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Charting Your


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Chambers Financial Group

Affiliated with LPL Financial

Financial Planning with Curtis

No matter you where you are in life, or where you want to go, financial planning can help you work towards your desired goal.

Financial planning can seem difficult, but it needn't be. We find the process is enjoyable and edifying.

From planning for retirement, college savings, and developing cash flow, we can help you work towards a comprehensive strategy to achieve your goals.

Curtis begins with a values analysis, and proceeds to develop a plan customized to your needs.

Take Control of Your Financial Future

The pace and complexity of managing modern finances may leave some people unprepared to achieve a successful financial future. If you’re feeling less than confident about your future, having a well-prepared financial plan can help put you in control. To manage your income and expenses effectively throughout your lifetime, consider partnering with Curtis, who has the experience to help you create a plan that strategically addresses your unique goals and needs. 

Why People Say Yes to Financial Planning

Financial Planning pulls together all your finances, and organizes them to help make management easy and effective. The more you understand and better manage your wealth, the more prepared you are for your goals and dreams.

Creating a financial plan will help you:

  • See your finances, so you understand how your individual financial decisions collectively impact your financial success.  

  • Create integrated strategies that take into account the interconnectedness of your financial activities.

  • Identify your long-term financial goals and the steps needed to pursue them.

  • Track your progress and make adjustments as you experience newlife events or develop different perspectives. 


As you consider contacting Curtis to pursue financial planning, you may have thought about the following: 

“It’s too much work.”

Curtis is especially equipped with the tools and experience to help you build a customized plan with the least amount of work for you.

“It’s too expensive.”

The fees for working with Curtis to create and monitor your plan may be smaller when compared to the opportunity cost of not managing your money in an effective, long-term manner.   

Managing your money is much like managing a business, and financial planning is a small investment with the potential to help you achieve your goals.

“It’s too late.”

It’s never too late to start planning. Whether you’re just beginning the accumulation phase of your career or you’ve already gathered substantial savings, financial planning can be valuable. Pre-retirees and those in retirement may find themselves struggling to protect their wealth, and having a plan in place, especially during uncertain economic times, can be comforting.

“I can do it myself.”

There are many online resources that will help you get started with financial planning. However, some use a one-size-fits-all approach that doesn’t customize its process for your unique needs. You aren’t able to test models against risks or make any changes based on your situation. Curtis has received specialized training and has the tools to prepare an individualized plan that maps your financial future. In addition, Curtis can guide you through implementing your plan, provide advice on revisions (when necessary), and help you monitor your progress toward making your goals a reality.


Creating an effective financial plan takes time, know-how, and experience. Even if you’re using popular consumer financial tools, planning on your own may be overwhelming and frustrating. By consulting with Curtis, who has daily professional experience, you can reduce your workload and ensure your plan is comprehensive and based on current trends and data.

When you partner with an advisor, you’ll gain:

  • Knowledge of options and alternatives tailored to your specific
    financial situation

  • Connections to a network of professionals (accounting, legal, real
    estate, insurance, trusts) when additional expertise is needed

  • Advice and support from an experienced professional
    committed to guiding you toward long-term financial well-being


The key to creating a successful financial plan is ensuring it covers your current and future financial needs. To determine your particular needs, spend time with your financial advisor considering your options, defining your goals, and evaluating your resources. 

The following are some common areas to consider when planning your financial future.

Cash Flow

Cash flow is a cornerstone in developing a comprehensive financial plan. Identifying what your spending habits are now will help Curtis identify what your cash flow needs in retirement will be. Failing to have a clear picture of your bills and expenses can dramatically reduce your ability to meet your financial objectives. 


Fundamental to building a secure, manageable future is saving for the unexpected as well as the expected. Saving is easier if you “pay yourself first” and build automatic savings into your budget.

Risk Management

Risk can take many forms: illness, accident, liability, and natural disasters, to name a few. Failing to manage risk properly can jeopardize your financial future. That’s why smart financial planning evaluates the various levels and types of insurance you carry to make sure they’re aligned with your overall goals and needs. In many cases, insurance can also be used effectively as an alternative revenue stream and a hedge against inflation and riskier types of investments. Life insurance policies contain exclusions, limitations, and reductions of benefits, and terms for keeping them in force. Curtis can provide you with costs and complete details.

Education Funding

The costs of education for children and grandchildren can be staggering and are seemingly always on the rise. Education is often one of the largest expenses families incur. Arm yourself with current information about the variety of proactive educational savings vehicles that can help you plan your funding goals while managing exposure to big surprises or long-term debt. 

Retirement Planning 

Social Security benefits, employer-sponsored plans, and personal retirement savings including investments, IRAs, and annuities typically combine to compose the retirement income for most Americans. Deciding which retirement choices will serve you best can be daunting, but Curtis can guide you to the options that will help support and enhance your overall investment and tax strategies.

Estate Planning 

Your legacy is in your hands. Only through diligent monitoring can you be assured your assets will be transferred effectively and according to your wishes to the people and charities you care about most. Establishing trusts, regularly reviewing your legal documents and beneficiary designations, and examining tax implications for survivors are vital to establishing a plan that provides you and your loved ones with greater confidence and security. 

Getting Started 

Let Curtis know you want the potential benefits of financial planning for you and your loved ones, and schedule an appointment to begin the process. 

The more information you provide Curtis, the better. Even if you drop off a box filled with your essential financial records, that’s often enough to allow Curtis to to start creating your customized financial plan. 

Once your plan has been created, you and Curtis will review it regularly to help you stay on track toward your goals. As life changes, so does your financial situation. Curtis will strategize with you to help you address these changes and keep you on the path to financial success.

Request an appointment.


With a complimentary consultation, in 15 minutes we can get to know you. 

Your situation, values and needs.

Then we may develop a plan that works towards creating true wealth.