- FEES MATTER
Choose an Hourly Flat-Fee Financial Advisor









Advice-Only Financial Planning
You and your family deserves quality advice, transparent pricing, and low-cost investments.
Only Pay For Advice
Hold On To More Of Your Money
No Hidden Fees And No Sales Pitches
How the absence of commissions and % fees works in your favor:
We encourage Investors to be mindful of...
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.
Benefits of working with us
Unbiased and No-Conflicts of Interest
Flat-Fee Advice; most consumer friendly model
Maximizing ROI Over Longer Term
Listen what our valuable clients have to say
Jack Bogle
the founder of Vanguard®
often emphasized the impact of fees on investment returns.
“Fees matter”

Stephen Lay, CFP®, RICP®
Curtain Wealth Planning L.L.C. (“Curtain Wealth”) is a registered investment adviser offering advisory services in the State of Utah and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by Curtain Wealth in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.
All written content on this site is for information purposes only. Opinions expressed herein are solely those of Curtain Wealth, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.