Curtis Hearn

CFP
Personal Finance, Retirement, Taxes
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“Curtis Hearn is a partner and wealth manager at JPH Advisory Group, where he helps clients plan for retirement, minimize taxes, analyze their insurance needs, and implement their legacy planning”
Firm:

JPH Advisory Group, Inc.

Job Title:

Wealth Manager and Partner

Biography:

Curtis began his career in financial services at a boutique wealth management firm in his hometown of Greenville, South Carolina. While he always had an interest and inclination towards finance and economics, he quickly discovered he also had a passion for teaching and working with people. During that time, he went back to school at night to complete his MBA from Southern Wesleyan University, and was subsequently promoted to Director of Financial Planning Operations. Later, he would go on to earn the CERTIFIED FINANCIAL PLANNER® certification through Boston University.

Soon thereafter, Curtis joined JPH Advisory Group, as a Senior Financial Advisor, to serve clients in all areas of the wealth management process. Curtis works with clients to design financial plans, oversee investment strategies, and most importantly listen.  His strengths lie in taking complex financial problems, simplifying them into manageable choices, and then communicating options to clients in a straightforward and easy-to-understand manner. Curtis's goal is to guide his clients to their desired financial future.

In his free time, Curtis enjoys traveling, water sports, staying fit, and reading. He also enjoys blogging on personal finance issues at smartmoneynation.com.

Education:

MBA, Business Administration, Southern Wesleyan University

Assets Under Management:

$140 million

Fee Structure:

Fee-Only

CRD Number:

5227599

Disclaimer:

Investment advisory services offered through JPH Advisory Group, Inc., a Registered Investment Advisor. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment advisor does not constitute an endorsement of the firm by securities regulators nor does it indicate that the advisor has attained a particular level of skill or ability. Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the author as of the date of publication and are subject to change. Information on this website does not involve the rendering of personalized investment advice, but is limited to the dissemination of general information on products and services. A professional adviser should be consulted before implementing any of the options presented. Information on this website is not an offer to buy or sell, or a solicitation of any offer to buy or sell the securities mentioned herein. Information on this website is directed toward U.S. residents only. All investments are subject to risk and may lose value. Past performance is not an indicator of future success.

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March 2017
    Asset Allocation, Investing, Stocks
March 2017
    Investing, Stocks
February 2017
    Investing, Lifestage Based Planning, Small Business, Small Business Financing
May 2017
    Personal Finance, Debt
May 2017
    Career / Compensation, Lifestage Based Planning, Mid Career

All Answers
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    Career / Compensation, Financial Planning, Retirement Savings
Which retirement plan should I choose when my employer offered to contribute monthly to whichever plan I decide?
100% of people found this answer helpful

Congrats on your promotion! Since your company does not offer an employer-sponsored retirement plan (such as a 401k, 403b, or pension plan), your only two options are an IRA or a Roth IRA. As Alexander already stated, the maximum you can contribute to either of these plans is $5500 for 2017, or $6500 if you are age 50 or older. Is addition, the Roth IRA does have income limitations as well.

As to which plan you should choose, my viewpoint is that it depends on your current tax bracket, and what bracket you will most likely be in when you retire. For more information, I've written a detailed explanation on how to choose between an IRA and a Roth IRA on my blog, SmartMoneyNation.com.

Best of luck!

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Which books should I read to understand financial advising?
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April 2017
    Debt, Personal Finance
When can debt be considered "good"?
May 2017
    Debt, Financial Planning, 401(k)
How can we pay off debt so we can focus on increasing our savings?
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