Creative Financial Concepts, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Creative Financial Concepts provides financial planning, retirement-plan analysis, employee education, business consulting, and periodic seminars to individuals, families, trusts, businesses, and pension and profit-sharing plans. The firm explicitly offers retirement plan consulting and employee education to help sponsors meet 404(c) obligations, a service set it apart from many solo independent advisers.
The firm does not manage client assets directly; instead it evaluates clients’ situations, recommends unaffiliated third-party portfolio managers (including model-based programs) and assists with manager selection, paperwork, allocation models, and ongoing liaison and review. It does not exercise investment discretion or custody client assets and delivers planning services on an engagement or hourly basis while relying on third-party managers to implement and rebalance portfolios.
Compared with many peers, Creative Financial Concepts emphasizes pension and plan-level services and referrals to outside managers rather than direct portfolio management of individual accounts or charging clients a percentage-of-AUM fee. The solo-adviser practice focuses on advisory relationships and educational services, and it is compensated primarily through planning engagements and a portion of fees paid by recommended managers rather than by taking custody or managing accounts in-house.
Client services
Expertise
Occupation focus
Fee options
One-time investment analysis fee of $300 (2 hours)
$0 - $500,000: 1.75% $500,001 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.75% $2,000,001 - $3,000,000: 0.65% $3,000,001+: 0.50%
Financial planning services charged at $150 per hour; business consulting fees negotiated hourly; company retirement plan analysis fees negotiated hourly
Minimum fee: Minimum annual fee of $60 per investment account charged by AssetMark Fee-only: Financial planning fees: $150 per hour for targeted scope planning; $300 for a one-time investment analysis (2 hours); business consulting fees negotiated hourly; fees for company retirement plan analysis negotiated hourly; employee educational classes charged per person; seminars and workshops usually no charge
Main office
3518 Silverside Road, Unit 24
Wilmington DE 19810
Advisors at this office
1
Most active in
Delaware · Louisiana · Pennsylvania
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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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.
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