Creative Financial Partners

Creative Financial Partners provides financial planning and employee‑benefit consulting primarily for individual clients (including high net worth and non‑HNW individuals) and employer plan sponsors. Services documented in the brochure include comprehensive, basic, and hourly financial planning, employee benefit plan consulting, and periodic educational seminars and speaking engagements.

The firm delivers non‑discretionary, client‑directed advice and uses fundamental analysis when evaluating investments; clients retain implementation authority and the firm does not custody client assets or provide discretionary portfolio management itself. The disclosure also notes the adviser’s registrations and licenses that enable brokerage transactions, insurance sales, and mortgage origination, and that commissions or referral compensation may arise when clients purchase those products.

Distinctive aspects include its solo‑practitioner structure with about 115 clients and multiple outside business affiliations — an affiliated accounting/tax practice, an insurance brokerage, mortgage origination activity, and other business interests such as real‑estate and coworking ventures — all disclosed as potential conflicts of interest. The brochure also highlights that the firm generally provides fixed or hourly planning arrangements rather than percentage‑of‑assets fees and that discretionary investment management is available only through affiliated advisers or third parties.