Curtin Financial Management, Inc.

Curtin Financial Management, Inc. is a state-registered, independently owned advisory firm that provides discretionary portfolio management to individual clients, including both non‑high‑net‑worth and high‑net‑worth individuals. The firm manages roughly $73.9 million across about 25 client accounts and implements portfolios primarily through mutual funds and exchange‑traded funds.

The firm’s investment process is grounded in modern portfolio theory and explicitly incorporates academic research (including Fama‑French insights) to structure equity allocations by value/growth and by size across domestic, international and emerging markets. Portfolio construction emphasizes broad diversification, a tilt toward high‑credit‑quality fixed‑income exposure, and the use of both fundamental and technical analysis, with strategies that include long‑ and short‑term purchases as appropriate.

Noteworthy aspects include a small number of client relationships relative to assets under management and a single investment professional who is solely responsible for advisory decisions, and the firm’s recent decision to discontinue offering financial planning and consulting services. The firm operates on an institutional custody platform relationship that provides technology and support benefits and does not vote client proxies, leaving proxy decisions to clients.