Seattle, WA Office

Creative Money LLC provides comprehensive financial planning to individuals and households, covering retirement planning, cash flow and debt management, college savings, employee benefits optimization, estate and business planning, insurance review, and tax‑aware strategies. The firm delivers written or electronic financial plans and implementation guidance but does not accept custody or directly manage client assets.

For investment analysis, the firm uses fundamental research and typically recommends passive, low‑cost asset allocation (index mutual funds and ETFs) for clients to implement through their chosen custodians. Engagements are billed as fixed fees for defined planning packages or on an hourly basis rather than on a percentage‑of‑assets basis.

Distinctive features for a multi‑adviser team include the firm’s explicit absence of portfolio management and AUM fee models, and its public disclosure of past regulatory matters — a 2017 state consent order and a subsequent CFP Board public censure in 2021. The practice is staffed by multiple CFP‑trained planners and several team members who maintain separate businesses (for example bookkeeping, therapy, real‑estate activities and consulting), and offers a menu of tiered planning services tailored by life stage and complexity.