What the work can include
Not every client needs every piece. We start with what's in front of you and bring in the rest as it becomes relevant.
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Full-Picture Financial Planning
Goals, cash flow, debt, investments, retirement, protection, taxes, and estate, in one conversation.
Investment Management
A strategy around your goals, risk, and taxes, drawing on RFG's investment team for construction, strategy, and trading.
Tax-Aware Planning
We weigh tax implications across investing, retirement, cash flow, and practice decisions, and coordinate with tax professionals.
Retirement & Financial Independence
Income sources, taxes, flexibility, and how career and practice decisions shift the timeline.
Practice & Business-Owner Planning
Where personal and business wealth compete: cash flow, reinvestment, retirement plans, debt, succession, and sale.
Student Loans & Debt Strategy
Debt weighed alongside income, taxes, savings, and goals, especially coming out of training.
Insurance & Income Protection
Your earning power is a major asset; we evaluate protection through appropriate providers where applicable.
Estate & Legacy Coordination
We organize the picture and coordinate with attorneys on beneficiaries, trusts, family goals, and wealth transfer.
Cash & Liquidity Planning
Operating cash, reserves, and near-term needs handled in the context of the broader plan.
Alternative & Structured Resources
Via RFG's iCapital integration; additional risks, fees, eligibility, and liquidity limits apply, and not for every investor.
Asset-Backed Lending
Borrowing against assets rather than selling them, weighed against the tax, liquidity, and risk tradeoffs.
Trust Services
Trust structures coordinated with your attorney, and trustee resources available where a plan calls for them.
Charitable Giving
How and when to give, including appreciated assets and donor-advised funds, with the tax treatment considered first.
Good advice starts before the recommendation.
Whether you are a doctor or you've been to one, we use a similar process to treat your finances.
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Why you reached out and what you want the money to make possible. No presentation, no test.
Build the Full Picture
Accounts, income, cash flow, debt, practice details, benefits, protection, taxes, and goals.
Evaluate the Tradeoffs
Compare options, flag what matters most, and use planning technology where it clarifies the choice.
Make the Plan Actionable
Turn the plan into clear steps and coordinate implementation with the right professionals.
Keep Adjusting
Income, taxes, family, practice, and goals change. The relationship stays active so the plan keeps up.
Screenshots are illustrative and reflect hypothetical data.
When a question needs more depth, it's there.
Through RFG Advisory, Curato draws on investment strategy, portfolio construction, institutional trading, planning, technology, and operations, so specialists are available when a question requires them.
The team behind the portfolios
Portfolio construction, allocation, and trading are handled by RFG's investment team rather than squeezed between client meetings.
The questions we hear most.
What does Curato do beyond investment management?
A lot. Planning also covers retirement, tax-aware strategy, cash flow, debt, protection, estate coordination, practice and business decisions, and major life transitions.
Do I work with one advisor or a team?
Your advisor relationship stays central. We also use a broader RFG team and platform for investment, planning, trading, and operational support: personal advice with more depth, not a handoff.
How often do we meet?
It depends on what's happening in your plan. The philosophy is ongoing planning with reviews as life, business, and markets change, not a one-time document.
Can you work with my CPA or attorney?
Yes. Many decisions cross professional lines. We coordinate so the plan reflects the broader work being done.
Do I need to use every service you have access to?
No. Access isn't a reason to use something. A resource belongs in the plan only when it fits your objective, risk, time horizon, and cost.
Do you serve clients outside Alabama?
Yes, nationwide, virtually, subject to applicable registration requirements.
Let's talk about what's next
This starts as a conversation, not a pitch. Tell us a little about your situation and Todd will follow up personally.