Curtis Financial Planning

Cathy Curtis, the founder and principal, has personally managed the portfolio construction and investment policy decisions since 1989. The firm operates as a solo practice, meaning there is no investment committee or separate CIO — all asset allocation choices and client relationship management run through her directly.

The firm is a registered investment advisor (RIA) operating on a fee-only basis. It is not a single-family office; it serves multiple unrelated individual clients, predominantly women. The 'family' in the firm name refers to the personal financial planning focus rather than serving a single family's consolidated wealth.

The practice emphasizes traditional publicly traded securities — individual equities, ETFs, bonds, and cash equivalents — within a strategic asset allocation framework. Curtis does not participate in venture capital, private equity, or direct startup investing, focusing instead on liquid, transparent vehicles that align with the long-term financial independence goals of her client base.

The firm uses exchange-traded funds and mutual funds as primary building blocks for diversified exposure. There is no disclosed history of fund-of-funds commitments or private fund LP investments. The investment philosophy favors low-cost, passive and factor-based strategies rather than active manager selection.

Curtis Financial Planning does not engage in institutional co-investments, club deals, or syndicated private placements. The entire investment approach is designed around the liquidity needs and risk tolerance of individual retail clients, not institutional co-investing structures.