Curio Wealth provides financial planning, portfolio management for individuals and small businesses, education planning, estate planning, insurance, retirement plan services, tax planning, and tax preparation. Financial planning was provided to 251–500 clients last fiscal year.
Curio Wealth reports 354 clients. They include 304 individual clients and 50 high-net-worth individuals. Of its assets, 100.0% ($461M across 356 accounts) are managed with discretion. Of its clients, 1% are outside the U.S. It advised 26 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 86% | 45% |
| High-net-worth individuals | 14% | 54% |
| Pension and profit-sharing plans | Fewer than 5 | 1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 304 | $208M | 45.2% | $686K |
| High-net-worth individuals | 50 | $247M | 53.6% | $4.94M |
| Pension and profit-sharing plans | Fewer than 5 | $5.49M | 1.2% | — |
| Total | 354 | $461M | 100% | — |
- Clients
- 304
- Regulatory AUM
- $208M
- AUM share
- 45.2%
- Avg. per client
- $686K
- Clients
- 50
- Regulatory AUM
- $247M
- AUM share
- 53.6%
- Avg. per client
- $4.94M
- Clients
- Fewer than 5
- Regulatory AUM
- $5.49M
- AUM share
- 1.2%
- Avg. per client
- —
Total
- Clients
- 354
- Regulatory AUM
- $461M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 1%
- Clients advised without assets under management last fiscal year
- 26
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
Curio Wealth charges 0.40%–1.00% a year for its Advisory service agreement. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $4,000 annual minimum. The brochure also prices 5 other services, listed under fee details.
| Asset band | Annual rate |
|---|---|
| $0–$2M | 1.00% |
| $2M–$4M | 0.75% |
| $4M and above | 0.40% |
Fee details and sources
Other fees
- Advice Pay subscription
- Planning fees may be paid by card through Advice Pay, with an optional monthly flat-fee planning subscription.
- Financial planning
- Financial plans are priced by complexity, generally from $1,000 to $10,000 and negotiable, with 50% billed in advance.
- Hourly planning and implementation
- Limited-scope hourly planning and follow-on implementation work is billed at $350 per hour.
- Retainer agreement
- A fixed annual retainer fee, based on scope and complexity and negotiable, may be used in limited cases.
- Tax preparation
- Tax preparation is priced by complexity, generally from $500 to $3,000, and is negotiable.
Lyn Dippel owns 25% to 50% of Curio Wealth. The leadership team of Curio Wealth includes Chief Compliance Officer Lyn Dippel. It has 13 employees, 9 of them in advisory roles.
Leadership
Lyn DippelChief Compliance Officer
Elizabeth GilletteMember
James KantowskiMember
Jacob SadlerMember
Yvonne ScogginsMember
Investment adviser representatives
8 representatives listed in the SEC register as of 9 October 2026.
Staff
- 13 employees
- 9 in advisory functions
- 9 state-registered reps
- Owns 25% to 50% of Curio Wealth, LLC
Lyn Dippel
Control person · since October 2023
- Owns 25% to 50% of Curio Wealth, LLC
James Kantowski
Control person · since October 2023
- Owns 5% to 10% of Curio Wealth, LLC
Jacob Sadler
since October 2023
- Owns 5% to 10% of Curio Wealth, LLC
Elizabeth Gillette
since February 2024
- Owns 5% to 10% of Curio Wealth, LLC
Yvonne Scoggins
since August 2024
Curio Wealth’s regulatory assets grew from $331M (March 2024) to $461M (September 2026); clients rose from 304 to 354 and employees from 10 to 13.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $461M | 354 | 13 | 9 |
| July 2025 | $384M | 347 | 10 | 9 |
| March 2024 | $331M | 304 | 10 | 7 |
Besides its headquarters, Curio Wealth has 8 offices (7 private residences, listed without an address), with 2 listed addresses in Maryland and North Carolina.
Maryland · 1 listed address
- 721 Melvin Ave, AnnapolisHQ
North Carolina · 1 listed address
- 30 Town Square BLVD, Asheville
Contact and registration details
- Legal name
- Curio Wealth, LLC
- Headquarters
- 721 Melvin Ave, Annapolis, MD 21401
- Website
- curiowealth.com
- Phone
- 410-449-2599
- @curiowealth
- SEC file
- 801-128998
- Founded
- 2023
- Structure
- Maryland LLC
- Fiscal year end
- December
Curio Wealth uses Charles Schwab ($367M, 80%) and Fidelity ($90.5M, 20%) as custodians for its separately managed accounts. Curio Wealth has custody of $154M in client assets for 286 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $367M80%
- FidelityFidelity Distributors Company LLC · Smithfield, RI · $90.5M20%
At year end, Curio Wealth’s separately managed accounts were mostly in funds (90%). Its reported 13F holdings for the quarter ended 30 June 2026 total $322M across 78 positions; the largest are Dfa US Core Equity Market ETF (17.8%), Dfa Global Core Fixed Income ETF (15.7%) and Dfa S/t Fixed Income ETF (15.3%).
What the accounts hold
- Stocks4%
- Funds90%
- Bonds3%
- U.S. government and agency bonds1%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash5%
Reported 13F holdings
- $322M
- Reported 13F value
- 78
- Positions
- 74.2%
- In the 10 largest
- +10.1%
- Value vs. prior quarter
- Dfa US Core Equity Market ETFETF17.8%
- Dfa Global Core Fixed Income ETFETF15.7%
- Dfa S/t Fixed Income ETFETF15.3%
- Dfa Int Core Equity ETFETF5.9%
- Avantis Intl Core Equity ETFETF4.5%
- Dfa US Small Cap ETFETF3.3%
- Avantis Emerging Mkt EQ ETFETF3.3%
- Dimensional US Lrge CP Vctr ETFETF3.2%
- Avantis US Equity ETFETF2.7%
- Dfa US Real Estate ETFETF2.4%
Together, the ten largest are 74.2% of reported value.
How many clients does Curio Wealth have?
Curio Wealth has 354 clients and manages $461 million for them, as of September 2026. They include 304 individual clients and 50 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 15 September 2026
What services does Curio Wealth offer?
Curio Wealth provides financial planning, portfolio management for individuals and small businesses, education planning, estate planning, insurance, retirement plan services, tax planning, and tax preparation.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Curio Wealth charge?
Curio Wealth charges 0.40%–1.00% a year for its Advisory service agreement. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $4,000 annual minimum.
Which custodians does Curio Wealth use?
Curio Wealth’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $367M and Fidelity Distributors Company LLC (Smithfield, RI), with $90.5M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 15 September 2026
How many financial advisors does Curio Wealth have?
Curio Wealth has 9 investment adviser representatives registered with state securities authorities, out of 13 employees, and 9 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Curio Wealth invest in?
At the end of its last fiscal year, Curio Wealth’s separately managed accounts held 90% registered funds (mutual funds, ETFs, BDCs), 5% cash and equivalents, 4% exchange-traded equities, 1% U.S. government and agency bonds, 1% state and local bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Curio Wealth?
Curio Wealth’s direct owners are Lyn Dippel, Jacob Sadler, James Kantowski, Elizabeth Gillette and Yvonne Scoggins, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 15 September 2026
How does Curio Wealth get paid?
Curio Wealth is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
Is Curio Wealth registered with the SEC?
Yes, Curio Wealth has been registered with the SEC as an investment adviser since 6 November 2023. Its CRD number is 328178 and its SEC file number is 801-128998.
Source: Form ADV Part 1A, Item 1, filed 15 September 2026; IAPD firm record
How do I contact Curio Wealth?
Curio Wealth’s main office is at 721 Melvin Ave, Annapolis, MD 21401. Its phone number is 410-449-2599. Its website is curiowealth.com.