Nibley Financial LLC

Nibley Financial Services LLC provides portfolio management and financial planning to individual and high‑net‑worth clients, tailoring Investment Policy Statements and recommending ETF‑focused model portfolios, mutual fund models, or direct‑indexed portfolios. The firm implements advice on either a non‑discretionary or discretionary basis and may direct clients to a third‑party turnkey asset management platform (Symmetry Partners) for model allocations.

The adviser’s methodology draws on fundamental analysis, modern portfolio theory, and technical analysis to construct long‑term allocations and monitor performance against benchmarks, while emphasizing tax‑aware options such as direct indexing. Reporting is provided quarterly via custodians and the firm discloses material risks related to tracking error, political policy changes, and use of AI tools in its processes.

Distinctive aspects include an affiliation with a related tax and accounting practice through the principal, an arrangement the brochure identifies as a potential conflict of interest and that may enable integrated tax and investment discussions. The firm also reports that its assets are primarily managed on a non‑discretionary basis and discloses use of AI tools (including meeting transcription) with an opt‑out option, both noted as operational features less common among independent peers.