P.R. Curtman Investments

It may be surprising to hear, but even those who’ve accumulated substantial wealth may still worry about money. While financial success often brings comfort, it doesn’t alleviate every fear, insecurity, or concern. These fears run deep, often stemming from childhood experiences, societal pressures, or the responsibility of managing wealth. Understanding the psychology behind this phenomenon…

Compound interest might sound complex, but it’s actually based on a very simple principle: earning interest on your interest. Here’s a clear and simplified way of understanding this important concept.  Imagine you save some money, let’s say $100, which grows at 10% annually. At the end of the first year, you earn 10% interest on…

Receiving an unexpected sum of money can be a welcome surprise, but deciding what to do with it can be a challenge. Should you save the money or pay down debt? Invest the funds or donate to charity? While rushing to book a vacation with proceeds from a windfall may be tempting, it might be…

When it comes to financial advice, the benefits of working with a team rather than an individual advisor become increasingly clear as your financial needs grow more complex. A team can offer a range of insights and perspectives, bringing a more comprehensive approach to managing your finances.  There are a wide variety of teams out…

A Family Financial Summit might be a new concept for many of you, so let’s start by defining it before delving into whether or not you need it. Essentially, it’s a family meeting that allows for the sharing of financial values and goals.  It can be helpful in aligning expectations about inheritance, responsibilities, and the…

There’s growing evidence of the value that financial advisors bring to the table, beyond investment management. This concept, often referred to as “Advisor Alpha,” has been championed by Vanguard and does a great job illustrating the many hats a financial advisor wears.  Our goal for you, whether you’re our client or not, is to get…

What would it be like to be ultra-wealthy? Would it mean homes in Hawaii and Paris? Do you envision sailing a luxury yacht across the Mediterranean? What about chartering a trip to space? While it’s fun to imagine, this isn’t the reality for most of us.  You might have heard the term “Ultra High Net…

Tax planning is a vital part of any wealth management strategy, but reducing your tax burden isn’t always a straightforward process, especially for individuals with more complicated returns. Careful planning can help minimize your tax liability leaving you with more money to further your financial goals.  Tax planning isn’t just something you think about when…

When it comes to retirement planning, there’s a little trick in the book that might not seem like much at first but can make a huge difference down the line: reinvesting dividends. Think of it like planting a small seed in your garden. At first, it might not look like much, but give it time,…