NBZ Investment Advisors, LLC

NBZ Investment Advisors provides discretionary investment management, financial planning (included for advisory clients), consulting and retirement-plan advisory services to individual and high‑net‑worth clients as well as pension and profit‑sharing plans, trusts and estates. The firm typically begins client relationships by developing an Investment Policy Statement to guide portfolio construction and ongoing reviews.

NBZ emphasizes asset allocation as its primary strategy, using a Strategic Allocation approach for long‑term holdings and a distinct NBZ Index Plus rotation model that shifts between non‑leveraged and leveraged index funds with defined stop‑loss rules. Portfolios are primarily composed of mutual funds and ETFs, with individual stocks and fixed‑income instruments used when appropriate, and most accounts are managed on a discretionary basis.

The firm is affiliated with the accounting firm Novinger, Ball & Zivi, PC, and several management personnel are practicing CPAs who cross‑refer services between the firms; the brochure discloses instances where the accounting affiliate engages NBZ and where NBZ covers certain accounting charges for clients. NBZ also manages a substantial amount of discretionary assets (approximately $431 million as of December 31, 2025) and employs a leverage‑oriented rotation model that can increase trading frequency and short‑term tax consequences, features that are less common among similarly supported advisers.