Curtis Financial Planning

About The Firm

Curtis Financial Planning is an independent, fee-only Registered Investment Advisor located in Oakland, California. As a 100% female-owned and operated wealth management firm, we are fully committed to addressing the unique financial planning needs and experiences of single, widowed and divorced women.

A Note From Our Founder & President

Hi, I’m Cathy Curtis. First, I want to say how happy I am that you’ve decided to take the first step towards securing your financial future. No matter where you are in life, it’s never too early or too late for a financial plan.

Many people ask me why I’ve chosen to dedicate my business to helping independent women manage their finances. The truth is, women are still largely at a disadvantage when it comes to money, despite all the progress we’ve made. We’re generally paid less than men throughout our careers, and, at some point in our lives, many of us are forced to choose between caring for our families and maximizing our earnings. Not to mention, women tend to suffer more in divorce or following the loss of a spouse, since we often take a backseat when it comes to managing the household finances.

As a single woman into my 40s, I experienced first-hand many of the challenges women face as the sole earner and financial decision-maker. Now, I use that experience to help single, widowed and divorced women live the life they envision for themselves and achieve financial success.

Whether you’re fiercely independent or adjusting to life on your own, having the right financial advocate and partner can go a long way towards ensuring a comfortable future. If you think Curtis Financial Planning will be a good fit for your financial needs, I hope you will give us a call. 

Cathy Curtis, CFP®​
Cathy Curtis, CFP®​

Cathy Curtis, CFP®​

Ask anyone in her family, and they will tell you that Cathy was born with a brain for business. Her favorite game growing up was something she created called “Important Papers.” She would collect old bills and invoices that her dad was ready to discard and tell her siblings they were “playing business.”

Even though the days of “Important Papers” have passed, Cathy has engaged her skills to help women get clarity and feel confident about their finances. As an industry-recognized author, podcaster, and thought leader, Cathy helps educate the public on personal finance through her position on the CNBC Financial Advisor Council, her award-winning blog, Of Independent Means, and her widely-followed Twitter feed (@CathyCurtis). In 2019, U.S. News & World Report named her one of 9 Women in Finance to Follow on Twitter.

For the last three calendar years, Cathy has been named an Investopedia 100 Top Financial Advisor. The Investopedia 100 celebrates financial advisors who are making significant contributions to critical conversations about financial literacy, investing strategies, life-stage planning and wealth management. They influence the practice of financial advice, and help educate millions of investors.

Cathy is also an Assistant Adjunct Professor at Mills College in Oakland, California. She stays current on personal finance topics through her affiliations with The National Association for Personal Financial Advisors (NAPFA), the Financial Planning Association (FPA)  and the Certified Financial Planner Board of Standards (CFP®).

In addition, Cathy is a CERTIFIED FINANCIAL PLANNER™. The CFP® certification is recognized as the standard of excellence for the financial planning profession. CFP® professionals have met extensive training and experience requirements, and commit to CFP Board’s ethical standards that require them to put their clients’ interests first.

Outside The Office

For more than a decade, Cathy was an active volunteer and board member for The Center for Urban Education about Sustainable Agriculture (CUESA) based in San Francisco and program chair for The Commonwealth Club of San Francisco. Now, she promotes awareness of various community nonprofit organizations and small businesses through her podcast, Financial Finesse, by interviewing the smart, savvy women who advance their missions.

On weekends, you can find Cathy at the farmers market, meeting friends for breakfast and buying produce to create beautiful meals later in the day with her husband, Rob. She is an avid reader and always has a stack of books halfway to the ceiling beside her bed. She is somewhat of a fitness fanatic and loves Pilates and yoga, as well as working out with weights, hiking, cycling, and swimming.

Meet the rest of the Curtis Financial Planning team. 

Kyra Zepernick

Administrative Assistant

Rob Curtis

Business Operations Manager

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Kyra Zepernick

Kyra has over 30 years of financial industry experience, which includes working with 401k’s, pension plans, alternative investments, and compliance administration. She’s worked for several well-known organizations, including Schwab, Equity Trust Co, Roadway Express and FedEx.

When away from the office, Kyra enjoys cooking and spending time outdoors shopping at farmer markets, hiking, and going to wineries with friends.

Marie Thomasson, CFP® ​

Marie has nearly 15 years of experience in asset management and financial services. Her career began as an institutional fixed income analyst, overseeing accounts of nearly $6 billion in assets for pension funds, banks, and institutions, as well as creating and maintaining portfolios for multi-strategy fixed income and boutique commodity products. She is a graduate of UCLA in Los Angeles, California with a degree in Applied Mathematics. She also holds the CFP® designation.

Marie is on the New Leadership Council for the Family Violence Appellate Project (FVAP) and an active member of her children’s school. Marie enjoys reading, cooking, and exploring the world with her sons.

Rob Curtis

Rob Curtis manages the business operations at Curtis Financial Planning. Rob owned and operated a mortgage brokerage firm for over 25 years and developed expertise in project management, billing systems and workflows. He is highly organized, detail oriented and he is without peer in his proofreading skills. 

Rob is from Winnipeg, Canada and made his way to California after a year in the Virgin Islands as a charter boat captain. He enjoys skiing, mountain-biking, reading, traveling, and has an encyclopedic brain filled with interesting knowledge about history, geography, and the natural world.

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