About Nichols Financial Advice


Justin Nichols, CFP®, is founder of Nichols Financial Advice, which was launched in 2007. We provide Fee-Only, hourly, fiduciary financial advice to people at all stages of life. We are located in Manhattan, KS, and we also enjoy working virtually, via web meeting, with clients across the USA.

We work with clients on a Fee-Only basis, meaning we do not accept commissions of any kind. We feel this is the most objective way to provide financial advice.

We work with clients on an Hourly basis, meaning clients simply pay a fixed fee, based on the estimated amount of time dedicated to the project and the scope of the project, for as much or as little advice as they want. We feel this is a very accessible way to provide financial advice.

We work with clients on a Fiduciary basis, meaning our only loyalty is to our clients–not a brokerage firm or a mutual fund company. We feel this is the best way to provide financial advice.


Justin's Background
Justin is a CERTIFIED FINANCIAL PLANNER™ professional, having completed the requirements for certification in 2007. In order to maintain his certification, Justin is required to complete 30 hours of continuing education every 2 years. As a CFP® certificant, Justin also adheres to the CFP Board’s Code of Ethics and Professional Responsibility and Financial Planning Practice Standards. Justin is also a NAPFA-Registered Financial Advisor. A NAPFA-Registered Financial Advisor is a financial planner who has earned the CERTIFIED FINANCIAL PLANNER™ certification, is a NAPFA recognized practitioner, Fee-Only, and who meets NAPFA’s rigorous standards.

Since 2003, Justin has worked as Manager of Operations of the Garrett Planning Network, an international network of independent, Fee-Only financial advisors. In 2011, Justin partnered with Sheryl Garrett to launch Garrett Investment Advisors, a Fee-Only SEC registered investment advisor, of which Justin's financial planning practice, Nichols Financial Advice, is part of.

Prior to becoming a financial advisor, Justin worked as Quality Assurance Team Lead in Sprint’s Real Estate Technology group for 1 year. He also worked as a Consultant in Accenture's Communications & High-Tech market group for more than 3 years.

Justin's Education
College for Financial Planning, Denver, CO
Certificate, Financial Planning, 2002–2004

Kansas State University, Manhattan, KS
BS, Finance, 1995–1999


Justin's Personal Notes
In addition to his work roles, Justin serves as Treasurer for the Garrett Financial Education Alliance, a non-profit financial education foundation. He serves as a member of the Flint Hills Financial Literacy Council, which works to coordinate efforts, raise awareness and promote financial literacy in the Manhattan, KS, area. And he also currently teaches as an adjunct instructor in Kansas State University's Personal Financial Planning program.

Justin lives with his wife and two sons in Manhattan, KS. He enjoys spending time with his family and friends, jogging, golfing and snow skiing.

Justin's own personal financial mantra is: Earn as much as you can. Give generously. Protect you and your loved ones. Save early and often. Spend the rest to enjoy life!

Investment advisor representative of and investment advisory services offered through
Garrett Investment Advisors, LLC
, a Fee-Only SEC registered investment advisor. Tel: (910) FEE-ONLY.
Nichols Financial Advice may offer investment advisory services in the State of Kansas and in other jurisdictions where exempted.