COMPOSED WEALTH
Where retirement income meets perfect harmony
COMPOSED WEALTH
Where retirement income meets perfect harmony
From Soda Trucks to
Financial Harmony
Chris’s journey to understanding money began on the bumpy streets of Queens, NY, riding shotgun with his dad on a Coca-Cola delivery route. It was hot, heavy work—but it taught him the value of grit, gratitude, and the kind of streetwise perspective no MBA could ever buy.
Those days laid the foundation for the harmony he brings to every financial plan he composes today.
Why I Do This:
Breaking the Cycle
“I’ve seen what happens when hard-working families pour everything into giving their kids a better life—only to reach retirement and whisper, ‘Did we save enough?’” Chris’s dad sold his business so his kids could go to college. That sacrifice changed Chris’s life—and gave him a front-row seat to
the silent fear many families face at retirement.
Now, his mission is crystal clear:
To help families enjoy every sunrise, every sunset, every celebration—without money worries stealing the joy.
The Harmony Retirement Blueprint™
Chris Curran’s personal process for creating clarity, control, and cashflow in retirement.
This isn’t some templated plan pulled from a software program.
It’s a four-part, hands-on system Chris built to help people stop second-guessing their future and start living it—with confidence.
STEP 1:
The Life Soundtrack Session™
Chris’s process begins where others don’t—your life.
This deep-dive conversation reveals the emotional and financial priorities that shape your future.
STEP 2:
The Income Charting Method™
Here’s where your retirement paycheck comes to life.
Chris maps your income streams—from Social Security to retirement accounts—in a way that maximizes flexibility, reduces tax drag, and supports the lifestyle you want to lead.
STEP 3:
The Downbeat Defense™
Plans fail when they aren’t built to bend. That’s why Chris tests your strategy against real-world pressures: inflation, tax hikes, market drops, and longevity risk.
Then he weaves in layers of protection that preserve your lifestyle even when the economy doesn’t cooperate.
STEP 4:
The Encore Plan™
Finally, you get a written, actionable, real-world income plan that shows you how much you can spend—month by month, year by year.
It’s your encore performance: clear, confident, and crafted to help you live life fully, not fearfully.
The Harmony Retirement Blueprint™ is more than a plan. It’s your permission to finally enjoy what you’ve built.
Bringing the Fun:
Music, Laughter, and Life
If you’ve ever seen Chris at a party, you know the guitar comes out fast. Since the age of eight, he’s been the guy who brings the music, the laughter, and the good times.
Classic rock, country, or an impromptu jam session—music breaks down walls.
Chris brings that same gift to financial planning: helping people feel at ease, understood, and in control.
Ocean Lover. Always
at Home by the Water.
Chris feels most at peace when he’s near the ocean—on a boat, on the beach, or soaking up a sunset.
The water isn’t just a hobby. It’s a space of renewal and reflection.
It’s where he recharges—so he can show up 100% present for the people he serves.
Ocean Lover. Always
at Home by the Water.
Married for over three decades, Chris knows real wealth isn’t measured in portfolios—it’s measured in memories.
He’s a proud dad, a loyal husband, and a dog-sitter to his daughter’s pup, Foxie.
His financial plans reflect what he believes: Family is the real legacy.
Faithful to Fitness
Chris believes in showing up for the people who count on
him—and that starts with showing up for himself.
His daily fitness routine keeps his mind sharp, his energy high, and his focus clear. It’s not about vanity. It’s about vitality—the kind that powers his mission to help others live well into their diamond years.
A Philosopher at Heart
Chris is no ordinary number-cruncher.
He’s a student of philosophy and enjoys reading the works of some of the modern day masters like Anthony De Mello and James Allen as well as the ancient Stoics. He admittedly has only scratched the surface of the vast pool of knowledge held in these writings, but is constantly in search of deeper understanding of life and a broader perspective on human behavior.
His planning style reflects that same mindset: grounded, thoughtful, and never afraid to ask the deeper questions.
A Philosopher at Heart
Chris is no ordinary number-cruncher.
He’s a student of philosophy and enjoys reading the works of some of the modern day masters like Anthony De Mello and James Allen as well as the ancient Stoics. He admittedly has only scratched the surface of the vast pool of knowledge held in these writings, but is constantly in search of deeper understanding of life and a broader perspective on human behavior.
His planning style reflects that same mindset: grounded, thoughtful, and never afraid to ask the deeper questions.
Giving Back Where
It Matters Most
Chris believes in leaving every place better than he found it—whether that’s his community or a beach at sunset. He and his wife support special needs families, donate blood regularly, and organize community service. For Chris, doing good isn’t an obligation—it’s an opportunity.
Speaker and Educator:
Sharing Wisdom That Sticks
With over 200 presentations to families, students, and pre-retirees, Chris knows how to make complex topics like retirement income and college planning make sense. Spreading what he has learned about finances and lifestyle design to others on a larger scale is both a passion and calling for Chris. He’s not here to impress. He’s here to empower.
Nationally Featured Financial Educator
Chris Curran’s passion for helping families navigate retirement earned him a place as a featured expert in the groundbreaking documentary Retirement Everest—a national film exposing the hidden risks retirees face on the way down the “retirement mountain.”
Alongside some of the country’s top financial minds, Chris shares real strategies to help families protect their income, reduce uncertainty, and confidently enjoy their diamond years.
On the Retirement Everest film , he explains the importance of the “Retirement Red Zone.” Just like the Death Zone on Mount Everest, the five years before and after retirement are the most critical period for protecting your wealth. Decisions made during this time can have lasting impacts on your financial future.
Ready to Score Your Retirement With Confidence?
You’ve worked too hard to enter retirement with fear.
Let Chris Curran help you create a clear, coordinated plan—one that supports your lifestyle,
protects your future, and gives you the freedom to live without second-guessing your next move.
COMPOSED WEALTH
Where retirement income meets
perfect harmony
Book Your Harmony Retirement
Blueprint™ Session Today
No pressure. No jargon. Just a relaxed conversation with someone who listens—then builds the retirement score that fits your life.
Copyright Chris Curran - 2025