Steven C. Nelson, CFP

Steven C. Nelson, CFP provides discretionary portfolio management and financial planning to individual clients across a range of life stages, managing taxable accounts, IRAs, 403(b)s, education accounts and trusts. In addition to fee-based asset management built around no-commission, no-transaction-fee mutual funds, he offers hourly or fixed-fee financial analyses and maintains a life/health insurance license; if a client elects an insurance implementation, he would receive customary commissions for that product.

His investment process uses a select list of roughly 35 no-load, NTF mutual funds and a rules-based framework that draws on a 28‑year record of 90‑day returns, daily momentum (relative strength) and reversion-to-the-mean calculations to shift allocations among equity‑income, aggressive sector funds, market‑inverse funds and cash. The stated objectives are capital preservation, keeping pace with inflation, modest growth and reduced volatility, and he typically manages client accounts on a discretionary basis under written authority.

The firm is notable for combining a long personal industry tenure (in financial services since 1974 and CFP credentialing) with a small, solo-practitioner scale (about 21 clients and roughly $1.65M in discretionary AUM) and a systematic momentum-plus-historical‑norms strategy. He offers some services under the name Family Estate Financial Advisors and uses Charles Schwab for custody, NTF fund access and optional quarterly fee deduction, and the brochure discloses no material disciplinary events.