Fullerton, CA Office

James Curtis Financial and Insurance Services provides customized financial planning and portfolio management primarily to individual and high‑net‑worth clients and also serves other investment advisers. Services are delivered mostly on a non‑discretionary basis and include comprehensive or segmented financial plans, ongoing portfolio oversight, and participation in a firm‑sponsored wrap fee program.

The firm documents client objectives in individualized investment policy statements and applies fundamental and quantitative analysis together with modern portfolio theory to long‑term strategies that can include mutual funds, ETFs, REITs, annuities and limited options trading. Clients retain final decision authority over implementation; accounts are reviewed at least monthly and clients receive regular custodial statements and aggregate portfolio reports.

Noteworthy differences from many peers include the firm’s sponsorship of a wrap‑fee program and its material affiliations outside typical advisory activities: the principal is a licensed insurance producer and a licensed real estate broker and may offer commissionable insurance and real estate products (these activities represent less than 5% of time and are disclosed as potential conflicts). The firm also has a history of sub‑adviser relationships and serves other advisers, and it directs custody to a recommended broker‑dealer through an institutional program, which creates additional affiliation and soft‑dollar considerations relative to many supported peers.