Curtis Hearn

CFP
Personal Finance, Retirement, Taxes
97%
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13
Answers
13
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“Curtis Hearn is a wealth advisor at Gratus Capital, where he helps clients plan for retirement, minimize taxes, analyze their insurance needs, and implement their legacy planning.”
Firm:

Gratus Capital

Job Title:

Wealth Advisor

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 (now Gratus Capital), 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, consult on stock options, legacy preservation, and risk management. 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 for millennials and young adults at smartmoneynation.com.

Education:

MBA, Business Administration, Southern Wesleyan University

Assets Under Management:

$180 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.

All Articles
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August 2017
    Investing, Lifestage Based Planning, Small Business, Small Business Financing
October 2017
    Financial Planning, Personal Finance
August 2017
    Financial Planning, Retirement Savings
August 2017
    Investing, Stocks
August 2017
    Financial Planning, Personal Finance

All Answers
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Should I make a principle-only payment on my credit card, if I don't have a payment due because I pay over the minimum amount?
33% of people found this answer helpful

Yes. If possible, you should payoff your credit card in full each month.

You will pay interest on the outstanding balance on your credit card each month beyond the first month in which the purchases are made. However, if you payoff the balance in full each month, then you pay no interest and are simply using the credit card for it's convenience, fraud protection, and rewards. I highly recommend that, if you do use a credit card at all, you use it in only that way.

Beyond that, having a working understanding of types of good debt vs bad is very important. In addition, I highly recommend investing some time into creating a workable monthly budget. Mint.com is one example of cloud-based personal finance software that can help you organize and track your spending. Here's a comprehensive review of Mint.com for 2018 that you can check out.

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Which retirement plan should I choose when my employer offered to contribute monthly to whichever plan I decide?
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Which books should I read to understand financial advising?
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How can we pay off debt so we can focus on increasing our savings?
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