Rapid City, SD Office

Creative Financial Designs serves individual clients (including both non‑HNW and high‑net‑worth households), corporate and institutional clients, and employer retirement plans. The firm offers discretionary and non‑discretionary investment management across Brokerage Management, Self‑Directed and Variable Annuity platforms, as well as financial planning and modular consulting; advisory billing is typically percentage‑of‑AUM, with alternative hourly, retainer and flat planning arrangements available.

The firm structures portfolios using asset‑class model allocations and five risk objectives (Conservative through Aggressive), relying on third‑party research and an Executive Investment Committee to set and adjust models; it also offers a suite of implementation features such as Optional Cash Allocation and an Allocate‑Over‑Time option. Creative publishes strategy brochures and operates Biblically Responsible Investing strategies that use independent third‑party screening to limit exposure to certain industries, and it manages held‑away accounts and variable annuity subaccounts subject to available product menus.

Several operational features distinguish Creative from many peers: it offers subscription/retainer options (ranging from $25 per month up to $3,500 per month) and documents loan programs and other arrangements for financial professionals. The firm is closely affiliated with an in‑house broker/dealer and other related businesses (including an insurance agency, tax/bookkeeping services and a related real‑estate agency), maintains a corporate sponsorship program that supports training and events, and discloses a prior SEC matter concerning mutual fund share‑class selection and revenue‑sharing in its ADV.