About Us

Financial Freedom. A Life of Significance. The F5 Difference.

At F5 Financial, we believe true happiness is found when you discover your Freedom and Significance—living a life that is meaningful, intentional, and unencumbered. Achieving that life requires harmony among the five essential areas we call the Five Fs: Faith, Friends, Family, Fitness, and Finance. When these are aligned, you gain the clarity and confidence to live fully and purposefully.

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What is F5 Financial

F5 Financial is a fee-only wealth management firm committed to helping clients connect money to life—intentionally. We don’t sell products or earn commissions. Instead, we serve as your personal CFO, guiding every financial decision with transparency, objectivity, and long-term purpose. Our role is not just to create a plan, but to walk alongside you in implementing it.

Through our holistic Financial Health Cycle, we take a comprehensive approach to your financial life. We analyze your retirement savings, investment portfolios, tax exposure, insurance coverage, education funding, cash flow, and estate considerations to understand how each element impacts your goals.

From there, we build and execute a coordinated strategy so your financial assets work together like a well-oiled machine—fully aligned with your vision and values.

We don’t just build financial plans—we help you implement them to create a life of freedom, clarity, confidence, and lasting significance.

At F5 Financial, our experienced team of advisors and professionals brings together diverse expertise and a shared commitment to thoughtful, fiduciary advice. Each member of our team plays an important role in helping clients navigate important financial decisions with clarity and confidence.

Our mission is simple: to help families, corporate executives, and entrepreneurs achieve balance in their financial planning so they can enjoy their Faith, Friends, Family, and Fitness without financial distraction or restriction.

The Financial Health Cycle™

We'd like to introduce you to the Financial Health Cycle, our proprietary planning process. We've worked with scores of clients over the years, and we've listened. Each experience has contributed to refining the Financial Health Cycle and enhancing our ability to serve you with excellence.

Our process begins with your goals and vision and leads to the execution of your financial plan. Cash flow management, insurance, taxes, work benefits, education planning, and investment management are all integrated into this plan.

Discover our process

Vision and Values

F5 Financial is driven by Vision and Values that define our brand culture. These are the elements that guide and inspire us to serve you with integrity and excellence.

Intentionality

We have a clear vision, full heart and live our lives on purpose. Intentionality is our commitment to seize each moment, choose the greater good, and persevere through life’s trials.

Accountability

We say what we do, we do what we say. Accountability is the path to deeper exploration, new discoveries and transcending difficulties. Our culture of accountability bonds us to our word, and to each other.

Discipline

Life is a gift we value and revere through our thoughts and actions. As a way of expressing our gratitude, we employ the discipline it takes to honor the blessings of time and relationships.

Courage

We live in an abundant world where fear has no place in our hearts or minds. It takes great courage to live intentionally, to welcome accountability, and to remain disciplined.

Our Vision

To cultivate a brand culture of intentionality, accountability, discipline, and courage as we provide insight and tailored strategies that inspire and equip our clients to live a lifestyle of significance and financial freedom.

Curt Stowers, CFP®, PhD, MS

Founder at F5 Financial

What We Care About

F5 Financial is a member of CFP Board, NAPFA, Fee-Only Network, ISI Mastermind, and Dimensional Fund Advisors (DFA).

We are dedicated students of our craft, prolific readers and writers in the financial planning space, and active supporters of numerous philanthropic organizations, including The Rotary Foundation, Rotary Club of Naperville Charities, the Naperville Area Humane Society, the Chicago Metro YMCA, Bridge Communities, the University of Illinois, Compassion International, and Focus on the Family.

With offices in Naperville, IL, McDonough, GA, and Venice, FL—and clients across the United States—we are honored to help you pursue Financial Freedom and build a Life of Significance through thoughtful, balanced financial planning.

Our Offices

Naperville, IL

Fiduciary financial planning in Naperville, IL and the downtown Naperville area. Curt Stowers, CFP® is our team lead in the Naperville, IL region.

Venice, FL

Fiduciary financial planning in Venice, FL and the South Florida area. Josh Duncan, CFP® is our team lead in the Venice, FL region.

McDonough, GA

Fiduciary financial planning in McDonough, GA and the Atlanta area. Josh Duncan, CFP® is our team lead in the McDonough, GA region.

Let’s build a portfolio that can provide for you and your loved ones.

Start by scheduling your complimentary meeting with us. Our team member will be in touch shortly to confirm your call.

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No cost, no obligation.

Fee-only fiduciary since 2013

SEC-registered investment advisor

Serving 150+ clients nationwide