Century Investment Planning

Mark A. Stevens functions as the principal advisor and decision-maker on all portfolio construction and security selection. The firm's small-team structure means allocation trade-offs, annuity-contract elections, and individual-bond purchase decisions all trace back to him. There is no investment committee or external CIO overlay; the practice reflects a single-advisor risk posture.

The firm operates through the Money Advisors, Inc. broker-dealer framework, meaning it can function in both a suitability (commission-based) and a fiduciary (fee-based advisory) capacity depending on the account. Clients in advisory accounts receive ongoing fiduciary oversight under the Investment Advisers Act of 1940, while brokerage-account relationships are governed by FINRA suitability standards. The dual-registration structure is standard for independent advisors of this vintage.

Annuities — particularly fixed-indexed and income-rider products — are a material component of the firm's retirement-income portfolios, sourced from major carriers. The practice does not position itself as annuity-averse, but the product selection spans multiple insurance companies, which differentiates it from captive-agent models where only a single carrier's shelf is available.

No. The firm's addressable market is exclusively US retail households, primarily in Southeast Michigan, and centers on individual retirement accounts, rollovers, and taxable brokerage accounts. There are no institutional separate accounts, pension-fund mandates, or sub-advisory relationships.