You didn’t get where you are by making average decisions. Why settle for average financial advice?  I’m Dedrick Curtis, founder of Penny Earned Financial and a Navy veteran who made the bold move of marrying into the Army. Yes, we are a house divided come football season. It’s fine. We have coping strategies. Mostly texted memes and themed snacks.

I’m a CERTIFIED FINANCIAL PLANNER® professional, Chartered Financial Consultant®, and Accredited Financial Counselor®. But more than the alphabet soup, I bring a lived understanding of military life and the complex, often chaotic, financial decisions that come with it.

I built Penny Earned Financial for people who are too sharp to fall for one-size-fits-all advice. My clients are high-performing military members and veterans, especially medical professionals like physicians, psychologists, dietitians, physicians assistants, physical therapists, nurses, occupational therapists, and many others, but I also work with first-generation professionals, LGBTQ+ service members and allies, and others carving a path no one in their family has walked before. My clients are people with serious responsibilities and very little patience for fluff. They don’t want a sales pitch. They want smart, strategic advice from someone who understands what they’re up against.

That’s where I come in. My firm is 100% virtual, judgment-free, and operates on a flat-fee, advice-only basis. No commissions. No product pushing. No awkward conversations about insurance you never asked for. Whether we work together on a one-time project or through ongoing monthly planning, the goal is the same: to help you take control of your financial life and make confident decisions in the face of uncertainty.

Before launching my firm, I spent years working in higher education, government contracting, and military financial counseling. I’ve helped clients navigate everything from GI Bill confusion and transition planning to tax strategies, TSP allocations, investing, home renovation, starting a family, and budgeting that doesn’t require twelve spreadsheets and a prayer. And yes, we can absolutely start with the basics. Don’t know how a mutual fund works or what an ETF is?  Don’t know how to begin creating a basic spending plan?  Not sure of the best ways to buy a car or your first home?  I bring structure, transparency, and a healthy dose of realism to the planning process, along with the flexibility to pivot when life throws a surprise deployment your way.

Many of the folks I work with are the first in their families to hold a professional degree, earn a commission, or navigate wealth, and that comes with pressure, pride, and questions Google or AI can’t answer. Others are looking for a planner who affirms their identity and values, not one who dances around them.

If you’ve been putting off getting your finances in order because no one seemed to speak your language or because your path doesn’t fit the mold, you’re in the right place. Let’s talk!

Schedule a Free Consultation

Dedrick Curtis, CFP®, ChFC®, AFC®
Penny Earned Financial
San Antonio, TX 78216
202-240-8922
www.pennyearnedfinancial.com