Morningstar Magazine - October/November 2016 - 87
She adds, "I'm the perfect financial advisor for
clients who want personalized one-on-one
service and advice from an independent advisor.
I have been fee-only since I started my practice
and actively embrace the NAPFA fiduciary model."
Investing Philosophy
Curtis follows the principles of strategic asset
allocation: setting target allocations for various
asset classes, then periodically rebalancing
to maintain these original allocations. She takes
great care in balancing a client's need for
return with risk tolerance when choosing the asset
allocation. Her portfolios are a mix of exchangetraded funds, actively managed funds, and index
funds. She chooses the best options for each asset
class, paying close attention to fees, standard
deviation, and strategy of each investment.
Curtis used Morningstar.com even before she
became a financial advisor as a tool for her
personal investing. As a financial advisor, she still
considers the site an essential business tool.
"I use the site daily for research on various
investments, in the development of my model
portfolios and to review the existing portfolios
of prospects," she says. "Morningstar is a
great resource that allows me to stay current
on industry trends as well as on financial
planning and retirement issues. I also attend
the Morningstar Investment Conference
each year to soak in the knowledge of seasoned
investment managers and mingle with peers."
Positive Influence
Cathy Curtis, CFP, founder of Curtis
Financial Planning.
How to Create a Budget Aligned with Your Values,
Beliefs and Ideals.
How she caught our eye: One of the most visible
financial advisors on social media. Owner of financial
planning firm focusing on women.
Personal: Married to Rob, a retired mortgage broker
who now acts as COO of her firm. They live in
Oakland Hills, Calif. President and board member
of CUESA, a nonprofit whose mission is to cultivate
a healthy food system and program chair of the
Commonwealth Club of California's Food Matters
Forum. She is an avid swimmer, Pilates practitioner,
hiker, and loves to read for business and pleasure.
Career path: Graduated from the University of
California, Berkeley, in 1980 with a bachelor's of arts
degree in social sciences and public policy.
She received her Certificate in Financial Planning
from Berkeley in 2000. Worked in a number
of customer service, sales, and marketing positions
in the food packaged-goods industry before
starting Curtis Financial Planning in January 2001.
Author of the e-book The Happiness Spreadsheet:
Favorite funds: PowerShares S&P 500 Low Volatility
ETF SPLV, iShares Edge MSCI Min Vol Emerging
Markets EEMV, iShares Edge MSCI Minimum
Volatility EAFE EFAV.
Curtis says that being an advisor allows her
to follow her passions. "I became a financial
advisor because I was passionate about personal
finance and investing," she says. "I also wanted to
be of service to people and to have a positive
influence on people's lives. Money matters are
complicated, and many people don't have the time
or interest to learn all the nuances of investing,
taxes, healthcare, estate planning, insurance,
education planning, etc. I love to help my clients
make good choices in all these areas of their
financial life." K
Roger Wohlner is a financial advisor and a freelance writer.
His blog is The Chicago Financial Planner.
global.morningstar.com/Morningstarmagazine
87
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http://global.morningstar.com/Morningstarmagazine
Table of Contents for the Digital Edition of Morningstar Magazine - October/November 2016
Contents
Morningstar Magazine - October/November 2016 - Cover1
Morningstar Magazine - October/November 2016 - Cover2
Morningstar Magazine - October/November 2016 - 1
Morningstar Magazine - October/November 2016 - 2
Morningstar Magazine - October/November 2016 - Contents
Morningstar Magazine - October/November 2016 - 4
Morningstar Magazine - October/November 2016 - 5
Morningstar Magazine - October/November 2016 - 6
Morningstar Magazine - October/November 2016 - 7
Morningstar Magazine - October/November 2016 - 8
Morningstar Magazine - October/November 2016 - 9
Morningstar Magazine - October/November 2016 - 10
Morningstar Magazine - October/November 2016 - 11
Morningstar Magazine - October/November 2016 - 12
Morningstar Magazine - October/November 2016 - 13
Morningstar Magazine - October/November 2016 - 14
Morningstar Magazine - October/November 2016 - 15
Morningstar Magazine - October/November 2016 - 16
Morningstar Magazine - October/November 2016 - 17
Morningstar Magazine - October/November 2016 - 18
Morningstar Magazine - October/November 2016 - 19
Morningstar Magazine - October/November 2016 - 20
Morningstar Magazine - October/November 2016 - 21
Morningstar Magazine - October/November 2016 - 22
Morningstar Magazine - October/November 2016 - 23
Morningstar Magazine - October/November 2016 - 24
Morningstar Magazine - October/November 2016 - 25
Morningstar Magazine - October/November 2016 - 26
Morningstar Magazine - October/November 2016 - 27
Morningstar Magazine - October/November 2016 - 28
Morningstar Magazine - October/November 2016 - 29
Morningstar Magazine - October/November 2016 - 30
Morningstar Magazine - October/November 2016 - 31
Morningstar Magazine - October/November 2016 - 32
Morningstar Magazine - October/November 2016 - 33
Morningstar Magazine - October/November 2016 - 34
Morningstar Magazine - October/November 2016 - 35
Morningstar Magazine - October/November 2016 - 36
Morningstar Magazine - October/November 2016 - 37
Morningstar Magazine - October/November 2016 - 38
Morningstar Magazine - October/November 2016 - 39
Morningstar Magazine - October/November 2016 - 40
Morningstar Magazine - October/November 2016 - 41
Morningstar Magazine - October/November 2016 - 42
Morningstar Magazine - October/November 2016 - 43
Morningstar Magazine - October/November 2016 - 44
Morningstar Magazine - October/November 2016 - 45
Morningstar Magazine - October/November 2016 - 46
Morningstar Magazine - October/November 2016 - 47
Morningstar Magazine - October/November 2016 - 48
Morningstar Magazine - October/November 2016 - 49
Morningstar Magazine - October/November 2016 - 50
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Morningstar Magazine - October/November 2016 - 86
Morningstar Magazine - October/November 2016 - 87
Morningstar Magazine - October/November 2016 - 88
Morningstar Magazine - October/November 2016 - 89
Morningstar Magazine - October/November 2016 - 90
Morningstar Magazine - October/November 2016 - 91
Morningstar Magazine - October/November 2016 - 92
Morningstar Magazine - October/November 2016 - 93
Morningstar Magazine - October/November 2016 - 94
Morningstar Magazine - October/November 2016 - 95
Morningstar Magazine - October/November 2016 - 96
Morningstar Magazine - October/November 2016 - Cover3
Morningstar Magazine - October/November 2016 - Cover4
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