NFI, LLC

NFI provides financial planning, consulting, and investment management to individuals as well as pension and profit sharing plans, trusts, estates, charitable organizations, and business entities. Its advisory services cover retirement, education, estate and insurance planning and are governed by written agreements before engagement.

The firm manages client assets primarily on a discretionary basis and allocates among mutual funds, ETFs, individual equity and debt securities, and options, and may include securities held inside variable annuities and variable life contracts. NFI combines proprietary and third‑party research and employs fundamental, technical, and cyclical analysis while emphasizing diversification, quality investments, and a hands‑on, long‑term approach with at least quarterly account reviews.

A distinctive feature is that certain supervised persons are licensed insurance agents who, in their individual capacities, may recommend and sell insurance or annuity products on a disclosed commission basis through an unaffiliated broker, which the firm acknowledges as a conflict of interest. NFI also advises on and may manage “held‑away” assets maintained at insurance companies or other product providers, so some client assets may remain custodied outside the firm’s recommended custodians.