Broker Check

121 Shattuck Way, Suite 16, Newington, NH 03801

(603) 431-1382

Services & Pricing

Retire with a Plan, Not a Guess

Local, independent advisors — not a call center.

Three ways to work with us. Wherever you are on your journey, there’s a right level of guidance for you — and each one builds on the last, so you can start where you’re comfortable and grow with us over time.

Schedule your free discovery meeting Call (603) 431-1382
100% free. No cost, no obligation — just a conversation.
60+ years of combined experience Independent wealth management firm Family-owned & local to New Hampshire Your first meeting is complimentary

DIYDo it yourself

Helpful tools and resources for those who like to take the lead.

Free Financial Planning Tools →
  • Model your future with our planning calculators — the same tools our advisors use
  • See where you stand with a complimentary portfolio review
  • Protect your family fast with self-service life insurance through Policygenius Pro
  • Put your wishes in writing with discounted estate planning through Trust & Will
  • Optional: add a free, no-pressure discovery meeting with an advisor whenever you’d like

Not included

  • Personalized advice or recommendations
  • An advisor-built financial plan (that’s Essential)
  • Ongoing monitoring & management (that’s Premier)

Best for: people who are comfortable doing everything themselves.

No Advisory Fee $01 Start for free

EssentialGet a professional plan

A one-time engagement that hands you a complete, advisor-built financial plan.

Everything in DIY, PLUS
  • Start with at least one free, no-pressure discovery meeting with an advisor
  • A personalized, advisor-built financial plan around your goals, family & timeline
  • A clear retirement & income strategy — how much to save, how to invest, and how to draw income
  • Cash-flow, savings & tax-smart guidance, plus investment & insurance recommendations
  • A comprehensive strategy meeting with a prioritized, step-by-step action list you can follow

Not included

  • Implementation — you put the plan into action yourself
  • Ongoing management & plan updates (that’s Premier)
  • Proactive, ongoing tax-aware planning (that’s Premier)

Best for: people who want a complete, professional plan and are ready to put it into action on their own.

One-Time Fee $1,5002 Plan delivered within 2 weeks of your discovery meeting Upgrade to Premier while we’re building your plan and the $1,500 is waived. Book a free discovery meeting

Which Service Model Fits You?

Answer three quick questions — there are no wrong answers.

Question 1 of 3

Where are you today?

Compare Our Service Models

A quick side-by-side of what’s included as you move up.

Not sure which is right for you? Take the 30-second quiz →

What’s included DIY Essential Premier
Getting started & self-service tools
Advisory services provided in your best interest✓✓✓
Independent, family-owned local practice✓✓✓
Free discovery meeting with an advisor✓✓✓
Planning calculators & tools✓✓✓
Complimentary portfolio & investment review✓✓✓
Self-service life insurance (Policygenius Pro)✓✓✓
Discounted estate documents (Trust & Will)✓✓✓
Market commentary, guides & webinars✓✓✓
Personalized financial planning
Personalized, advisor-built financial plan—✓✓
Retirement & income strategy—✓✓
Cash-flow & savings plan—✓✓
Tax-smart planning strategies—✓✓
Investment & account recommendations—✓✓
Insurance & risk review—✓✓
Prioritized, step-by-step action list—✓✓
Comprehensive one-on-one strategy meeting—✓✓
Ongoing wealth management & partnership
Ongoing portfolio management, monitoring & rebalancing——✓
No separate trading fees on managed accounts——✓
Local, live in-house support — no phone trees——✓
Communicate your way (phone, in person, video, email, text)——✓
Regular review meetings on your schedule——✓
Ongoing tax-aware planning——✓
Estate & legacy planning coordination——✓
Charitable giving & gift planning——✓
Family financial planning (literacy, budgeting, debt)——✓
Priority advisor access & major life-event planning——✓
Secure client portal + account & beneficiary maintenance——✓
Cost$01$1,500 one-time2Starts at 1.35% of assets per year3

Still weighing your options? Talk it through — at no cost.

Book your free discovery meeting No cost, no obligation.

Premier’s all-in advisory fee starts at 1.35% and steps down as your managed assets grow. Premier is designed for portfolios of $250,000 or more; if you’re not there yet, an Essential plan is available at any account size. Active portfolio management and comprehensive planning are included, with no separate trading fees. Your exact fee schedule is outlined in your advisory agreement before you begin.

Who We Serve

A family-owned practice serving individuals, families, and business owners across the New Hampshire Seacoast and beyond — in person or by video, wherever you are.

New Hampshire Seacoast Northern Massachusetts Southern Maine Remote nationwide by video
Layered ridgelines of New Hampshire's White Mountains receding into the haze at dusk

Pre-Retirees & Retirees

Retirement is in sight — or already here — and you want a clear income plan: when to take Social Security, how to draw down accounts tax-efficiently, and how to develop a sustainable withdrawal strategy.

Growing Families & Professionals

You’re balancing careers, kids, and a mortgage. We help you save with purpose — education funding, life & disability protection, and a plan that keeps up as life speeds up.

Business Owners & the Self-Employed

Your business is your biggest asset. We help with retirement plans for you and your team, tax-smart strategies, and helping business owners integrate business and personal financial planning.

Families Planning Across Generations

From aging parents to adult children, we help families coordinate estates, legacies, and charitable giving — as a family-run practice ourselves, it’s how we work too.

Meet Your Team

Get to know the advisors behind Silk Curtis Planning.

Why an Independent Financial Advisor

Who we answer to shapes the advice you get. Here’s what independence means for you.

Independent & family-owned

We answer to you — not a corporate parent, sales quota, or in-house product to push. Our advice starts and ends with your goals.

Advisory standard of care

On advisory services we’re obligated to act in your best interest — not simply recommend what’s “suitable.”

Transparent fees, in writing

You’ll always know what you pay and how we’re compensated — spelled out in your agreement before you begin.

A robo-advisor or big-box firm

What an algorithm gives you

  • A model portfolio and automatic rebalancing
  • A call center or chat queue when you need help
  • The same script for everyone, regardless of your life

Silk Curtis Planning

What a local partner adds

  • A real, local advisor who knows you and your family by name
  • Proactive, tax-aware planning — and a steady hand when markets get bumpy
  • Estate & legacy coordination, plus priority access when life happens

What to Expect When You Meet

Getting started is simple — and it begins with a free conversation.

1

Meet

Start with a complimentary discovery meeting — and take as many as you’d like. We’ll take the time to understand you, your family, and what you’re working toward.

2

Plan

We build a personalized strategy around your goals — and, with Premier, actively manage it for you.

3

Grow Together

Put your plan into action with clear next steps and ongoing guidance as your life changes.

Your First Consultation Is Complimentary

Sit down with a dedicated, local advisor for a complimentary discovery meeting. No cost, no obligation — just a clear, confident next step for your finances.

Schedule your complimentary consultation No cost, no obligation — just a conversation.

Frequently Asked Questions

The questions we hear most from people deciding how to work with us.

Are you a fiduciary, and what does that mean for me?
When we provide advisory services, we act as a fiduciary, which means we’re obligated to act in your best interest in that advisory relationship. Our advice is built around your goals and your family. When insurance or brokerage products are involved, we’ll always explain how we’re compensated so you can decide with confidence.
How are your fees structured, and what will I actually pay?
Simple, transparent, and always in writing before you commit — no surprises. Our DIY model has no planning fee at all. Essential is a flat, one-time $1,500 fee for a complete, advisor-built plan that’s yours to keep. Premier is an all-in-one relationship billed as a percentage of the assets we manage that starts at 1.35% and decreases as your assets grow, covering both financial planning and active investment management. Your exact fee schedule is spelled out in your advisory agreement before you begin.
Do I need a minimum amount of money to get started?
There’s no minimum to start working with us — the best time is now, wherever you are. Anyone can begin with our DIY tools and a complimentary discovery meeting, and Essential planning is available no matter your account size. Ongoing Premier portfolio management is designed for households with $250,000 or more in investable assets. Not there yet? Start with an Essential plan — many clients grow into Premier over time. There’s a right place for everyone to begin.
What happens at the free discovery meeting?
It’s the easy first step. A relaxed, no-cost, no-obligation conversation with a real, local advisor — not a sales pitch. We’ll get to know you, answer your questions, and help you see exactly which service model fits your life. You’ll walk away with clarity and a clear next step, whether or not you decide to work with us.
Can I switch or upgrade service models later?
Of course — and many clients do. Each model is designed to build on the last, so you can start where you’re comfortable and grow with us over time. Even better: if you move up to Premier while we’re building your Essential plan, that one-time Essential fee is waived. You’re never tied to a long-term contract — just supported at every stage.
What if I already have an advisor? How do I switch?
Switching is usually easier than people expect — and we handle the heavy lifting. In many cases your accounts can transfer “in kind” (as they are), through a mostly paperless process, and we coordinate directly with the receiving custodian so you’re not stuck making awkward calls. First, we’ll give you an honest, no-pressure review of what you have today — and if staying where you are truly makes more sense for you, we’ll tell you. There’s no cost to explore it, and you’re never obligated to move. Please note your current firm may charge account transfer or termination fees, certain holdings may not transfer in kind, and a transfer could have tax consequences — so we’d encourage you to consult your tax professional before making changes.
Why work with you instead of a DIY app or robo-advisor?
DIY tools and robo-advisors can be a great starting point — in fact, we offer self-service tools too. But an algorithm can’t sit across from you when markets get bumpy, doesn’t know your family, and won’t proactively reach out about a tax opportunity or a major life change. Premier gives you a real, local advisor who builds a strategy around your goals and actively manages it — plus proactive, tax-aware planning, estate and legacy coordination, and priority access when life happens. Technology is a helpful tool; personal judgment and an ongoing relationship are the difference. Keep in mind all investing involves risk, including possible loss of principal, and no strategy or level of service can guarantee a profit or protect against loss.
What do terms like “fiduciary,” “rebalancing,” and “in-kind transfer” actually mean?
Plain English, no jargon. A fiduciary is required to act in your best interest — not just recommend what’s “suitable.” Rebalancing means periodically adjusting your investments back to your target mix so your risk level doesn’t drift over time. An “in-kind” transfer moves your existing investments between firms as they are, without selling them first. And assets under management is simply the total value of the accounts we manage for you — the basis for Premier’s fee. Curious about anything else? Ask at your discovery meeting — we’re happy to translate.

Let’s begin the conversation

Not sure which option is right for you? Your first discovery meeting is completely free — no cost, no obligation, no pressure. Pick a time that works for you below.

What you’ll get in your first meeting

  • A clear read on where you stand today — and the one or two moves that matter most
  • An honest recommendation on which service model fits you (including “none yet”)
  • Answers to your questions from a local financial advisor — no pitch, no pressure

How to prepare (it’s easy)

  • Bring nothing but your questions — that’s truly enough
  • If handy: a recent account statement or your latest 401(k) summary
  • A rough idea of your goals — we’ll help you sharpen them together

Prefer to talk first? Call us at (603) 431-1382 or email dsilk@northeastplanning.com.

Silk Curtis Planning · 121 Shattuck Way, Suite 16, Newington, NH 03801 · (603) 431-1382 · dsilk@northeastplanning.com

1 Free to use our tools and to meet with us. Some optional third-party services may carry their own fees. Some optional services — such as life insurance through Policygenius Pro or estate planning through Trust & Will, and accounts opened online with a professionally managed portfolio — may carry separate or standard advisory fees.

2 Upgrade to Premier while we’re building your plan and this fee is waived.

3 Your rate is set by your assets, so it starts at 1.35% and steps down from there. The more we manage, the less you pay. Premier advisory fees are asset-based. 1.35% is the maximum annual advisory fee; the rate applicable to your account declines as assets under management increase under a tiered schedule. A $250,000 account minimum applies. The specific fee that applies to you is described in your written advisory agreement.

Policygenius and Trust & Will are independent third parties and are not affiliated with Northeast Planning Associates, Inc. or LPL Financial.

Financial planning offered through Northeast Planning Associates, Inc. (NPA), a registered investment adviser (RIA). Securities and advisory services offered through LPL Financial (LPL), an RIA and broker-dealer (BD), member FINRA / SIPC. Insurance products are offered through LPL or its licensed affiliates. Northeast Planning Associates, Inc. and Silk Curtis Planning are separate entities from LPL Financial.

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. This site is published for residents of the United States only.

Advisory fees are asset-based and generally range from 0% to 2% annually, depending on the advisory program and the assets managed. The specific advisory fee that applies to you is set out in your written advisory agreement before any services begin.

This material is for general informational purposes only and does not constitute investment, tax, or legal advice, nor an offer to sell or a solicitation of an offer to buy any security or to adopt any investment strategy. We do not provide tax or legal advice; please consult your tax professional or attorney regarding your specific situation. Investing involves risk, including possible loss of principal. No strategy assures success or protects against loss. Past performance is no guarantee of future results.

Ready to take the first step? Your discovery meeting is free — no cost, no obligation.

Book your free meeting or call (603) 431-1382