Comprehensive Strategy
Whatever your goal is, comprehensive financial planning is about making the most of your financial resources in order to make your dreams a reality. Planning helps you see the big picture and set long- and short-term life goals, a crucial step in mapping out your financial future. Your financial strategy is as unique as you are, and it’s critically important to have the right approach.
Fee-Based Financial Planning
Creative Financial Strategies recognizes the fundamental role of comprehensive financial planning as the foundation of our client’s success. Our team guides you with clear, concise written recommendations tailored to your unique situation. We build the road map. We understand the road map is required for effective implementation, which is the key to making goals and dreams a reality. You are able to use whichever qualified professional you wish in the implementation of your plan – this is how we remain objective. We walk side by side during this phase of the process. For those who own a business or bear the responsibility of being a guardian or trustee, we provide regular consulting, outside of what some deem traditional planning. These situations are approached on a case by case basis. Although many advisors, brokers, and insurance agents may refer to themselves as financial planners or may facilitate some type of analytical process, in most cases they are not operating in either capacity. They are merely having a conversation around the investment/insurance products they sell or the investment advice.
Advanced Case Design
No two people are alike and neither are their financial planning situations and needs. As assets grow and financial success follows, planning needs can become more complex. These complexities can require a team of knowledgeable professionals across various disciplines to build an integrated strategy that incorporates many of the various components as detailed in the Financial Planning Universe. This requires a level of experience and knowledge that is the basis of our culture. Many people do not believe their situation requires this level of expertise, due to limited understanding of what advanced case looks like relative to their own financial picture. At Creative Financial Strategies, we know what questions to ask, we know where to find the answers to those questions, and we know how to organize those answers into the realization of your dreams.
Investment Management
Creative Financial Strategies provides a broad range of innovative investment solutions and access to various third-party providers in order to enhance the investment strategy of both individuals and businesses. In today’s quickly changing world of economic uncertainties, we believe that prudent investing requires a forward-thinking approach to managing, growing, and preserving assets. Our fiduciary advisors will tailor investment strategies specific to your circumstance. It is hard to know where you are going and if it is working, if you have nothing in place to measure It by. If you do not have a written investment policy statement, we can help you create one. Based on our experience, we believe that successful investment results depend on positioning investment accounts to be proactive rather than reactive. For example, this could be accomplished through advisory or brokerage accounts or specific solutions such as annuities, alternative asset classes, and individual securities.
Investment Fee Schedule
Risk Management
Recognizing the impact that risk, in its various forms, may have on the success of a financial plan, Creative Financial Strategies assists individuals and businesses in addressing risk through various management solutions.
Risk can take the shape of premature death of a spouse, loved one, or business partner; running out of money before running out of life; impending divorce between your business partner and their spouse; the inability to work and provide for yourself and family due to an accident or illness; a sudden decline in your accounts when you are about to retire; or beneficiary or transfer-on-death designations that were never reviewed.
These examples of risk and many others are why we are steadfast in our commitment to be your advocate. Without addressing risk, this equates to the hard reality that you may not experience financial freedom. Along with this, we also understand that risk management goes beyond insurance, and we take into account unique circumstances where transferring risk with insurance is not a viable option in addressing these concerns.
Strategic Alliances
Proper legal and corporate documents such as wills, trusts, and operating agreement, as well as efficient tax strategies, are instrumental in the implementation of an overall financial strategy. Creative Financial Strategies has developed professional relationships with various firms to provide you with easier access to their services. Often times, many individuals and businesses are in need of unique strategies. Through our Firm’s formed strategic relationships, these needs can be fulfilled by the tools and resources of other respected firms and advisors who specialize in their professional fields.
