Czurak Wealth Management, LLC

Czurak Wealth Management, LLC, established in 2012, is a Texas-based investment advisory firm owned by Steve Czurak. The firm specializes in providing comprehensive portfolio management services, including financial planning and asset management. Clients meet with advisors to discuss financial goals, risk tolerance, and investment approach. Investment portfolios may include ETFs, mutual funds, stocks, and bonds. The firm may utilize third-party sub-advisors for portfolio management. For retirement plan consulting, the firm assists employers in establishing and monitoring participant-directed retirement plans. Services include developing investment policies, evaluating options, asset allocation, investment monitoring, and participant education. The firm does not provide advice on employer securities, real estate, or other excluded assets. The firm's fee structure is negotiable, with annual fees for comprehensive portfolio management not exceeding 1.00%. Retirement plan consulting fees are based on a percentage of plan assets under management, not exceeding 1.00%. Clients may incur transaction charges and fund expenses. The firm does not charge performance-based fees. Czurak Wealth Management does not have custody of client assets and recommends Charles Schwab as a qualified custodian. The firm may execute trades through other brokers, but Schwab is the preferred custodian. The firm receives support services from Schwab, benefiting both clients and the firm. Clients have the option to grant investment discretion to the firm, allowing for trade execution and portfolio management. The firm reviews accounts quarterly, with additional reviews triggered by major events or client requests. The firm does not accept proxy authority to vote client securities. Steve Czurak, the principal executive officer, holds various licenses and certifications, including the CFP designation. The firm and its management have no disciplinary events and do not engage in client-directed brokerage or receive soft dollars. As a fiduciary, the firm prioritizes client interests and maintains ethical standards in all business activities.