Capital Wealth Planning Services

The firm functions primarily as an allocator and investment advisor rather than a direct investor. Client portfolios are diversified across equities, fixed income, alternative investments, and private real estate or private equity funds accessed through external managers. A tax-sensitive overlay is central to the advice model, reflecting the firm's multi-generational client base and the income-planning priorities of wealthy families in the Florida market.

The firm operates as a multi-family office, serving a limited number of high-net-worth families through a unified advisory practice. Unlike the single-family office model tied to one wealth creator's capital, Capital Wealth Planning Services applies its investment, tax, and estate planning framework across multiple unrelated families, predominantly in the southeastern United States.

Curtis S. Lyman founded the firm in 1985 and has maintained a low public profile characteristic of a fiduciary advisor. The firm's continuity under his leadership across four decades suggests a career built on acquired professional designations and trust-based client relationships, though specifics of his prior institutional experience are not publicly documented.