Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Credentials
Series 63, Series 65
Experience Industry experience
4 years
Location
Richmond, ME 04357
Creative Financial Designs, Inc.
Multi-team
Damian Smith is a financial advisor with Creative Financial Designs, Inc. in Richmond, ME, holding Series 63 and Series 65 credentials and four years of industry experience. Prior to joining Creative Financial Designs, he worked at Primerica Advisors and Primerica Financial Services. Outside of his financial advisory role, he is involved in biblical counseling through an initiative called Light Restored, providing discipleship and coaching support using scripture. Creative Financial Designs serves individual, corporate, institutional, and retirement plan clients, offering discretionary and non-discretionary investment management alongside financial planning and consulting services. The firm uses asset-class model allocations with varying risk objectives and publishes Biblically Responsible Investing strategies based on independent third-party screening.
Based on Creative Financial Designs, Inc.
Based on Creative Financial Designs, Inc.
$0+: Starting at 0.50% annually up to 2.00% annually for Brokerage Management platform $0+: Starting at 0.50% annually up to 1.50% annually for Self-Directed Management platform $0+: Starting at 0.50% annually up to 1.50% annually for Variable Annuity Management platform $0+: Starting at 0.50% annually up to 1.50% annually for Non-Discretionary Advisory Services
Hourly fee up to $350 per hour, negotiable
Retainer fees from $25 per month up to $3,500 per month, negotiable
Account minimum: $7,000 Minimum fee: Custodial fee charged by cfd Investments for accounts at NFS: $8 monthly minimum fee Fee-only: Advisory fees negotiated between 0.50% and 2.00% annually depending on service and platform
Richmond, ME
10 Homestead Way
Richmond ME 04357
Advisors at this office
1
Maine
4 years of industry experience
Creative Financial Designs
2023 - Present • 3 years
Kokomo, IN
cfd Investments
2023 - Present • 3 years
Kokomo, IN
Primerica Advisors
2022 - 2023 • 1 year
Nashua, NH
Primerica Financial Services
2021 - 2023 • 2 years
Nashua, NH
Walgreens
1986 - 2023 • 37 years
Scarborough, ME
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Is not active or affiliated with:
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Lawyer
They provide legal services, typically billed separately.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
CFP®, ChFC®, Series 65
Gardiner, ME
J.M. Arbour, LLC
Jac Arbour is a financial advisor with J.M. Arbour, LLC, holding the CFP®, ChFC®, and Series 65 credentials and has 10 years of industry experience. He has worked at J.M. Arbour, LLC and J.M. Arbour Wealth Management since 2016 and previously at Foundations Investment Advisors. Outside of his advisory role, he is involved in personal development coaching and serves as CEO or owner of several non-investment-related businesses, including a SaaS company, an international sourcing firm, and ventures focused on outdoor gear and financial literacy applications. J.M. Arbour serves individuals—including high-net-worth clients—as well as pension and profit-sharing plans, trusts, estates, charities, and other entities. The firm offers comprehensive financial planning, portfolio management, retirement plan consulting, and investment management for private funds, typically implementing client objectives through model portfolios with ongoing supervision and customizations.
ChFC®, Series 65
Gardiner, ME
J.M. Arbour, LLC
Miles Whitlock is a financial advisor at J.M. Arbour, LLC with 10 years of industry experience. He holds the ChFC® and Series 65 credentials. Prior to joining J.M. Arbour in 2022, he worked at Foundations Investment Advisors, LLC for six years. In addition to his advisory role, he is an independent agent at Combined Benefits United, focusing on fixed insurance and annuity products. J.M. Arbour serves individuals, including high-net-worth clients, as well as pension and profit-sharing plans, trusts, estates, charities, and other business entities. The firm offers comprehensive financial planning, discretionary portfolio management, retirement plan consulting, and sub-advisory services, utilizing model portfolios and strategies such as direct indexing and derivatives.
Series 63, Series 66
Gardiner, ME
J.M. Arbour, LLC
Donald Riddle is a financial advisor at J.M. Arbour, LLC with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has prior work history with Fidelity Investments and Bank of America, including Merrill. J.M. Arbour serves individuals, pension and profit-sharing plans, trusts, estates, charities, and other business entities, providing comprehensive financial planning, discretionary portfolio management, retirement plan consulting, and sub-advisory services. The firm utilizes model portfolios from sub-advisers and third-party providers and offers strategies such as direct indexing, derivatives, and securities-backed lines of credit.
Series 65
Gardiner, ME
J.M. Arbour, LLC
Nicholas Sickinger is a financial advisor at J.M. Arbour, LLC with a Series 65 designation and one year of industry experience. His prior work includes roles at Murphy Karpie Connelly & Sickinger, LLC and teaching positions at Colby College, Joel Barlow High School, and John Read Middle School. J.M. Arbour provides investment advisory and financial planning services to individuals, retirement plans, trusts, and other entities, offering discretionary portfolio management and retirement plan consulting. The firm manages model portfolios primarily through sub-advisers and third-party providers and serves as investment manager for series-structured private funds.
Series 63, Series 65, Series 66
Gardiner, ME
J.M. Arbour, LLC
William Cummings is a financial advisor with J.M. Arbour, LLC, holding Series 63, 65, and 66 licenses and eight years of industry experience. Prior to joining J.M. Arbour in 2022, he worked at Foundations Investment Advisors LLC, TD Bank, and Axa Advisors, LLC. Outside of his advisory role, he serves as president and founder of W. Sinclair Holdings LLC, a business consulting firm focused on benefit counseling. J.M. Arbour serves individuals, including high-net-worth clients, as well as pension and profit-sharing plans, trusts, estates, charities, and other business entities. The firm offers comprehensive financial planning, discretionary portfolio management, retirement plan consulting, and sub-advisory services, frequently using model portfolios and employing strategies such as direct indexing, derivatives, and securities-backed lines of credit.
Series 63, Series 65
Farmingdale, ME
GRP Retirement Planning
Brooks Riley is a financial advisor at GRP Retirement Planning with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including AlphaStar Capital Management, Advisory Alpha, and Greene Point Partners. Outside of advisory roles, he also provides business consulting focused on practice management, marketing, and operational workflow efficiencies. GRP Retirement Planning manages approximately $155 million for a diverse client base including individuals, high-net-worth clients, businesses, nonprofits, and municipal entities. The firm offers tailored investment management, financial planning, and access to third-party sub-advisors, with a notable employer-sponsored financial education program for corporate clients.
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