Needs Analysis
We begin by understanding your priorities, concerns, and the financial decisions ahead.
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Your Future Deserves a Plan. And a Partner.Retirement is about more than reaching a certain age or accumulating a certain amount of money. It’s about having the confidence to enjoy the life you’ve worked hard to build. At The Nest Financial, we help individuals and families prepare for retirement, manage their investments, and develop strategies designed to protect and preserve their wealth. We combine experienced financial guidance with personalized relationships, helping our clients navigate life’s important financial decisions with clarity and confidence. Locally Owned. Community Focused. Invested in Your Future.
Led by Layne Ragsdale, CFP®, and Michael Bardwell, The Nest Financial brings together more than two decades of financial services experience, professional financial planning expertise, and a commitment to serving clients for generations to come.
Our multigenerational team approach combines the experience of an established CERTIFIED FINANCIAL PLANNER® professional with a long-term vision for the future of the firm.
We believe your financial future deserves more than an investment portfolio. It deserves a thoughtful strategy and a trusted relationship.
Our goal
We begin by understanding your priorities, concerns, and the financial decisions ahead.
We review the financial resources, accounts, and investments that support your overall picture.
We develop a thoughtful strategy designed around your circumstances and long-term direction.
We help turn your priorities into focused, actionable financial goals for the future.
At The Nest Financial, we believe the best financial advice begins with understanding the people behind the numbers.
Learn MoreOur services are designed to help you make informed decisions today while preparing for the opportunities and challenges of tomorrow.
Learn MoreEven small online purchases that are shipped from outside the United States must now pass through customs — and are likely to incur duties.
Closed-end funds are considered to carry higher risk but may provide a higher income stream than traditional mutual funds holding similar securities.
A letter of instruction could be just as important as a will in helping loved ones settle an estate and move forward with their lives.
Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.
This calculator can help you determine how soon you can pay off your mortgage.
This calculator can help you determine whether you should consider converting to a Roth IRA.
Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 73.