Richmond Brothers

Richmond Brothers

Richmond Brothers opened in 1994 as a family-owned firm in Jackson, Michigan. CEO and Co-Owner Matthew J. Curfman authored “FearLESS Retirement,” a book that distills the firm's approach to sequencing Social Security claims, structuring life insurance inside a retirement-income stack, and maintaining a written financial plan — a posture shaped by decades of advising individuals and high-net-worth clients rather than by an institutional asset-gathering model. The firm delivers wealth management through three phases it calls Discover, Evaluate, Plan. Advisors first map a client's ideal retirement, then score the existing portfolio using the Riskalyze platform to quantify how much of the nest egg a client can afford to lose during a drawdown. The output feeds the Fearless Financial Approach, which produces a custom allocation across taxable and tax-deferred accounts — a process that blends financial planning, insurance placement, and direct portfolio construction under one roof. The geographic focus is Michigan, where the firm runs live workshops on retirement-income strategies. Richmond Brothers operates from a single office in Jackson and distributes a weekly news roundup. The firm has not disclosed total AUM or team headcount. Its public footprint relies on educational events and its book giveaway rather than on intermediary channels or third-party RIA aggregators. Structurally, the firm is a closely held RIA that bundles advice, insurance, and portfolio management — a design that allows it to capture the full household balance sheet without outsourcing to a third-party TAMP or insurance network. The CEO's co-ownership keeps the governance flat and the succession tied directly to the Curfman family.