Stephen Lay, CFP®, RICP®
One simple, transparent hourly fee for all your financial planning needs
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Serving Clients Nationwide
One simple, transparent hourly fee for all your financial planning needs
Areas of Focus
- Education Funding
- Financial Life Planning
- Investment Management
- Retirement Planning
- Taxes
About Stephen Lay, CFP®, RICP®
With over two decades of expertise in investments and financial services, Stephen Lay founded Curtain Wealth Planning, an independent financial planning, and registered investment advisory firm to help individuals and families across diverse backgrounds and income levels.Stephen Lay is a member of the Garrett Planning Network. He adheres to the network’s standards, focusing on client-centered, fee-only services that prioritize the client’s best interests without the conflicts of interest associated with commissions or sales incentives. This affiliation serves as a testament to Stephen’s commitment to ethical, transparent, and client-centric financial planning practices.
Additionally, Stephen Lay is a fiduciary. This means that he is legally and ethically bound to act in the best interests of his clients. As a fiduciary, he is obligated to prioritize clients’ interests ahead of his own and to provide objective and unbiased advice. This standard is higher than the suitability standard that some financial professionals adhere to, requiring them only to make recommendations that are suitable for a client’s financial situation.
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
- Retirement Income Certified Professional (RICP)
Affiliations
-
Garrett Planning Network
- National Association of Personal Financial Advisors
Primary Location
Park City, UT 84098
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Offers Advice-Only Services
- Flat Fee
- Hourly Rate
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule a free 20-minute call. We'll get to know each other and I'll listen to understand your unique circumstances so we can determine the best way to proceed. I look forward to speaking with you.Offers Investment Management
Yes
About Curtain Wealth Planning
You and your family deserve quality advice, transparent pricing, and low-cost investments.Curtain Wealth Planning is based on his belief that everyone regardless of net worth, should be able to have access to independent and objective advice from an hourly, fee-only financial planner professional.
✔️ Only Pay For Advice
✔️ No Hidden Fees And No Sales Pitches
✔️ Hold On To More Of Your Money
How the absence of commissions and % fees works in your favor:
The emphasis on a flat, hourly fee structure rather than charging based on the value of an individual’s account or the products sold offers greater transparency and reduces conflicts of interest. This approach allows clients to receive advice tailored to their needs without the pressure of product sales influencing recommendations.
"If you're considering financial advisory services, it's essential to assess your own financial goals and preferences to determine which approach aligns best with your needs." - Stephen Lay, CFP®, RICP®
Hobbies and Interests
- Family
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Corporate Executives
- Divorce
- Dual Income Family
- Gen X
- Military
- Widow
- Women’s Finance
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