Stephen Lay
Curtain Wealth Planning · Park City, Utah
Stephen Lay is a fee-only financial advisor at Curtain Wealth Planning in Park City, Utah, who holds the CFP and RICP credentials. Stephen charges a flat fee or retainer, hourly fees, an ongoing planning fee and a one-time planning fee (ongoing planning from $8,000 a year and $375 an hour) and focuses on flat-fee planning, retirement planning and tax planning.
Request an introduction to Stephen →
Specialties
Who they serve
- Pre-retirees
Facts
| Firm | Curtain Wealth Planning |
|---|---|
| Based in | Park City, Utah |
| Fee model | Flat fee or retainer · Hourly · Ongoing planning fee · One-time planning fee |
| Fees (firm's website) | Ongoing planning from $8,000 a year · $375 an hour · A $2,000,000 asset minimum |
| Accepting new clients | Yes |
| Credentials | CFP · RICP |
| SEC registration | Investment adviser representative in TX, UT · CRD 2461633 |
| Exams passed | Series 63 (1997) · Series 66 (2013) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | curtainwp.com |
| Profile |
How Stephen's firm compares
- Ongoing planning starts at $8,000 a year, above the US median of $4,500 for fee-only firms that publish prices.
- The hourly rate is $375, above the US median of $300 for fee-only firms that publish prices.
Request an introduction to Stephen
Tell Stephen a little about what you're looking for. Stephen isn't on Wellspent yet, so we'll let them know you're looking for help and pass your message on when they join. No cost, no obligation.
Questions about Stephen
Is Stephen Lay a fee-only financial advisor?
Yes. Stephen Lay is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Stephen's firm.
How does Stephen charge for financial advice?
Stephen charges a flat fee or retainer, hourly fees, an ongoing planning fee and a one-time planning fee.
How much does Stephen charge?
According to Curtain Wealth Planning's website, checked October 28, 2026: ongoing planning from $8,000 a year; $375 an hour; a $2,000,000 asset minimum.
Where is Stephen Lay based?
Stephen Lay is based in Park City, Utah.
What does Stephen specialize in?
Stephen's specialties include flat-fee planning, retirement planning and tax planning. Stephen works with pre-retirees.
What credentials does Stephen Lay hold?
Stephen Lay holds the CFP and RICP credentials.
Is Stephen Lay registered with the SEC?
Yes. Stephen Lay is registered as an investment adviser representative in TX and UT (CRD 2461633), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How do I contact Stephen Lay?
Through Stephen's website, curtainwp.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- NAPFA directory listing : NAPFA admits only fee-only advisors
- Curtain Wealth Planning website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
See something wrong? Request a correction. Read our methodology.