Cool Creek Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$34,402,706
This total excludes 4 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Clients
105
10% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
105
Very HighAverage account size
$327,645
About
Cool Creek Financial provides wealth management and financial planning to individuals, high-net-worth clients, charitable organizations, corporations, and plan sponsors. Its services include ongoing investment management, project-based planning, and retirement plan consulting for employer-sponsored, participant-directed plans.
The firm implements asset allocation guided by Modern Portfolio Theory and uses a mix of passive and active funds, with the ability to engage outside managers or invest through Class F-2 share programs when appropriate. Engagements are fee-only and typically billed as a percentage of assets under management, with discretionary trading authority and the option to customize portfolios for socially responsible investing preferences.
Distinctive for a small independent adviser, the firm offers pension consulting and acts in an ERISA fiduciary capacity for retirement plans, supported by the principal’s Certified Plan Fiduciary Advisor credential. The brochure also discloses a 2025 consent agreement with the Pennsylvania regulator regarding disclosure of fee deductions; the settlement included an administrative assessment and did not allege fraud, dishonesty, or client harm.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Expertise
General retirement planning
Retirement income strategy
Cash flow / budgeting
College savings (529s, UTMA, etc.)
Occupation focus
Founder/Business Owner
Fee options
Fixed fee range of $1,000 to $2,000 for project-based financial planning.
$0 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.70% $3,000,001 - $7,000,000: 0.50% $7,000,001 - $10,000,000: 0.35% $10,000,001+: 0.20%
Hourly rate $200 per hour for project-based financial planning.
Fee-only: Fixed fees range between $1,000 to $2,000 for project-based financial planning; Hourly rate $200 per hour.
Main office location
Cool Creek Financial
Lancaster PA, United States
Number of offices
1
Most active in
Cool Creek Financial has reported serving >5 clients in these states in the last 12 months.
Florida · Pennsylvania · South Carolina
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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