Contour Financial

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Client assets under management

$71,497,484

Clients

0% high-net worth

Advisors

of 3 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Low

Average account size

$966,182

About

Contour Financial serves individual households seeking retirement planning and investment management, with an emphasis on clients who are not high‑net‑worth. The firm combines investment oversight with broader financial planning services such as insurance review, estate considerations, education funding, tax planning and, for qualifying clients, individual tax return preparation.

The firm builds diversified portfolios primarily using mutual funds and ETFs, avoiding speculative strategies like futures, options, short‑selling and hedging, and offers both discretionary and non‑discretionary account arrangements with semi‑annual rebalancing and regular reviews. Contour Financial operates as a fee‑only fiduciary under the NAPFA code and uses Charles Schwab as its primary custodian.

Compared with many peers, Contour Financial publishes an annual Retirement Update Letter and relies on periodicals and newsletters for research and client communications, a practice that is relatively uncommon among similar firms. It also bundles a wide range of planning services into its asset‑management relationship, provides fee‑flexibility for younger or recovering clients, and maintains a small, long‑term client base.

Client services

Financial planning Portfolio management Newsletters or periodicals

Expertise

General retirement planning Income planning General tax planning Cash flow / budgeting

Occupation focus

Founder/Business Owner Executive Doctor or Medical Professional

Demographic focus

Young Professionals Divorced

Fee options

Fixed

Rare upfront fee for clients requiring significant financial planning services

Percentage

$0 - $1,000,000: 1.00% $1,000,001 - $2,500,000: 0.75% $2,500,001 - $5,000,000: 0.60% $5,000,001+: 0.50%

Project-based

$250 per hour under certain circumstances

Other

Minimum fee: $2,500 annually ($625 per quarter) minimum fee Fee-only: Fee-only advisor; no commissions, loads, or recurring fees from fund companies

Main office location

Contour Financial

9031 West 151 St Street, Suite 107

Orland Park IL 60462, United States

Number of offices

Most active in

Illinois · Texas

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure

Quick links

Website 708-460-3800

Advisors at this firm

Cynthia M

CFP®, Series 65

Orland Park, IL

Contour Financial

Cynthia Menker is a CFP® with 24 years of industry experience, currently serving at Contour Financial since 2001. She holds a Series 65 license and is based in Orland Park, IL. Contour Financial serves individual households focusing on retirement planning and investment management for clients who are not high-net-worth. The firm emphasizes diversified portfolios using mutual funds and ETFs, combines investment oversight with comprehensive financial planning services, and operates as a fee-only fiduciary under the NAPFA code.

General retirement planning Income planning General tax planning Cash flow / budgeting Founder/Business Owner Executive Doctor or Medical Professional Young Professionals Divorced

Egon M

Series 65

Orland Park, IL

Contour Financial

Egon Menker is a financial advisor at Contour Financial with 24 years of industry experience. He holds a Series 65 designation and has been with Contour Financial since 2001. Contour Financial serves individual households focused on retirement planning and investment management, primarily for clients who are not high-net-worth. The firm offers diversified portfolios using mutual funds and ETFs alongside comprehensive financial planning services, operating as a fee-only fiduciary under the NAPFA code.

General retirement planning Income planning General tax planning Cash flow / budgeting Founder/Business Owner Executive Doctor or Medical Professional Young Professionals Divorced

Karen N

Series 65

Orland Park, IL

Contour Financial

Karen Nordstrom is a financial advisor at Contour Financial with 24 years of industry experience. She holds the Series 65 designation and has been with Contour Financial since 2001. Contour Financial serves individual households primarily focused on retirement planning and investment management, emphasizing clients who are not high-net-worth. The firm offers diversified portfolios mainly composed of mutual funds and ETFs, alongside comprehensive financial planning services, and operates as a fee-only fiduciary under the NAPFA code.

General retirement planning Income planning General tax planning Cash flow / budgeting Founder/Business Owner Executive Doctor or Medical Professional Young Professionals Divorced

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