Nickel Investment Advisors, Inc.

Nickel Investment Advisors provides ongoing portfolio management through its Investment Supervisory Services to individuals and high‑net‑worth clients and also accepts corporate/business entities and charitable organizations as clients. The firm creates an Investment Policy Statement for each client and, when advising retirement accounts, acts in a fiduciary capacity while generally operating with discretionary authority to implement the IPS.

Portfolios are generally constructed using no‑load and load‑waived mutual funds and the adviser employs fundamental, cyclical, and momentum analysis, including a performance allocation model coupled with active momentum analysis to guide selection and timing. The firm documents client risk tolerance and time horizon in the IPS, monitors accounts regularly, and may use both long‑term and short‑term trading as part of its strategy.

Operationally, the firm requires clients to use its recommended custodian rather than permitting client‑directed brokerage, does not participate in wrap fee programs, and does not accept third‑party compensation for product sales. The brochure discloses that representatives may trade personal accounts at or around the same time as client trades (the firm has no blackout policy and allows a five‑day window for certain securities) and notes a historical arbitration matter involving the firm’s principal in 1996.