Nestlerode & Loy, Inc.

Nestlerode & Loy provides discretionary portfolio management and financial planning services to individuals (including high‑net‑worth clients) as well as institutional clients such as pension plans, foundations, and municipalities. The firm manages roughly $200 million in client assets and customizes accounts to client constraints, offering ESG model exposures and account‑level exclusionary screens on request.

The firm follows a “Pay Attention” approach that combines daily price monitoring and technical analysis with fundamental research, using portfolio and market data systems to monitor holdings and limit frequent trading. It delivers regular written reports and periodic financial planning consultations, and implements client‑specific investment guidelines and restrictions under discretionary authority.

Distinctive features include optional broker‑dealer activity: the firm suggests but does not require clients to use the firm as broker, and when acting in a brokerage capacity it sets trading arrangements with its clearing firm (mutual funds are often executed at no cost while other trades may carry per‑trade charges). The firm also distributes a client letter/newsletter and its advisors hold Pennsylvania insurance licenses for variable annuities and life insurance — arrangements the firm discloses as potential conflicts and manages through its policies and compliance reviews.