Business Description
We are commited to assisting our clients identify, pursue and live out "True Wealth". For over 18 years we have helped countless numbers of families strategically plan and live out their lives in a way that brings satisfaction, and also leaves a legacy.
General Information Gender:    Male CRD#:    2226377 Firm CRD#:    25427 Name of Broker/Dealer:    cfd Investments. Inc. States Licensed in:    IL, NC, FL, VA, IN, OH Years of Experience in Financial Services:    18 Number of Years with Current Firm:    15 I work with the following types of clients:    Individual Investors, Non-Profit Organizations, Businesses
Education Academic Background   Bachelor of Arts in Accounting and Finance, Cedarville University 1991. Pursuing MBA from Robert Morris University
Services Investment Types:    Mortgages & Real Estate, Mutual Funds, Exchange Traded Funds (ETFs), Insurance, Bonds, Annuities, Stocks
Qualifications & Memberships Securities Licenses:    Series 65, Series 63, Series 7 Insurance and Annuity Licenses:    Disability, Variable Life, Long Term Care, Variable Annuity, Annuity, Life, Health Financial Organization Memberships:    Financial Planning Association (FPA)
Firm Information Number of Advisors in Office:    Up to 10 employees I work with clients as part of a team:    Yes
Compliance Registered Representative:    Yes Investment Advisor Representative:    Yes Compliance Disclosures in Last 5 years:    I have a clean record Criminal Disclosures in Last 5 years:    I have a clean record
Compensation & Fees I am a fee-based financial professional:    Yes Minimum Portfolio Size for New Managed Accounts:    $50,000 Compensation Methods:    Hourly, Based on Assets, Commissions, Flat Fee Fee % Based on Assets:    .5%-2.00% Hourly Rate:    $200 Additional Details on Charges:    Depending on complexity, there is an initial financial planning fee that ranges from $350 - $2,500. This fee is based upon the clients annual income and net worth.
Prepared By:	John Creekmur

Frequently Asked Questions

Q.	Do you have a customer satisfaction or refund policy?

Q.	What is your approach to financial planning?

Q.	Will you be the only person working with me?

Q.	How are you compensated? How will I pay for your services?

Q.	What services do you provide? What are your specialties?

Q.	Do you provide a free initial consultation?

Q.	Why should I choose you as my financial advisor?

Q.	What is your approach to 401 K plan rollovers?

Q.	What financial institutions do you represent?

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Q.	Do you have a customer satisfaction or refund policy?
If for any reason our client is not satisfied with the financial plan presented, we offer a 100% money back guarantee of the financial planning fee. We also guarantee that we will find as much in income tax savings as is the amount of the financial planning fees.

Q.	What is your approach to financial planning?
Our firm is desires to assist families as they live out a fulfilling life. We start by looking at assets, liabilities, cash flows, tax obligations, estate structure, and employement contracts. Secondly we identify where the client wants to be. Thirdly, we develop a map to assist the client in getting from where they are to where they want to be in the most tax efficient way possible.

Q.	Will you be the only person working with me?
I am the director of a team of individuals that will be working with you. As the main communicator, I will be responsible to communicate directly with all clients. However, my team of professionals all handle specific areas of expertise, and from time to time, our clients may have direct communication with these professionals.

Q.	How are you compensated? How will I pay for your services?
As a financial planning firm, we charge a fee based upon annual income and net worth to design a financial plan, that we call a "True Wealth Plan".

Q.	What services do you provide? What are your specialties?
We specialize in creating creative financial plans that help clients journey from where they are to where they want to be. We specialize in understanding the uniques situations that our clients have.

Q.	Do you provide a free initial consultation?
The initial consultation is always free. We use the intial meeting to indentify clients that are a good fit for our firm, and if we are a good fit for the client. At the end of the initial meeting we choose to offer to some of the potential clients an invitation to join our firm.

Q.	Why should I choose you as my financial advisor?
We define True Wealth as "All the things in life that money cannot buy and death cannot take away.". We earnestly desire to work with people that realize that wealth and finances are simply a tool to be earnestly worked to assist us in living an abundant life. If you are such a person, we would love to sit down and talk.

Q.	What is your approach to 401 K plan rollovers?
Each financial event that happens must be viewed within the framework of how it impacts the persons entire financial life. Because of this we look at 401(K) rollovers within the framework of a persons retirement goals. Once the beginning and ending points are defined, a "rollover plan" is developed that will maximize the clients stated goals.

Q.	What financial institutions do you represent?
Our firm is independant of all firms. Because of this we represent a large number of financial institutions, ranging from local banks to large custodial companies.