# Curtis Financial Planning

Curtis Financial Planning is a RIA based in Oakland, United States.

## Overview

- **Organization type:** RIA
- **Headquarters:** Oakland, United States
- **Region:** North America
- **Address:** Oakland, CA, United States
- **Founded:** 1989
- **Assets under management:** Undisclosed
- **Website:** curtisfinancialplanning.com
- **LinkedIn:** https://www.linkedin.com/company/cathycurtis

## Regulatory record

- **CRD number:** 136785
- **SEC file number:** 801-132154
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/136785

## About

Curtis Financial Planning is an SEC-registered investment adviser since 2025. The firm manages approximately $164 million in regulatory assets. It has 1 employee and 1 investment adviser.

## People

- Cathy Curtis — Founder and Principal

## Questions

### Who runs investment decisions at 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.

### What investment stages or asset classes does the firm typically target?

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.

### Does the firm participate in fund commitments or only direct investing?

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.

### What is the known posture on co-investments alongside external institutions?

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.

## Related profiles

- [RSG Financial Group](https://altss.com/profile/rsg-financial-group-inc)

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Last updated: 2026-07-06T01:24:14.985Z

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