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Business Description |
Creative Financial Solutions is an independent fee based firm, providing financial planning and investment management services for one low fee. We were also just nominated as one of the top financial advisor's for 2009, and received the pretigious 5 star rating for best in client satisfaction. This award is only given to the top 7% of advisors in Colorado.
We provide a personalized long-term relationship, with a strong emphasis on client education and awareness. Our primary focus is helping you tame the complexity of your financial affairs, so you can relax, and enjoy life without worrying about your money. CFS is designed to help you reach financial freedom sooner than would be possible on your own, and at a much lower cost.
Our firm has nothing to sell but our nationally recognized expertise, and our many years of experience helping people make the most of their assets, achieve their personal and financial goals, and fulfill their dreams for the future. After helping hundred's of individuals, family's and retiree's since 1986, we understand all of the necessary steps towards reaching success.
Don't be amoung the vast majority that never achieve true financial independence. Remember: People do not plan to fail, they fail to plan!
We provide a FREE consultation with flexible office hours, so why not take a little time and discover for yourself how easy it is to greatly improve your financial life. |
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General Information |
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| Insurance License#: |
12087
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| Name of Custodial Firm: |
Charles Schwab & Co. Inc
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| States Willing to do Business in: |
Any
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| Years of Experience in Financial Services: |
22
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| Number of Years with Current Firm: |
17
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| Work Experience: |
Please see our website for a complete summary.
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| I work with the following types of clients: |
Individual Investors
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Education |
| Academic Background |
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| Please view our website for a complete summary. |
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Services |
| Investment Types: |
Annuities, Mutual Funds, Bonds, Stocks, International Investments, Socially Responsible Investments (SRI)
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
REGISTRY CERTIFIED FINANCIAL SPECIALIST
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| Insurance and Annuity Licenses: |
Life, Annuity
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| Financial Organization Memberships: |
Financial Services Organization
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| Non-Financial Organization Memberships: |
Please view our website for a complete summary.
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Firm Information |
| Number of Advisors in Office: |
Up to 10 employees
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| I work with clients as part of a team: |
Yes
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| Firm's Number of Clients: |
100
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| Firm's Number of Planning Clients: |
100
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| Firm's Number of Managed Clients: |
100
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| Assets Managed by Firm: |
$50,000.00
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| Advisor's Number of Clients: |
100
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| Advisor's Number of Managed Clients: |
100
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| Advisor's Number of Planning Clients: |
100
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| Assets Managed by Advisor: |
$50,000,000
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Compliance |
| Registered Investment Advisor: |
Yes
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| Investment Advisor Representative: |
Yes
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| I am an acknowledged fiduciary: |
Yes
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| Compliance Disclosures in Last 5 years: |
I have a clean record
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| Criminal Disclosures in Last 5 years: |
I have a clean record
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Compensation & Fees |
| Fee Structure: |
I am a fee-only financial professional
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| Minimum Portfolio Size for New Managed Accounts: |
$100,000
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| Compensation Methods: |
Based on Assets
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| Fee % Based on Assets: |
1% yearly
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| Additional Details on Charges: |
Our fees are based on the investment assets we are actively managing for you, and range from .50% to 1.25% annually. Our services also include a comprehensive financial plan at no additional cost (a $1500 value).
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| Minimum Fee Charged for Managed Accounts: |
$1,000 yr
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| Minimum Fee Charged for Hourly Planning Accounts: |
N/A
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| Minimum Fee Charged for Flat Fee Accounts: |
$1,000 yr
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| Prepared By: |
David Repka |
Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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We will pro-rate a refund of any advisory fees, if you are ever unhappy with our services. |
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What are your qualifications? What is your education background? |
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We have a very extensive background. Please refer to our website to view our entire list of qualifications. |
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What is your approach to financial planning? |
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Comprehensive financial planning is our main focus. We not only create a custom plan for your unique situation at no additional cost, but we will implement it for you as well, which very few advisory firms do. |
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What services do you offer? |
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We provide comprehensive financial planning and investment management. |
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How many clients do you currently manage? |
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Will you be the only person working with me? |
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Yes, you will work with the President of the firm, and will not get handed off to some inexperienced junior associate. |
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How are you compensated? How will I pay for your services? |
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We charge a low flat fee of .50% to 1.25% annually, based on the investment assets we are actively managing for you. This fee covers all of our advisory services, including a comprehensive financial plan. ($1500 VALUE) |
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If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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That will depend on you, and how involved you want to be in that process. Our services our very flexible. |
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Do you offer any guaranteed results? |
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How much risk should I be willing to take? |
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That will depend on your risk tolerence level, time horizon, and other factors which we fully evaluate. |
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Have you ever been charged with any breaches? |
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What services do you provide? What are your specialties? |
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Retirement planning, investment planning, estate planning, educational planning, tax planning, insurance planning, budgeting, employers benefits. |
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What is your experience? How many clients do you currently manage? |
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We have been in the financial advisory business for over 20 years, and work with approximately 100 clients. |
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What financial institution(s) do you represent? |
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How do you charge for your services? |
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The fee for our advisory services are based on a percentage of assets, that we are actively managing for you. |
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Do you provide a free initial consultation? |
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Why should I choose you as my financial advisor? |
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We are very well respected in the financial community, and are one of the top rated firms in Colorado. |
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What are your management fees? |
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What kind of plans do you specialize in? |
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Do you have a minimum requirement for number of employees or total investment value? |
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What type of plans do you offer? |
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Do you offer any additional services? |
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What are your qualifications? |
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They are very extensive and can be viewed on our website. |
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What is your approach to 401 K plan rollovers? |
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We design a detailed plan of action, based on your goals and needs for retirement. |
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How long does the process of rolling over a 401K plan usually take? |
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We simplify the process which expedites the rollover, and usually takes 1-2 weeks to finish. |
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What financial institutions do you represent? |
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How many years of experience do you have? |
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We have over 20 years of experience. |
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What are your fees for this service? |
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They vary, depending on the assets we are actively managing for you, and range from .50% to 1.25% annually. |
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How many 401K rollover clients do you currently manage? |
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Why should I roll over my 401K plan to your firm? |
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We specialize in this area, and have extensive experience to guide you through the process. |
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Do you provide a free initial consultation? |
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Yes, including flexible office hours. |
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