Contour Financial
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Contour Financial serves individual households seeking retirement planning and investment management, with an emphasis on clients who are not high‑net‑worth. The firm combines investment oversight with broader financial planning services such as insurance review, estate considerations, education funding, tax planning and, for qualifying clients, individual tax return preparation.
The firm builds diversified portfolios primarily using mutual funds and ETFs, avoiding speculative strategies like futures, options, short‑selling and hedging, and offers both discretionary and non‑discretionary account arrangements with semi‑annual rebalancing and regular reviews. Contour Financial operates as a fee‑only fiduciary under the NAPFA code and uses Charles Schwab as its primary custodian.
Compared with many peers, Contour Financial publishes an annual Retirement Update Letter and relies on periodicals and newsletters for research and client communications, a practice that is relatively uncommon among similar firms. It also bundles a wide range of planning services into its asset‑management relationship, provides fee‑flexibility for younger or recovering clients, and maintains a small, long‑term client base.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
Rare upfront fee for clients requiring significant financial planning services
$0 - $1,000,000: 1.00% $1,000,001 - $2,500,000: 0.75% $2,500,001 - $5,000,000: 0.60% $5,000,001+: 0.50%
$250 per hour under certain circumstances
Minimum fee: $2,500 annually ($625 per quarter) minimum fee Fee-only: Fee-only advisor; no commissions, loads, or recurring fees from fund companies
Main office
9031 W. 151st Street, Suite 107
Orland Park IL 60462
Advisors at this office
3
Most active in
Illinois · Texas
Also doing business as
Contour Financial · Contour Financial, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Cynthia M
CFP®, Series 65
Orland Park, IL
Contour Financial
Cynthia Menker is a CFP® with 24 years of industry experience, currently serving at Contour Financial since 2001. She holds a Series 65 license and is based in Orland Park, IL. Contour Financial serves individual households focusing on retirement planning and investment management for clients who are not high-net-worth. The firm emphasizes diversified portfolios using mutual funds and ETFs, combines investment oversight with comprehensive financial planning services, and operates as a fee-only fiduciary under the NAPFA code.
Egon M
Series 65
Orland Park, IL
Contour Financial
Egon Menker is a financial advisor at Contour Financial with 24 years of industry experience. He holds a Series 65 designation and has been with Contour Financial since 2001. Contour Financial serves individual households focused on retirement planning and investment management, primarily for clients who are not high-net-worth. The firm offers diversified portfolios using mutual funds and ETFs alongside comprehensive financial planning services, operating as a fee-only fiduciary under the NAPFA code.
Karen N
Series 65
Orland Park, IL
Contour Financial
Karen Nordstrom is a financial advisor at Contour Financial with 24 years of industry experience. She holds the Series 65 designation and has been with Contour Financial since 2001. Contour Financial serves individual households primarily focused on retirement planning and investment management, emphasizing clients who are not high-net-worth. The firm offers diversified portfolios mainly composed of mutual funds and ETFs, alongside comprehensive financial planning services, and operates as a fee-only fiduciary under the NAPFA code.
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