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Kimberly L. Curtis, CFP®, ChFC, CLU, CAP, AEP, MSFS

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Kimberly L. Curtis, CFP®, ChFC, CLU, CAP, AEP, MSFS

Currency Fluctuates. Value Does Not.

Wealth Legacy Institute, Inc.



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Advisor Services

  • Financial Planning
    • -Retirement Planning
    • -Tax Planning
  • Portfolio Management
    • -Individuals and/or Small Businesses


Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types

There is no client type data to display at this time.



No timeline events available.
Employer Years Dates
Wealth Legacy Institute, Inc. 12 years, 8 months Aug 2007 - Present

Designations & Memberships

  • Financial Planning Association
    Financial Planning Association
    The Financial Planning Association (FPA®) is the largest membership organization for personal financial planning experts in the U.S. and includes professionals from all backgrounds and business models. We help connect thousands of consumers to competent and ethical planners who uphold the FPA Standard of Care.
  • National Association of Personal Financial Advisors
    National Association of Personal Financial Advisors
    NAPFA, the National Association of Personal Financial Advisors, is the nation’s leading organization dedicated to the advancement of Fee-Only comprehensive financial planning. Consumers and the media look to NAPFA for access to financial advisors who meet the highest standards for professional competency, comprehensive financial planning and Fee-Only compensation.
  • Accredited Estate Planner
    Accredited Estate Planner
    This accreditation acknowledges designees their experience and specialization in estate planning.
  • Certified Financial Planner
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.
  • Chartered Financial Consultant
    Chartered Financial Consultant
    Invididuals holding this designation understand the fundamentals of financial planning, including income tax, insurance, investment and estate planning.
  • Chartered Life Underwriter
    Chartered Life Underwriter
    A prestigious certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.

Articles and Answers

Insights by Kimberly Curtis

Ten Steps to Securing Your Financial Future
Published 2012-09-25 12:40:26
Medicare ABC(&D)s
Published 2016-02-18 11:21:25
Retirement Planning Stages
Published 2015-08-11 10:50:17
7 Keys to Unlocking Family Wealth
Published 2012-09-13 13:24:34
Consumer Protection
Published 2015-04-02 10:55:03
Business Expense Tax Deductions
Published 2015-03-26 09:47:30
Standard or Itemized Tax Deductions?
Published 2015-03-19 10:09:05
Social Security Taxation
Published 2015-03-05 13:11:11
Capital Gains and Losses
Published 2015-02-26 12:23:27
IRS Tax Tips
Published 2015-02-04 11:33:44
Retirement Readiness Checklist
Published 2012-09-19 16:05:23
Money Resolutions
Published 2015-01-09 12:59:42
Long-Term Care Insurance
Published 2014-11-25 13:28:10
Tax Tips
Published 2014-11-05 12:09:07
Tax Relief
Published 2014-10-08 13:58:49
401(k) Plans and Retirement
Published 2014-09-30 11:30:07
Who has Health Care?
Published 2014-09-26 10:52:50
Life Insurance Awareness Month
Published 2014-09-10 09:42:37
College Planning
Published 2014-08-05 12:53:10
4 Mental Shifts to Save Money
Published 2014-07-16 14:23:21
5 Tips for Students with Summer Jobs
Published 2014-06-20 09:08:50
Financial Advice for Freshmen
Published 2014-05-23 13:16:30
Tax Tips for Newlyweds
Published 2013-07-05 10:08:12
5 Ways to Slash Healthcare Costs in Retirement
Published 2013-03-20 08:03:57
10 Facts about Capital Gains and Losses
Published 2013-03-11 16:21:45
College Preparation Calendar
Published 2013-02-12 16:25:49
Tax Season Resources
Published 2013-02-06 07:22:45
Marriage: Entering a New Investment Life
Published 2012-12-11 13:58:32
Are You A Compulsive Buyer?
Published 2012-11-21 11:23:57
When to Revisit Estate Planning
Published 2012-11-21 10:56:25
7 Pitfalls to Avoid When Paying for College
Published 2012-11-07 15:16:29
Avoiding the Wrong Financial Advisor
Published 2012-11-02 15:18:37
IRA and Retirement Plan Limits for 2013
Published 2012-10-26 13:40:06
Family Money Compass
Published 2012-10-12 13:57:45
    *Articles are published by advisors without compensation.


    Ask a financial questionAsk a question
    What can I do to stop or reduce the amount of "HARD HIT" a company or business when thhey pull my credit history?
    Edwin, depending on your situation, a credit report "freeze" may be appropriate. Placing a "freeze" with each credit bureau (Equifax, Experian, and TransUnion) prevents third parties from accessing your credit score. There may be a small fee associated with doing this which varies by state. Keep ...  (more)
    Answered Sep 2012
    How do I choose the best sponsor/provider?
    Juanita you do not need an advisor to establish a 401(k) plan. Take a look at which is through ING Direct to get a quote. It is easy, affordable, with quality investments. If your company is a member of Costco an additional discount may apply....  (more)
    Answered Oct 2012
    How many of you have read, Trusted Advisor?
    Yes, I have read this outstanding book, The Trusted Advisor, by David H. Maister, Charles Green and Robert Galford. The client often enters into a relationshp with an advisor with a high state of anxiety. What's worse, the client's caution and trepidation is reinforced by the fact that outside pro...  (more)
    Answered Oct 2012
    How important is it for both spouses to have good credit when buying a home?
    There are no hard and fast rules on how lenders treat credit scores on joint applications for mortgages. This can make it difficult however, lenders generally place more emphasis on the credit score of the higher wage earner. Lenders look your FICO score to assess the creditworthiness of you and y...  (more)
    Answered Oct 2012
    Should I convert my traditional 401k to a Roth 401k because of the new fiscal cliff deal?
    Frank, way to be ahead on the fiscal cliff small print! At age 27 converting and then contributing into a Roth 401(k) has many advantages. The key is the ability to pay for the conversion with outside assets. Please consult your tax advisor on the consequences of such strategy....  (more)
    Answered Jan 2013
    How should I plan for my retirement if my employer doesn't offer retirement benefits?
    In many cases, your first step should be to open an IRA and contribute as much as possible each year. Earnings grow tax-deferred and offer long-term growth opportunities similar to that of employer-sponsored retirement plans. In addition, you might qualify for tax-deductible contributions.Anothe...  (more)
    Answered Feb 2013
    I am fairly certain my company will file for bankruptcy in the next 90 days. What should I do now to protect my 401K assets? How do I stop participating in my company's 401K. They nolonger contribute to my 401K.?
    The good news is your company doesn't own your 401(k). So even if the company goes bankrupt, you will be able to keep the vested portion of your 401(k) assets. Vested assets are typically any contributions you have made. Employer matching programs will often have vesting requirements around the m...  (more)
    Answered Oct 2012
    I am a Verizon employee with roughly 150k in our 401k and contribute about 10% annually. I'm concerned about market instability for the next several months and am seriously considering going ultra conservative in my investments. Do you think this is a good/bad idea and do you have any other advice?
    Stefan, bad idea. Short term volatility is desireable when you are "systematically" buying for your long term retirement objective. Buying when things are "on sale" are way more attractive than paying full price. At 40, your reitrment goal is 20+ years away. Your retirement account is the invest...  (more)
    Answered Nov 2012
    Sheet Metal Form 5500 information?
    Brian, the Department of Labor, Internal Revenue Service, and the Pension Benefit Guaranty Corporation jointly developed the Form 5500 Series so employee benefit plans could satisfy annual reporting requirements under Title I and Title IV of ERISA and under the Internal Revenue Code.The Form 5500 i...  (more)
    Answered Oct 2012
    Considering refinancing at 15 year at 2.75% or 30 year at 3.5%. We can afford the 15 yr and still contribute to retirement accounts but with rates so low I am leaning toward the 30 yr and investing the difference. Is this a good plan?
    Max it sounds like you are asking yourselves the right questions. As planners, we like to plan for the certainty of uncertainty. Therefore, based on the possibly that you may not be staying in the home for a long period of time, and your tax bracket, the 30 year note and redirecting the difference...  (more)
    Answered Jan 2013
    I have a 401k to roll over and would like to do a check/owner controlled plan. what are my best options?
    Stephen if you contact your plan administrator to initiate your rollover you will be able to provide guidelines as to where to direct your rollover. If the administrator cuts a check in your name versus the name of your new self-directed custodian, then be aware that you have a limited time to depo...  (more)
    Answered Dec 2012
    My mother got into a car accident and can not make decisions on her on. i am currently her power of attoney. how can i cash out her 401K to pay for her expenses?
    I am very sorry to hear about your Mother's car accident and the possibility of her long-term disability. Call the plan administrator to determine what they need from you as Power of Attorney to initiate a withdrawal. The phone number would be on her most recent 401(k) statement. If your Power of ...  (more)
    Answered Jan 2013
    How do I close out my account?
    Darrell, when you separate from your employer they will provide you a packet that provides retirement asset options to determine whether you want to close out and receive all your money or rollover into an IRA. Otherwise, contact your Human Resource Dept. or retirement plan administrator to initiat...  (more)
    Answered Jan 2013
    I worked for ssc service solutions 8 years ago and im trying to locate my esop plan . my adress has changed and i dont receive statements. how do i locate my plan.?
    Hi Reuben,You may want to try contacting the Human Resources department at SSC Service Solutions. The e-mail address of the most recent contact person in HR is An e-mail explaining your situation should get the ball rolling. Hope this helps!-Kim...  (more)
    Answered Dec 2012
    I have been employed by the Boys and Girls Clubs of Greater Fort Worth for almost 12 years, I've forgotten who I have listed as my beneficiary. Can you help me?
    Connie,It sounds like you are a participant in an employer sponsored retirement plan. If you can find a statement from the plan see who the plan administrator is and get in contact with that person. Otherwise, call the administrative office for the Boys and Girls Club of the Greater Fort Worth ar...  (more)
    Answered Dec 2012
    I am a former employee of South County Hospital. I would like to speak with an advisor to see the status of the fund, and discuss what to do to maximize growth, since no money is going into the account presently. Please direct me as to how to make?
    Diane, when you left South County Hospital you may have received a separation of service packet outlining your benefit options. This packet would have included your choices around your retirement plan. Call your former Human Resource personnel at the Hospital to get access to your plan. Do you ha...  (more)
    Answered Jan 2013
    I worked for BFI/Waste Industries of Chesapeake, VA for 17 years. I had no accidents, no complaints from customers, coworkers, supervisors in all of these 17 years. I was fired because I had unexpected car trouble. I was working towards buyig a new vechicle. I lived about 30-40 miles from the jo
    Herbert, I am very sorry to hear about your firing from BF/Waste Industries. Seventeen years of no complaints and no accidents is commendable! Do you have a specific question regarding your retirement plan there? I wish you strength as you journey into new employment opportunities....  (more)
    Answered Dec 2012
    The company that I work for provides me with a 401K plan. There is no "matching" of contributions. Is it to my advantage to contribute to this rather than a Roth IRA of my own, where I have control over the funds?
    Donna, the answer depends! If you are disciplined and truly redirect your retirement savings to an outside Roth IRA with low cost investment vehicles to your maximum contribution and then redirect excess back to your 401(k) to reach your maximum contribution with your "catch up" contributio...  (more)
    Answered Dec 2012
    My employer offers target date funds in our 401k. How do these funds work?
    A target date fund is an investment that has a set future date to which it tailors its asset allocation. It combines stocks, bonds and other investments into a single fund. For example, a 2030 target date fund will have an asset allocation that is heavy on stocks and light on bonds. This is an ag...  (more)
    Answered May 2013
    Can I retrieve my 401 K from Samuel Merritt?
    Hi Michael,You have a couple different choices to how you want to manage your old 401(k) plan. You can leave your balance with the old plan if they offer a good variety of low-cost, solid-performing investment options. If not, you are better off rolling it over to an IRA or to your new employer’s q...  (more)
    Answered Jul 2013
    My 401k plan is invested in stock from non public company. I am no longer with the company andI need to make a hardship partial withdrawl. Ihave told by the plan administrator that company policy is that former associate have transfer the account to another firm. I still want the remainder of the of
    Jamil thank you for your question. It is so difficult to navigate through the 401(k) maze. As someone who is currently unemployed and at this time with no health insurance, it may not be your best time to worry about plan fees. Sounds like your former employer, to create liquidity, needs you to m...  (more)
    Answered Feb 2013
    I will have two children in college this fall and need to find a way to pay for their tuition. I have a 401(k) through my employer that I am considering taking a withdrawal from. Should I use my 401(k) to pay for their college education?
    Meghan,There are two primary drawbacks to using your 401(k) for college funding. First, if you withdraw funds from your 401(k) before you are 59½, you may owe a 10 percent premature distribution penalty on the withdrawal. This penalty is in addition to income taxes you will owe on the withdrawal. S...  (more)
    Answered Apr 2013
    I have 3 IRAs with 3 different firms, invested in 30+ stock funds. Would consolidation be a good move or will fees hurt?
    Reed, good job holding on through the recession! Now is the time to consolidate to create a globally diversified, low cost portfolio. If designed right, it may more than offset any management fee. Keep up the good work!...  (more)
    Answered Mar 2014
    From a tax perspective, what is the difference between a 401K and an IRA account?
    William they are both tax-deferred and therefore operate the same from a tax perspective. A 401(k) is tax-deferred from a payroll deduction while an IRA is tax-deferred from an annual contribution....  (more)
    Answered Mar 2014
    I am a Canadian citizen living in California & I own Canadian retirement accounts.
    Anne, As a result of moving to U.S. I would not suggest any rollovers of your Canadian RRSP’s to U.S. IRA’s or similar retirement plans, since such a transfer would be considered a distribution under Canadian law, and would trigger taxation in both countries under the United States - Canada Income ...  (more)
    Answered Mar 2014
    Where does RIA charge his fees from (fee only)?
    Joseph,The fee-only advisor will usually take the investment management fee out of the investment that he is managing....  (more)
    Answered Mar 2014
    Who do i have listed as my beneficiary?
    Mansel, call the number on your 401(k) statement to get your beneficiary information. If statement is not available, contact your employer's Human Resource person to get number or information. Hope this helps....  (more)
    Answered Mar 2014
    As a former employee of Wal-Mart, how do I find out if I have anything left our can cash out?
    Megan, consider calling Wal-Mart human resources. With your Social Security number they should be able to answer your questions....  (more)
    Answered Mar 2014
    Where can I compare fees charged for my IRA accounts like you show for the 401s?
    Judith, unfortunately it is more difficult to identify your hidden costs in an IRA, which is why Brightscope is so valuable. You have to dig to find all your fees. I would be happy to identify you internal costs of your IRA and give you an objective summary of "total" costs. Just let me know....  (more)
    Answered Mar 2014
    I have a very old account number, how do I find out if it's still open?
    Hi Gayle,If you have a statement with that account number, call the provider of your 401(k) and give them your account number or your Social Security number to see if you still have money there. Otherwise, call your former employer, if possible, to ask if they would provide the phone number of the...  (more)
    Answered Mar 2014
    Should I contribute to an IRA if I'm already contributing to a 401k? I'm 31 years old 8% will get me the full comp. mat.
    Travis, I am unclear as to the advantage of reducing your 401(k) to contribute to an IRA. There is no advantage .... unless your 401(k) is filled with expensive actively managed mutual funds. Then a low cost IRA index may be a good choice. Otherwise, I would see if your 401(k) plan offers a Roth ...  (more)
    Answered Dec 2014
    I signed up for a one time lump sum retirement and wondered when will it be mailed and will it come registered mail?
    Brian, it will not come registered mail. Watch your mail over the next week to make sure it does not get lost in the holiday junk mail. if you are rolling your 401(k) assets into an IRA and they are mailing the check to you for you to deposit into your new custodian, you only have 60 days to depos...  (more)
    Answered Dec 2014
    I received a gift of $10,000. Should I open a new Roth IRA, or increase my contribution to my employer's Roth 401 K ?
    Dwight congratulations on your gift! Why not do both depending on your income. ...  (more)
    Answered Dec 2014
    I recived a check from the retirement service i moved and didnt cash check in time will i still be able go get the mony?
    Yes Letty, it is still your money. You'll need to follow back up with your retirement plan provider to issue you a new check. ...  (more)
    Answered Dec 2014
    Will the dollar colaspe and lose its global currency status?
    Phillip that is an interesting question. Curious as to what you think? With any republic or democracy and it's currency the possibility of collapse exists. The U.S. since Nixon has been off the gold standard to fund the Vietnam war. When you have no commodity behind your currency, and you are pr...  (more)
    Answered Jun 2014
      *Answers are submitted by advisors without compensation.

      Licenses & Conducts

      U.S. Securities and Exchange Commission
      • license status
      • disclosures
      • as of date
        Mar 8, 2020
      • license status
        Not registered
      • disclosures
      • as of date
        Aug 2, 2017
      Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:


      Wealth Legacy Institute, Inc.

      Last updated on Feb. 27, 2020
        • $358.9M
          Total Assets Under Management
        • $0
          Total Assets Under Advisement
        • 174
          number of clients
        • $2.1M
          Estimated Average Account Balance Per Client


      Fee Only Advisor
      This advisor has certified that they are compensated soley by their clients, and do not accept commisions or compensation of any kind based on the products they recommend.