Curtain Wealth Planning
Pulling the curtain back on Wall Street because fees matter
An Alternative to Traditional Financial Advisors
Looking for an alternative to traditional financial advisors and Wall Street institutions?
Curtain Wealth Planning avoids the many conflicts of interest and the impact of fees on investment returns by focusing on empowering individuals and educating them to make informed financial decisions without the influence of commissions or high advisory fees.
How the absence of commissions and % fees works in your favor:
The emphasis on a flat, hourly fee structure rather than charging based on the value of an individual’s account or the products sold offers greater transparency and reduces conflicts of interest. This approach allows clients to receive advice tailored to their needs without the pressure of product sales influencing recommendations.
We encourage Investors to be mindful of...
… fees and expenses associated with their investments, whether in advisory services, mutual funds, or other financial products.
We help our clients understand...
… the impact of fees on investment returns is an essential aspect of making informed financial decisions and optimizing the long-term growth of a portfolio.
Stephen's model of financial guidance appeals to...
… individuals seeking more control over their financial planning and looking for unbiased advice and a personalized touch.
Jack Bogle, the founder of Vanguard®, often emphasized the impact of fees on investment returns.
“Fees matter,” encapsulates Jack’s philosophy that minimizing costs, including advisory fees, can significantly impact the long-term performance of investments. For example, 1.5% advisory fee might seem relatively small on an annual basis, but when compounded over several decades, it can indeed have a substantial impact on the overall returns of an investment portfolio. The more money that goes toward fees, the less is available for potential growth. Over a forty-year period a 1.5% advisory fee can reduce an investor’s future value of their investment by 45%.
Quote
"If you're considering financial advisory services, it's essential to assess your own financial goals and preferences to determine which approach aligns best with your needs."
Stephen Lay, CFP®, RICP®