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 66, Series 63
Experience Industry experience
38 years
Location
Potsdam, NY
Creative Financial Designs, Inc.
Multi-team
Paul Lapointe is a financial advisor with Creative Financial Designs, Inc. in Potsdam, NY, holding Series 66 and Series 63 registrations and bringing 38 years of industry experience. He has been with Creative Financial Designs and its affiliate CFD Investments since 2013. Creative Financial Designs serves individual clients, corporate and institutional clients, and employer retirement plans, offering discretionary and non-discretionary investment management along with financial planning and consulting services. The firm uses asset-class model allocations aligned with five risk objectives and operates Biblically Responsible Investing strategies alongside various implementation features.
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
Potsdam, NY
Potsdam NY
Advisors at this office
1
New York
38 years of industry experience
Creative Financial Designs Inc
2013 - Present • 13 years
Kokomo, IN
CFD Investments Inc
2013 - Present • 13 years
Kokomo, IN
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.
Series 66
Potsdam, NY
Morgan Stanley
Katrina Russell is a Series 66 credentialed financial advisor with Morgan Stanley, based in Potsdam, NY, and has four years of industry experience. Before joining Morgan Stanley Smith Barney LLC in 2021, she worked in healthcare at St. Lawrence Health System and Claxton Hepburn Hospital and operated Hometown Cafe for six years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning that incorporates firm-approved tools and methodologies.
Series 66
Potsdam, NY
Morgan Stanley
Erin Sweeney is a financial advisor at Morgan Stanley with two years of industry experience. Prior to joining Morgan Stanley in 2023, she worked at Claxton Hepburn Medical Center for four years and Canton Animal Clinic for ten years. She holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.
Series 66
Potsdam, NY
Edelman Financial Engines
Luke Boyle is a financial advisor at Edelman Financial Engines with a Series 66 credential and three years of industry experience. Prior to joining Edelman Financial Engines in 2026, he worked at Morgan Stanley for four years and held roles at the Kevin Daniels Agency, North Country Savings Bank, and the Potsdam Central School District. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a committee-driven modeling process with planner delivery and online tools, offering a range of discretionary and non-discretionary investment management solutions.
Series 63, Series 65
Potsdam, NY
Morgan Stanley
James Theodore is a financial advisor with Morgan Stanley in Potsdam, NY, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and at Morgan Stanley Smith Barney since 2009, with earlier experience at Citigroup Global Markets starting in 2000. Outside of his advisory role, he serves as a director and chair of the Strategic Planning Committee for St. Lawrence Health Systems and is a board member involved in business development for the Potsdam Town and Country Club. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, focusing on structured financial planning using firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate financial planning agreements.
Series 63, Series 65
Potsdam, NY
Morgan Stanley
John Vose is a financial advisor with Morgan Stanley in Potsdam, NY, holding Series 63 and Series 65 credentials and bringing 45 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets beginning in 1993. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning delivered through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using advanced modeling tools.
Series 63
Potsdam, NY
Cambridge Investment Research Advisors
Gary Throop is a financial advisor with Cambridge Investment Research Advisors and holds a Series 63 designation. He has 23 years of industry experience, including 18 years at Edward Jones and six years at Cambridge Investment Research Advisors. He is the owner of Adaptive Economic Strategies, LLC, a separate business entity. Cambridge Investment Research Advisors serves a broad client base, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services. The firm delivers these services through a network of independent financial professionals using a variety of portfolio management and advisory platforms.
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