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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...
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.
General information
Firm type
Bank / Wealth / Trust
Year founded
1994
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Jackson
Corporate office
Jackson, MI, United States
Principals
Matthew J. Curfman
CEO and Co-Owner
Frequently asked questions
Who runs investment and planning decisions at Richmond Brothers?
CEO and Co-Owner Matthew J. Curfman leads the firm. He wrote “FearLESS Retirement,” which outlines the firm's advice philosophy on Social Security, life insurance inside retirement plans, and the importance of a written financial plan. The team-based model combines discovery meetings, risk-scoring, and plan delivery, but Curfman's book and public workshops position him as the central decision-maker on the planning framework.
How does Richmond Brothers construct a retirement-income plan?
The firm uses a three-step sequence it calls Discover, Evaluate, Plan. Clients first define their retirement goals, then the firm runs the client's current portfolio through the Riskalyze platform to produce a risk score. That score drives a custom allocation designed under the Fearless Financial Approach, which can incorporate Social Security filing strategies, life insurance, and taxable versus tax-deferred account placement (per the firm, as of its current website).
Does Richmond Brothers act only as a financial planner, or does it also directly manage assets?
Richmond Brothers handles both. It is a registered investment advisor that provides portfolio management, asset management, and financial planning within the same engagement. The firm advertises a custom strategy for each client and uses the Riskalyze tool to align the managed portfolio with a client's quantified loss tolerance, indicating the advice and the asset management are bundled.
Where does Richmond Brothers typically source its clients?
The firm markets primarily through live educational workshops and its weekly Richmond Beat newsletter. Its web presence emphasizes in-person events in its home state of Michigan and a book giveaway rather than national digital advertising or custodial-referral programs, suggesting a local, relationship-driven pipeline.
Is Richmond Brothers part of a larger bank, insurance company, or aggregator platform?
No. The firm describes itself as family-owned and has operated under the Richmond Brothers name since 1994. It does not disclose any parent entity or aggregator affiliation on its website, and its RIA registration is consistent with a standalone, closely held advisory practice.
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