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Curtis Hearn

Personal Finance, Retirement, Taxes
“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.”

Gratus Capital

Job Title:

Wealth Advisor


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.


MBA, Business Administration, Southern Wesleyan University

Assets Under Management:

$180 million

Fee Structure:


CRD Number:



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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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
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August 2017
    Financial Planning, Personal Finance

All Answers
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    Debt, Retirement, Social Security, Investing
How can my husband and I safely invest money made from the sale of our property to help us in retirement while we live in Mexico and travel?
80% of people found this answer helpful

Congrats on your retirement! Having traveled significantly myself, including some in Mexico, I think you can probably live very confortably on Social Security there. However, keep in mind a few practical suggestions in addition to the investment pointers that Mark mentioned:

  • Currency -- your income and investments will be in dollars while you're spending in pesos. Therefore, I suggest your long-term plan incorporate enough flexibility to prevent a surge in the peso from hurting your lifestyle. Therefore, I recommend building in a buffer each year between spending and income that protects again that.
  • Income from Investments -- be careful about any investment portfolio whose primary goal is income. Investments should be selected on the basis of their projected total return vs risk profile, and not simply to maximize income. Many poor investments pay high dividend and interest rates, but in a recession may still result in a permanent loss of capital. A good financial planner can help you determine a safe withdrawal rate that is independent of the investment selection.
  • Taxes -- remember that you'll still need to file a US tax return each year, so start looking for an accountant that understands expat tax rules. Some even help you file the FBAR report if you end up needing to hold assets in a foreign bank.
  • Banking -- you'll also want to setup a relationship with a international bank that caters to frequent travellers. The right international bank can offer competitive exchange rates, international phone numbers for customer service, and some even rebate all ATM fees anywhere in the world!
  • Investments -- in addition to Mark's suggestions, I would just add that you'll probably want to work with an advisor that understands investing for expats. Blue sky rules can make owning some traditional mutual funds difficult, but a well-versed advisor can help you navigate those waters and build the right portfolio for the long-term.
last month
    Debt, Personal Finance
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
February 2018
    Career / Compensation, Financial Planning, Retirement Savings
Which retirement plan should I choose when my employer offered to contribute monthly to whichever plan I decide?
30% of people found this answer helpful
May 2017
    Career / Compensation
Which books should I read to understand financial advising?
20% of people found this answer helpful
April 2017
    Debt, Real Estate, Taxes
Should we pay off our rental property early?
14% of people found this answer helpful
May 2017