{"url":"https://nivawealth.com/firms/curtis-financial-planning-136785","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/136785","regulatoryAum":163500000,"crd":"136785","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"1644947","suffix":null,"lastName":"CURTIS","firstName":"CATHERINE","middleName":null}],"total":1,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2025-02-10","regulatoryAum":129600000,"clients":75,"employees":1,"offices":1},{"filedOn":"2026-03-30","regulatoryAum":163500000,"clients":76,"employees":1,"offices":1}],"secFileNumber":"801-132154","legalName":"Curtis Financial Planning, LLC","displayName":"Curtis Financial Planning","slug":"curtis-financial-planning-136785","website":"https://curtisfinancialplanning.com/","classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"xUrl":"https://twitter.com/cathycurtis","founded":null,"organization":"California limited liability company","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":[],"registration":{"secApproved":"12 March 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":2151315.789473684,"staff":{"employees":1,"advisory":1,"brokerDealerReps":0,"insuranceAgents":0,"promoters":0},"aum":{"regulatory":163500000,"discretionary":163500000,"discretionaryAccounts":238,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":10,"regulatoryAum":5500000},{"label":"High-net-worth individuals","clients":66,"regulatoryAum":158000000}],"feePrograms":[{"role":"main","program":"Total Wealth Management Fees","feeBasis":"marginal","fee_tiers":[{"to":1000000,"pct":1,"from":0},{"to":3000000,"pct":0.8,"from":1000000},{"to":6000000,"pct":0.65,"from":3000000},{"to":null,"pct":0.45,"from":6000000}],"sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1031961","versionId":1031961,"ratePeriod":"annual","fee_billing":"advance","submittedOn":"2026-03-30","documentName":"FORM ADV PART 2","fee_rate_low":0.45,"fee_rate_high":1,"fee_negotiable":true,"minimum_account":null,"feeMinimumPeriod":"annual","fee_minimum_annual":10000}],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed","checkedAt":"2026-10-22T13:19:22.057666+00:00","documents":[{"name":"FORM ADV PART 2","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1031961","versionId":1031961,"submittedOn":"2026-03-30"}]},"custodians":[{"name":"Charles Schwab & Co., Inc.","shortName":"Charles Schwab","location":"Westlake, TX","smaAssets":163500000}],"custodyNote":"Curtis Financial Planning has custody of $5.3M for 1 clients.","otherCustodians":[],"leadership":[{"name":"Catherine Curtis","title":"Owner and Chief Compliance Officer","crd":"1644947"}],"ownership":[{"label":"Catherine Curtis","detail":"Owner and chief compliance officer in the 75% or more ownership band and a control person, since January 2001."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":0,"privateResidences":0},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"510-451-3528","stateRegisteredReps":1,"otherAdviserReps":0,"compensation":["A percentage of assets under management","Fixed fees (other than subscription fees)"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses","Selection of other advisers (including private fund managers)","Educational seminars/workshops"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":26},{"label":"U.S. state and local bonds","percent":1},{"label":"Investment grade corporate bonds","percent":2},{"label":"Securities issued by registered investment companies or business development companies","percent":67},{"label":"Cash and cash equivalents","percent":6}],"privateFunds":0},"sources":{"adv1FilingDate":"30 March 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/136785/PDF/136785.pdf","brochureDate":"30 March 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1031961","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Curtis Financial Planning have?","answer":"Curtis Financial Planning has 76 clients and manages $164 million for them, as of March 2026. They include 66 high-net-worth individuals and 10 individual clients.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Curtis Financial Planning offer?","answer":"Curtis Financial Planning provides financial planning, portfolio management for individuals and small businesses, selecting other managers, and educational seminars.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How much does Curtis Financial Planning charge?","answer":"Curtis Financial Planning charges 0.45%–1.00% a year for its Total Wealth Management Fees. Each asset band is charged at its own rate. The fee is billed in advance, is negotiable and has a $10,000 annual minimum.","source":"FORM ADV PART 2, filed 30 March 2026","sourceRef":{"doc":"brochure","section":"fees"}},{"question":"Which custodians does Curtis Financial Planning use?","answer":"Curtis Financial Planning’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $164M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 March 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Curtis Financial Planning have?","answer":"Curtis Financial Planning has 1 investment adviser representative registered with state securities authorities, out of 1 employees, and 1 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Curtis Financial Planning invest in?","answer":"At the end of its last fiscal year, Curtis Financial Planning’s separately managed accounts held 67% registered funds (mutual funds, ETFs, BDCs), 26% exchange-traded equities, 6% cash and equivalents, 2% investment grade corporate bonds and 1% state and local bonds.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Curtis Financial Planning?","answer":"Curtis Financial Planning’s direct owner is Catherine Curtis (75% or more).","source":"Form ADV Part 1A, Schedules A and B, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Curtis Financial Planning get paid?","answer":"Curtis Financial Planning is paid through a percentage of assets under management 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","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Curtis Financial Planning?","answer":"Its phone number is 510-451-3528. Its website is curtisfinancialplanning.com.","source":"Form ADV Part 1A, Item 1.F, filed 30 March 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}