things many people get wrong.

Download your free copy here:

https://mcusercontent.com/e330ba13335e94a4a3e63d854/files/91e550d0-1cd1-5be3-6e77-1efed4a2eefa/Trusts_Explained_1.pdf

For educational purposes only. Nuvern Wealth Advisors does not provide legal or tax advice.

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]

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]

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]

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]

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.

10/14/2026

Open enrollment is here. Align your retirement, tax options, and beneficiaries. https://www.nuvernwealth.com/contact.php
Investing involves risk, including possible loss of principal.
nuvernwealth.com · [email protected]

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]

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.

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

https://www.nuvernwealth.com/

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