Investment Management

12 years, and the stock market has gone nowhere! Many investors are waking up and coming to the realization that there must be a better way. Too often, people mistakenly build a portfolio one good idea at a time, emphasizing investments that have done well recently, but that are rarely well positioned for the future. At Creative Financial Solutions, we believe protecting your assets is just as important as growing your assets.

While investment success depends on being able to follow a consistent investment philosophy, applied systematically year after year, this proves difficult for most busy people with other interests and responsibilities.

Our philosophy is simple, though it's a radical departure from many financial advisors:

1. Reduce Risk to Maximize Returns
2. Secure Downside Protection For Our Client's Money
3. Use Insurances, Rather than Simply Promising Assurances
4. Only Create & Recommend "Relative" Plans

We cannot manage our clients’ portfolios in the way most advisors have in the past, e.g. taking significant risks without adequate protection.

We further understand that investors cannot afford another 10-year period like the last.

We'll continue to create investment plans designed to protect our clients, knowing they do not have the time, energy, or money to remake what they’ve lost. They need to be protected while at the same time stay ahead of inflation and enjoy their retirement through financial independence.

Our Technological Expertise

At Creative Financial Solutions, we have cutting-edge technological tools at our disposal that help us to identify good investment opportunities and track them electronically -- and automatically -- so that we do not have to rely on memory manual systems to achieve this objective.

Having superior technologies means we have exceptional resources that are not only broader than those available to a traditional financial advisor, but more easily and quickly accessible as well. Each day our technology systems are filled with press releases, earnings changes, and key stories affecting stocks, institutional managers, and/or stock and mutual funds we own or are considering.

Monitoring and Reporting

We monitor portfolios daily and generate an extensive list of monthly performance reports via our private client dashboard. These reports are highly customized and are based on the high performance standards of AIMR (Association for Investment Management and Research). Your regular monthly account statements will come from the custodian including year-end tax reporting. Each client’s portfolio is reviewed and monitored to address potential factors, such as changes in the client’s financial situation, tax efficiency, and dynamic changes in the global economy.

Client Dashboard

Our personalized client dashboard is an industry first, and is a unique way of accessing all of your financial information in one secure location. The dashboard has the capability of aggregating all of your various accounts, including brokerage, 401k, 529 college savings, banking and loans, to allow you to view your complete financial picture, in an easy to view summary, which is updated daily.

We also upload all of our client reporting to a document vault in the dashboard, which you can view anytime. The vault also allows our clients to upload additional documents that they may want to store for future use. Many of our client’s financial planning reports and summaries are available as well, including outstanding tasks and other advisor communications.

Fee Schedule

Our annual management fee covers all of our available services, including a comprehensive financial plan ($1,500 VALUE), unlimited contact with the firm, personal meetings with your advisor, and our extensive client resources, to name a few. Our total portfolio minimum is only $100k, which is well below the average of most advisors of $1 million or more.

As shown below, the management fee is calculated on total assets that we actively manage on your behalf, and is well below the industry average of 1.87% annually. 

Management Fee

Total Portfolio Value	$0 to $1 Million	Over $1 Million
Annual Advisory Fee	1.00%	0.50%