Stephen Lay

CFP® RICP®

Financial Advisor

Curtain Wealth Planning


Park City, UT
Anywhere / Virtual Meetings
Stephen Lay

Fee-Only financial planner located in Park City, UT, serving clients locally and across the country

I am Fee-Only

I do not accept commission, referral fees, or compensation of any kind based on selling financial products, without exception.

I am a Fiduciary

I will put your best interests first, and fully disclose and manage unavoidable conflicts fairly in your favor, at all times.

Things to Know

  • Based in Park City, UT, serving clients locally and across the country through virtual meetings and our collaborative platform.
  • Contact us to schedule an introductory call to see if we may be a fit for you.
  • Curtain Wealth Planning provides financial planning focused services to help clients organize, grow, and protect their assets through life's transitions.
  • As a fee-only and fiduciary financial advisor, Stephen Lay is never paid a commission of any kind, and has a legal obligation to provide unbiased financial advice.

Get to Know Stephen Lay

With over two decades of expertise in investments and financial services, Stephen founded Curtain Wealth Planning, an independent financial planning, and registered investment advisory firm to help individuals and families across diverse backgrounds and income levels. 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.

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.

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I Can Help You With:

  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients:

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

FAQ with Stephen Lay

  • What type of clients benefit most from your services?
  • How do you charge and what are your fees?
  • What can I expect in our first meeting as a client?
  • Do you offer a free initial consultation?

Pre-retirees and retired.

  • What type of clients benefit most from your services?

    Pre-retirees and retired.

  • How do you charge and what are your fees?
  • What can I expect in our first meeting as a client?
  • Do you offer a free initial consultation?

Office Locations

  • By Appointment - Park City, UT 84098

FeeOnlyNetwork Disclosure

Advisorology, LLC (FeeOnlyNetwork.com) earns an annual or monthly fee from financial advisors and financial firms in exchange for marketing services, including the advisor profile, that are subject to terms of use. This creates a material conflict of interest and a financial incentive to only include advisors in the directory from whom FeeOnlyNetwork has received compensation. FeeOnlyNetwork is not a client of these advisors or firms.

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