James Curtis Financial And Insurance Services

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Client assets under management

$99,490,938

Clients

41% high-net worth

Advisors

of 2 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Low

Average account size

$1,401,281

About

James Curtis Financial and Insurance Services provides customized financial planning and portfolio management primarily to individual and high‑net‑worth clients and also serves other investment advisers. Services are delivered mostly on a non‑discretionary basis and include comprehensive or segmented financial plans, ongoing portfolio oversight, and participation in a firm‑sponsored wrap fee program.

The firm documents client objectives in individualized investment policy statements and applies fundamental and quantitative analysis together with modern portfolio theory to long‑term strategies that can include mutual funds, ETFs, REITs, annuities and limited options trading. Clients retain final decision authority over implementation; accounts are reviewed at least monthly and clients receive regular custodial statements and aggregate portfolio reports.

Noteworthy differences from many peers include the firm’s sponsorship of a wrap‑fee program and its material affiliations outside typical advisory activities: the principal is a licensed insurance producer and a licensed real estate broker and may offer commissionable insurance and real estate products (these activities represent less than 5% of time and are disclosed as potential conflicts). The firm also has a history of sub‑adviser relationships and serves other advisers, and it directs custody to a recommended broker‑dealer through an institutional program, which creates additional affiliation and soft‑dollar considerations relative to many supported peers.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

Annuities Options & derivatives strategies Real estate investing

Fee options

Percentage

0.67% annually, charged monthly in arrears at 0.056% per month

Commissions

Insurance products sales generate customary commissions to James Curtis (less than 5% of his time)

Project-based

$200 per hour for segmented financial plans and individual consultations

Other

Account minimum: $250,000 (may be waived by JCFAIS in its discretion) Fee-only: One-time comprehensive financial planning fees negotiable, usually $750 to $1,500; hourly fees for segmented plans and consultations $200/hour

Main office location

James Curtis Financial And Insurance Services

1700 Adams Avenue, Suite 210

Costa Mesa CA 92626, United States

Number of offices

Most active in

California · Texas

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

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

Real estate agent

They facilitate real estate transactions and may earn commissions.

Is not active or affiliated with:

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.

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 (714) 445-0055

Advisors at this firm

Dion C

CFP®, Series 63

Fullerton, CA

James Curtis Financial And Insurance Services

Dion Collins is a CFP® professional with 25 years of industry experience. He has operated Collins Advisory since 1999 and is affiliated with James Curtis Financial And Insurance Services in Fullerton, CA. In addition to his advisory role, he is involved in independent insurance sales. James Curtis Financial And Insurance Services provides customized financial planning and portfolio management to individuals, high-net-worth clients, and other investment advisers on a non-discretionary basis. The firm employs a tailored Investment Policy Statement and combines fundamental and quantitative analysis with modern portfolio theory to construct long-term portfolios, offering a range of investment options including mutual funds, equities, fixed income, ETFs, real estate funds, and insurance products.

Annuities Options & derivatives strategies Real estate investing

James C

CFP®, Series 66

Costa Mesa, CA

James Curtis Financial And Insurance Services

James Curtis is a CFP® professional with 17 years of experience in financial advisory services. He is the principal of James Curtis Financial And Insurance Services, an independent firm he has led since 2014, and has provided financial planning through Collins Advisory since 2009. Curtis is also president and sole shareholder of James Curtis Enterprises, Inc., a non-investment related business. James Curtis Financial And Insurance Services offers customized financial planning and portfolio management to individuals, high-net-worth clients, and other advisers on a non-discretionary basis. The firm emphasizes tailored Investment Policy Statements and employs both fundamental and quantitative analysis alongside modern portfolio theory to build long-term portfolios.

Annuities Options & derivatives strategies Real estate investing

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