Justin Nichols (CFP®)

Justin Nichols focuses in the
following client markets or areas of practice:

  • College/Education Planning
  • Hourly
  • Investment Advice with Ongoing Management
  • Medical Professionals
  • Middle Income Client Needs
  • Retirement Planning & Distribution Rules

Planning Specialties

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.

Additional Information

In 2011, Justin partnered with Sheryl Garrett to launch Garrett Investment 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!

NAPFA Start Date

March 07, 2012

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This Office

1107 Hylton Heights Rd. Manhattan, KS 66502-2821 Phone: (785) 340-3434