Creative Retirement Planning, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Creative Retirement Planning, Inc. serves individuals—many already retired or planning for retirement—along with small business owners and higher-net-worth clients, providing retirement income and estate planning, portfolio management, and related products. The firm also sells insurance products (including fixed annuities, life and long-term care insurance) and operates as a licensed mortgage broker with a focus on reverse mortgages.
The adviser typically operates on a non-discretionary basis, consulting with clients before placing trades and using a custodial relationship to implement diversified portfolios that can include low-cost index funds and separately managed accounts. The practice integrates insurance and annuity solutions into retirement income plans and conducts periodic account reviews and client meetings to adjust allocations as circumstances change.
What is distinctive about this practice compared with many independent RIAs is the combination of fee-based investment advice with ongoing insurance commissions, mortgage origination activity, and the offering of educational seminars or workshops. The firm is a solo advisory model with long-standing industry credentials and an emphasis on arranging guaranteed income through insurance and annuity products alongside traditional investment management.
Client services
Expertise
Occupation focus
Demographic focus
Fee options
0.60% annually (pro-rated quarterly at 0.15%)
Commissions paid by insurance companies; amounts fixed and based on insurance company and product type
$200 per hour, may be partially waived
Account minimum: $200,000
Main office
334 W Washington St
Sequim WA 98382
Advisors at this office
1
Most active in
Washington
Also doing business as
Creative Retirement Planning · Creative Retirement Planning & Tax Services · Creative Retirement Planning, Inc. · David Ray Nute · Nute, David Ray
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
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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.
Forms ADV
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