Curtis Zirkelbach is a seasoned Estate Planning Consultant, Licensed Insurance Agent, and the founder of Zirkelbach Financial Solutions, a firm dedicated to helping clients navigate the complexities of estate planning and asset protection. With over 25 years of experience in the insurance and financial services industry—including 15 years as an estate planning consultant—Curtis brings a wealth of knowledge to his practice. He specializes in crafting comprehensive estate plans, facilitating trust funding, and ensuring the proper execution of essential legal documents. While not an attorney or CPA, Curtis collaborates closely with estate planning attorneys, CPAs, and third-party software professionals to deliver tailored solutions that provide clients with peace of mind and protect their legacies.

Curtis’s expertise is grounded in his extensive background in Life & Health and Property & Casualty Insurance, bolstered by his LUTCF (Life Underwriter Training Council Fellow) designation. Committed to lifelong learning, he is currently pursuing a Master’s in Certified Financial Planning from the American College of Financial Services, with plans to earn his Estate Planning and Tax Certification. His academic foundation includes studies in accounting and business at Southern Illinois College, Henderson Community College, and the University of Southern Indiana.

Born and raised in Illinois, Curtis graduated from Shawneetown High School in 1988 and began his career working in the field of mental retardation and developmental disabilities. In 1997, he transitioned into the insurance industry, where he honed his skills before founding Zirkelbach Financial Solutions in 2010. His firm was established to provide unbiased insurance solutions, offering a diverse range of products from highly reputable carriers. Curtis focuses on safe money investments, tax-free income strategies, and estate planning consultations to help clients achieve their financial goals.

Beyond his professional achievements, Curtis is deeply committed to serving his community. He has volunteered with organizations such as Marsha’s Place Pregnancy Resource Center, the American Cancer Society, and Samaritan’s Purse Disaster Relief. He has also supported numerous church-based initiatives, including mobile pantries and ministries for the unhoused. As the first male Court Appointed Special Advocate (CASA) in Henderson, KY, Curtis has demonstrated his dedication to advocacy and service. His passion for missions has led him to participate in multiple trips to Yangon, Myanmar, and to support both local and foreign missions through his church.

At Zirkelbach Financial Solutions, Curtis’s mission is to deeply understand his clients’ unique needs and the external factors impacting them. This enables him to recommend the best products and strategies from highly respected insurance companies, ensuring the protection and growth of his clients’ assets. His firm is built on a foundation of dignity, respect, confidentiality, and professionalism, fostering long-term consultative relationships that secure clients’ legacies for future generations.

Curtis’s unwavering dedication to his clients, community, and continuous learning makes him a trusted advisor in estate planning and financial solutions. Whether you’re planning for retirement, protecting your assets, or ensuring your legacy, Curtis is here to guide you every step of the way.