# Richmond Brothers

Richmond Brothers is a Bank / Wealth / Trust based in Jackson, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Jackson, United States
- **Region:** North America
- **Address:** Jackson, MI, United States
- **Founded:** 1994
- **Assets under management:** Undisclosed
- **Website:** richmondbrothers.com
- **LinkedIn:** https://www.linkedin.com/company/richmond-brothers-inc

## Regulatory record

- **CRD number:** 158916
- **SEC file number:** 801-72736
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/158916

## About

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.

## People

- Matthew J. Curfman — CEO and Co-Owner

## 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).

## Related profiles

- [Richland Equities](https://altss.com/profile/richland-equities)
- [Richmond Global Ventures](https://altss.com/profile/richmond-global-ventures)

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Last updated: 2026-06-03T20:00:00.000Z

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