Unest Advisers, LLC

UNest Advisers, LLC offers digital investment and savings management services designed for minors, utilizing custodial accounts like Uniform Transfers to Minors Act and Uniform Gifts to Minors Act accounts, as well as individual brokerage accounts through a mobile application. UNest Advisers invests client funds in diversified portfolios consisting of exchange-traded funds, which are actively managed to adjust risk exposure over time by automatically rebalancing as the child approaches adulthood. The investment strategy shifts from a heavy equity focus in early years to a conservative mix including cash and fixed-income exchange-traded funds as the beneficiary nears college age. UNest Advisers operates as a wrap fee program, combining advisory services, platform access, and trade execution into a single fee structure. Clients can select from standard asset allocation models ranging from conservative to aggressive, or opt into specialized strategies such as all-equity, all-fixed-income, or socially responsible portfolios. UNest Advisers is led by Chief Investment Officer Aaron Kirchoff and serves individual retail clients looking to build long-term savings for children.