Different by choice, better by design

Fee-only investment advice and portfolio management.

Relationship-based, strategy-driven.

Who we are

Designed to always put your best interest first.

P.R. Curtman Investments is a fee-only fiduciary investment advisor based in Milton, Florida. We manage portfolios for individuals and families who have worked hard to save, with taxes in mind and a clear plan for what the money needs to do. Fee-only, so we do better when you do better. We work with clients across the Florida Panhandle, in the St. Louis area and around the country by phone and video.

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How we’re different

Being independent allows us to focus on what really matters: you.

We’re independent, so no outside company tells us what to recommend. You work directly with Paul Curtman, not a call center. Your portfolio is built around what your money needs to do for you, whether that’s growth, income or both.

Our fiduciary approach

As a registered investment adviser, P.R. Curtman Investments upholds the fiduciary standard, a clear assurance to our clients that we always act in your best interest. Upholding the fiduciary standard ensures that our firm’s structure, values and culture are designed to always prioritize what is right for you.

Fee-only. No commissions.

Our fee structure is simple: it’s based on the size of the portfolio we manage for you. Our success is tied directly to yours, so we do better when you do better. We don’t earn commissions. Unlike some financial professionals who may push products or chase sales commissions, we only make trades in your portfolio when they fit our forward-looking market outlook and serve your best interests.

Personal service

We put understanding your financial needs first and give you the education, confidence and comfort to reach your long-term goals. Portfolio management is just one part of our commitment to you. We are not here to sell you investments. We are here to be your trusted advisor: we keep you informed about your portfolio, monitor your accounts and provide guidance, so you always know what’s happening with your investments and why.

Tailored portfolios

We take a comprehensive approach, starting with a thorough information-gathering process, to build a tailored portfolio for each client. We consider:

Investment objectives: long-term growth, cash flow, or a combination?
Time horizon: how long your money needs to work toward your goals.
Cash-flow requirements: managing your portfolio to meet cash-flow needs.
Outside income and assets: how your other assets and income fit in.
Capital gains: the impact of capital gains taxes.
Restrictions or customizations: your personal needs and preferences.
Risk tolerance: comfort with recommendations that fit your goals and time horizon.

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What moved the market, what matters next, and how I’m thinking about it all

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What we do

Personal wealth management

We help individuals and families achieve their goals with detailed financial planning, tailored investment portfolios and proactive, high-touch client service.

Investment strategies

Thoughtful strategies designed around you and driven by research.

Retirement planning

A retirement strategy helps you get retired and stay retired, bringing you peace of mind and a sense of freedom in the life you worked so hard for.

Estate planning

Working with your attorney, we’ll help create a strategy that safeguards your assets and upholds your legacy.

Changing jobs? See your 401(k) rollover options. Want fresh eyes on your investments? Get a second opinion.