Curtis Hill: Certified Financial Planner
and Registered Investment Advisor, RIA
Since many individuals and small businesses depend on their investment professional for reliable advice, it is wise to learn what qualifies them as financial professionals. Curtis Hill specializes in helping retirees and pre-retirees plan their “next chapter”. Curtis has more than twenty-five years of experience providing investment, insurance and retirement advice. His expertise comes from working with clients through various economic conditions.
Striving to provide the best advice for his clients, Curtis has earned his CERTIFIED FINANCIAL PLANNER™ designation. Has your current advisor acquired the academic competency required to become a CFP®?
Curtis also holds two bachelor’s degrees from North Carolina State University (1978) plus a Master’s Degree from Southern Methodist University (1981). He was a successful professional and manager for fifteen years before becoming an investment and retirement advisor.
Curtis has written two books, which challenge the traditional advice that most financial planner provide. They are entitled “The Wealth Conspiracy, Avoid the Dark Side of Wall Street” and “The Financial Blind Side, How Your Investment Advisor’s Bias Limits Your Wealth.” In these books you will learn how many advisors compromise their clients’ best interest in order to maximize their own profits. You will also learn what his tag line means “Not the Same Old Advice” and why Curtis is truly a different kind of financial advisor.
Raised in North Carolina, Curtis moved to Dallas in his twenties. He moved to Los Angeles in his late thirties where his lives now with his wife of 20+ years, Irina and their dog Alex.
Certified Financial Planner (CFP)
The CFP designation demonstrates an advance dedication on the part of advisor to providing the best possible advice to you. By obtaining a CFP an advisor is demonstrating their commitment to providing the best service and advice possible.
Candidate must meet the following requirements: A bachelor’s degree (or higher) from an accredited college or university, and. Three years of full-time personal financial planning experience or the equivalent part-time experience (2,000 hours equals one year full-time). Must complete and pass the exam on 7 post graduate courses specified in the CFP certification education curriculum which are offered through several accredited universities. Then you must set for the comprehensive CFP qualifying exam.
Curtis Hill has held his Certified Financial Planner designation for 10 plus years and have been licensed in both securities and insurance since 1994
Registered Investment Advisor, RIA
A Registered Investment Advisor (RIA) has achieve this status by successfully taking the Series 65 or 66 exam. RIA is a designation of FINRA/SEC. FINRA stands for Financial Industry Regulation Authority and SEC stands for U.S. Securities and Exchange Commission. RIA are regulated by the SEC.
Registered Investment Advisors have thousands of investments strategies for you to chose between. Typically instead of recommending individual investments, RIA recommend a portfolio of separate managers who have developed have a track for selecting and trading investments based on tested strategy proven over time. These strategies may be slowly implemented by human hands or fast computer traded algorithms.
Personalized Professionalism is the Key
Avoid automatic or computer assistant Robo Advisors or Digital Advisors that try to force fit you to one of their model investments plans after answering a few questions. Work with a real live professional investment advisor. Someone who has 20 years plus experience who has seen declining markets. Consider full service independent advisor that have the flexibility to offer a variety of solutions, versus some brand name financial firm affiliated advisor than has their own agenda. Avoid insurance only licensed advisors as they will only offer insurance related solutions. Similarly, avoid security only licensed people as they will only offer security related solutions. It’s best if you have a financial advisor who has both types of license so they are free to recommend what is best for you.
Medicare Licensed and Certified
Curtis Hill has achieved his Medicare Insurance License and insurance carrier certifications. This qualifies Curtis to sell and provide advice on Medicare Advantage plans, Medicare supplemental plans, (also known as Medigap plans), and Medicare Part D prescription plans.
Service area include all of the state of California and particularly the counties of Los Angeles County, Orange County, Riverside County, and Ventura County.
Service cities are not limited to but include, Los Angeles, Beverly Hills, Santa Monica, Glendale, West Hollywood, Pasadena, Culver City, Manhattan Beach, Malibu, Calabasas, Marina Del Ray, Santa Clarita, Palmdale, and Burbank,
Curtis is also licensed in various other states and is willing to extend his licenses to where you live.