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Kurtis Johnson, CFP®, CPFA®, BFA™
As a CERTIFIED FINANCIAL PLANNER™ professional (CFP®) and a Certified Plan Fiduciary Advisor (CPFA®), Kurt Johnson provides advice and consulting services to plan sponsors regarding their employer-sponsored retirement plans. In addition, he holds his Behavioral Financial Advisor (BFA™) designation and carries the VA Life and Health Insurance License.
As a Senior Wealth Advisor with Apella Wealth, Kurt has over 13 years of experience in wealth management. He is passionate about helping families and business owners achieve their financial goals and is committed to the long-term relationships he builds with clients.
Before joining Apella, he was a financial consultant with TIAA CREF and an investment consultant with Fidelity Investments. Kurt has a Bachelor of Science degree in Accounting from Indiana Wesleyan University and a Master of Arts degree in Educational Administration from the University of Alabama.
Kurt is active in the Rotary Club of Harrisonburg, currently serving as club secretary. Originally from New Jersey, he has been married for 18 years and is the proud father of four children.
At Apella Wealth’s Harrisonburg office, we help clients find clarity and peace of mind in every part of their financial life. Our process begins with genuine conversation—listening to your goals, values, and priorities to create a plan that connects today’s decisions with your long-term vision.
Each relationship is grounded in fiduciary responsibility and evidence-based investing. Our approach is disciplined yet personal, combining the resources of a national firm with the attention of a local team committed to being proactive, transparent, and dependable.
The Harrisonburg team provides fiduciary advice and financial life planning for:
- Individuals and Families - Building personalized strategies that reflect your goals, values, and life stage.
- Retirees – Creating sustainable income plans, Social Security and pension analysis, and legacy planning for lasting peace of mind.
- Business Owners and Entrepreneurs – Delivering integrated planning for growth, succession, and long-term business transitions.
- Nonprofits, Foundations, and Endowments – Supporting mission-driven organizations through investment policy development, fiduciary oversight, and board education.
- High-Net-Worth Families – Coordinating complex estates, multi-generational planning, and education for rising generations
Our team provides comprehensive planning and investment services across all stages of life.
Investment Management
- Evidence-based portfolios using low-cost index funds and ETFs
- Customized allocations designed around your goals and time horizon
- Tax-efficient rebalancing and tax-efficient asset location strategies to enhance after-tax outcomes
Retirement Planning
- Personalized illustrations to show how long your money may last
- Social Security and pension analysis to optimize income timing
- Distribution and withdrawal strategies designed for tax efficiency and sustainability
Financial Life & Estate Planning
- Education savings strategies, including 529 plans
- Coordination of wills, trusts, and powers of attorney with your estate attorney
- Apella Family Organizer — a simple tool to help organize key documents, contacts, and wishes for loved ones
- Charitable giving strategies and wealth transfer planning to support the people and causes you care about most
Family Advisory
- Multigenerational legacy planning and family meeting facilitation
- Education for rising generations to foster confidence and financial literacy
- Special needs and elder care planning with compassion and clarity
Business Owner Advisory & Exit Planning
- Five-to-ten-year exit planning process to help protect enterprise value and reduce tax impact
- Guidance for internal succession, family transition, or business sale
- Coordination with legal, tax, and valuation professionals to align strategy and execution
Retirement Plans (401(k), 403(b), Institutional)
- Plan design and benchmarking to support sponsors and participants
- Quarterly monitoring reports, investment oversight, and financial wellness programs
Insurance & Risk Management
- Comprehensive risk analysis to protect against unexpected events
- Life, disability, and long-term care insurance reviews
- Carrier-agnostic recommendations that prioritize your goals
Choosing the right financial partner is one of the most important decisions you’ll ever make. Here’s what you can expect when working with Apella Wealth:
- Fiduciary duty to put your interests first
- Evidence-based investing and long-term discipline
- Personalized, holistic planning rooted in your values
- Proactive, responsive service from an experienced local team
At Apella Wealth, the focus is always on you — your goals, your vision, and your financial future.
We’d be glad to start a conversation. Call us at (540) 434-5975 or connect online.
