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.

The firm avoids institutional products like hedge funds, private equity, and venture capital — its entire book is built around liquid, transparent instruments suitable for individual retirement accounts. It does not engage in direct real estate syndication or non-traded REITs, and there is no evidence of speculative trading strategies or alternatives usage.

Money Advisors, Inc. is the corporate entity and regulatory umbrella; Century Investment Planning is the DBA operating name under which Mark A. Stevens serves retail clients. This is a common Michigan architecture where a single registered entity acts as the broker-dealer and RIA chassis for multiple independently-branded advisory practices, though in Century's case the practice and the entity appear substantially aligned with a single location and principal.

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 public succession plan has been disclosed. The balance of evidence from the firm's website and public filings suggests a solo-practitioner model with no named junior partner or internal successor. Barring a future lift-out or acquisition by a local aggregator such as an RIA roll-up, the practice's continuity is concentrated in Stevens's personal planning horizon.

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.