Justin Nichols


CGN Advisors

Managing Principal - Operations

Justin Nichols


CGN Advisors

Managing Principal - Operations

I provide Fee-Only, hourly, fiduciary financial advice to help you strike a balance between enjoying today and planning for tomorrow. - Justin Nichols, CFP®

(785) 340-3434

Fee-Only financial planner located in Manhattan, KS, serving clients locally and across the country

Justin Nichols is a Manhattan, KS Fee-Only financial planner. CGN Advisors provides fiduciary financial planning, tax preparation, retirement planning and investment management to help you strike a balance between enjoying today and planning for tomorrow.  As a Fee-Only, fiduciary, independent financial advisor, Justin Nichols is never paid a commission of any kind and has a legal obligation to provide unbiased and trustworthy financial advice.

In 2011, Justin Nichols partnered with Sheryl Garrett to launch Garrett Investment Advisors, now CGN Advisors, a Fee-Only SEC registered investment advisor, which is a geographically diverse group of Fee-Only financial planners located across the United States.

Since 2003, Justin has worked as Director of Operations of the Garrett Planning Network, a nationwide network of independent, Fee-Only financial planners.

Justin is a CERTIFIED FINANCIAL PLANNER™ professional, having completed the requirements for certification in 2007. 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. Justin is also a member of the Financial Planning Association.

Justin lives with his wife, Edee, and sons, Nate and Luke, in Manhattan, KS. He enjoys jogging, golfing and snow skiing and helping with his sons’ church, 4-H and sports activities.

Justin's own personal financial mantra is: Work hard to earn a good living. Give generously. Protect you and your loved ones. Save early and often. Spend the rest to enjoy life!

Justin Nichols is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

Our Focus is on You, Not Just the Numbers

We started CGN Advisors because we felt there was a different way—a better way—to do financial planning and investment management. As a fee-only advisory practice, we don’t sell investment or insurance products, so we don’t receive commissions or kickbacks for making recommendations. We feel this minimizes conflicts of interest and is the most objective way to provide financial advice.  


Why CGN Advisors?

We don’t answer to a big corporation, like a brokerage firm or a mutual fund company. We work with clients on a fiduciary basis, meaning our loyalty is to you, our client. We understand that each clients' situation is unique, and therefore we do not offer "one size fits all" solutions.  

You have worked hard to get where you are, and to honor that, we work hard to keep you headed in the right direction.  We keep you accountable to your future self, so that you can focus on what matters most—the life you are living today. 


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

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • College Education Planning
  • Tax Planning
  • Investment Management

Ideal Clients

  • Young Families
  • Young Professionals
  • Near Retirees and Retirees
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • Certified Financial Planner (CFP)
    Justin Nichols is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • National Association of Personal Financial Advisors (NAPFA)
    Justin Nichols is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Garrett Planning Network - GPN
    Justin Nichols is a member of the Garrett Planning Network. Click here to learn more.

    Everyone needs competent, objective financial advice from time to time. The Garrett Planning Network has a nationwide membership with hundreds of independent, Fee-Only financial planners providing advice to people from all walks of life, without minimum account requirements, sales commissions, or long-term commitments. Our members proudly embrace their fiduciary duty, always placing their clients' best interests first.

Contact Justin Nichols

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Office Locations:

  • 1107 Hylton Heights Road
    Manhattan, KS 66502

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