NetWorth Financial Services provides financial planning, portfolio management for individuals and small businesses, and portfolio management for institutions. Financial planning was provided to 1–10 clients last fiscal year.
NetWorth Financial Services reports 107 clients. They include 65 individual clients and 42 high-net-worth individuals. Of its assets, 100.0% ($128M across 335 accounts) are managed with discretion. It advised 2 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 61% | 29% |
| High-net-worth individuals | 39% | 71% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 65 | $37.2M | 29.0% | $572K |
| High-net-worth individuals | 42 | $91M | 71.0% | $2.17M |
| Total | 107 | $128M | 100% | $1.2M |
- Clients
- 65
- Regulatory AUM
- $37.2M
- AUM share
- 29.0%
- Avg. per client
- $572K
- Clients
- 42
- Regulatory AUM
- $91M
- AUM share
- 71.0%
- Avg. per client
- $2.17M
Total
- Clients
- 107
- Regulatory AUM
- $128M
- AUM share
- 100%
- Avg. per client
- $1.2M
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 2
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1–10
NetWorth Financial Services charges 0.60%–1.50% a year for its Portfolio Management Services. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial planning and consulting
- Standalone financial planning and consulting is a fixed fee of $2,500 to $15,000 depending on time and complexity.
Reagan Curl owns 75% or more of NetWorth Financial Services. The leadership team of NetWorth Financial Services includes President Reagan Curl. It has 5 employees, 2 of them in advisory roles.
Leadership
- Reagan CurlPresident & Chief Compliance Officer
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
Staff
- 5 employees
- 2 in advisory functions
- 2 state-registered reps
- 1 insurance agent
- Owns 75% or more of Networth Financial Services, LLC
Reagan Curl
Control person · since August 2016
NetWorth Financial Services’ regulatory assets grew from $122M (April 2025) to $128M (March 2026); clients were 107 in both filings and employees were 5 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| March 2026 | $128M | 107 | 5 | 1 |
| April 2025 | $122M | 105 | 5 | 1 |
Besides its headquarters, NetWorth Financial Services has 0 offices, with 1 listed address in Georgia.
Georgia · 1 listed address
- 11255 Parsons Road, Suite 200, Johns CreekHQ
Contact and registration details
- Legal name
- Networth Financial Services, LLC
- Headquarters
- 11255 Parsons Road, Suite 200, Johns Creek, GA 30097
- Website
- networthfs.com
- Phone
- 678-319-0111
- SEC file
- 801-132858
- Structure
- Georgia LLC
- Fiscal year end
- December
NetWorth Financial Services uses Charles Schwab ($128M) as custodian for its separately managed accounts. NetWorth Financial Services does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $128M100%
At year end, NetWorth Financial Services’ separately managed accounts were mostly in funds (82%) and stocks (14%).
What the accounts hold
- Stocks14%
- Funds82%
- Bonds3%
- U.S. government and agency bonds1%
- State and local bonds1%
- Investment grade corporate bonds1%
- Cash1%
How many clients does NetWorth Financial Services have?
NetWorth Financial Services has 107 clients and manages $128 million for them, as of March 2026. They include 65 individual clients and 42 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 9 March 2026
What services does NetWorth Financial Services offer?
NetWorth Financial Services provides financial planning, portfolio management for individuals and small businesses, and portfolio management for institutions.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does NetWorth Financial Services charge?
NetWorth Financial Services charges 0.60%–1.50% a year for its Portfolio Management Services. The fee is billed in advance and is negotiable.
Source: NETWORTH FINANCIAL SERVICES BROCHURE & SUPPLEMENTS, filed 9 March 2026
Which custodians does NetWorth Financial Services use?
NetWorth Financial Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $128M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 9 March 2026
How many financial advisors does NetWorth Financial Services have?
NetWorth Financial Services has 2 investment adviser representatives registered with state securities authorities, out of 5 employees, and 2 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does NetWorth Financial Services invest in?
At the end of its last fiscal year, NetWorth Financial Services’ separately managed accounts held 82% registered funds (mutual funds, ETFs, BDCs), 14% exchange-traded equities, 1% U.S. government and agency bonds, 1% state and local bonds, 1% investment grade corporate bonds and 1% cash and equivalents.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns NetWorth Financial Services?
NetWorth Financial Services’ direct owner is Reagan Curl (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 9 March 2026
How does NetWorth Financial Services get paid?
NetWorth Financial Services 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 NetWorth Financial Services registered with the SEC?
Yes, NetWorth Financial Services has been registered with the SEC as an investment adviser since 27 May 2025. Its CRD number is 126666 and its SEC file number is 801-132858.
Source: Form ADV Part 1A, Item 1, filed 9 March 2026; IAPD firm record
How do I contact NetWorth Financial Services?
NetWorth Financial Services’ main office is at 11255 Parsons Road, Suite 200, Johns Creek, GA 30097. Its phone number is 678-319-0111. Its website is networthfs.com.