Curbstone Financial Management Corporation provides investment management services to individuals, high-net-worth investors, endowments, charitable organizations, and businesses. Founded in 1983 and based in Manchester, New Hampshire, the firm builds customized portfolios utilizing a disciplined asset allocation approach known as the Enhanced Relative Return Strategy. Curbstone constructs diversified portfolios using individual stocks and bonds, mutual funds, exchange-traded funds, and money market funds tailored to each client's specific return objectives, risk tolerance, time horizon, and income needs. The firm operates with the authority to make trades without asking first, guided by a collaboratively agreed-upon Investment Policy Statement. While Curbstone engages in holistic financial discussions with clients, the firm does not charge separate planning fees or implement standalone financial planning recommendations. Non-profit agencies may qualify for a fee discount, and family accounts are aggregated for fee calculations to help lower overall costs.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $2.0M | 1.00% |
| $2.0M - $5.0M | 0.85% |
| $5M+ | 0.50% |
Non-profit agencies may receive a 10% discount. Discounts may apply to accounts predominantly invested in ETFs and mutual funds. Family relationships are aggregated for fee calculations.