Houston, TX Office
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Creative Planning
Enterprise
Firm-wide stats for Creative Planning
Clients per advisor
74 TypicalAvg AUM per client
$2,113,277 Very HighHNW client ratio
45% Very HighAbout
Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a broad client base that includes individuals (including high‑net‑worth and ultra‑affluent clients), pension and profit‑sharing plans, trusts, foundations, and corporations. The firm offers discretionary portfolio management, institutional and retirement plan services (including ERISA 3(38)/3(21) engagements), sub‑advisory arrangements, and access to private market investments and collective investment trusts, managing roughly $295.6 billion in client assets across more than 1,100 advisors and 151 offices.
The firm describes a financial‑planning‑led investment approach that favors low‑cost indexing and buy‑and‑hold strategies for long‑term goals while using short‑term passive allocations for liquidity needs, supplemented by direct and enhanced direct indexing, tax‑loss harvesting, individually managed equity and bond strategies, and selective private market exposure. Creative Planning also uses sub‑advisors and model portfolios for retirement plans, offers managed account and payroll services, and acknowledges its fiduciary duties when advising retirement accounts.
Compared with many peers, Creative Planning has several uncommon structural features: it is affiliated with a law firm (Creative Planning Legal, P.A.) and maintains relationships with accounting and audit resources (including BerganKDV and related accounting entities), and it operates an affiliated trust company and multiple non‑investment service affiliates (payroll, lending, TPA). The firm does not participate in a wrap fee program, states it does not advertise performance or hypothetical performance, and discloses that a minority investor (TPG) and the firm’s role as manager or recommender of certain private funds create specific conflicts of interest that are disclosed in its brochure.
Based on Creative Planning
Expertise
Based on Creative Planning
Location
Houston TX
Advisors at this office
3
Advisors at this office
Meredith M
Series 63, Series 66
Houston, TX
Creative Planning
Meredith Moore is a financial advisor at Creative Planning with 24 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at firms including Lockton Investment Advisors, Lockton Financial Advisors, Lockton Companies, and Kestra Financial Services. Moore has been with Creative Planning since 2021. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to individuals, institutions, and corporations. The firm employs a financial-planning-led investment approach focused on low-cost indexing and buy-and-hold strategies, supplemented by direct indexing, tax-loss harvesting, and selective private market exposure, managing approximately $295.6 billion in client assets.
Raya K
CFP®, Series 66
Houston, TX
Creative Planning
Raya Kulkarni is a CFP® and Series 66-licensed financial advisor with 21 years of industry experience. She is currently with Creative Planning and has prior experience at TIAA-CREF and Sunbelt Securities, Inc. Kulkarni is also president of POINT FRONTIER, LLC, a business consulting firm focused on operations efficiency and business planning. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, and retirement plans. The firm employs a financial planning–led investment process emphasizing low-cost indexing and offers a range of supplemental strategies, supported by a large advisory team and centralized investment infrastructure.
Jonathan C
Series 63, Series 66
Houston, TX
Creative Planning
Jonathan Copley is a financial advisor at Creative Planning with 10 years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Creative Planning in 2022, he worked at JP Morgan Chase Bank and JP Morgan Securities from 2019 to 2021, and at TD Ameritrade from 2016 to 2019. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies, complemented by tax-loss harvesting and private market exposure.
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