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About Creath Financial Services |
| I help you with your investment and insurance needs. I am an independent; I don't have any products or services that I have to sell. I don't charge for my time, or any of the reports that I do for you. Your agenda is my agenda. I look at my business as a relationship business, so I try to establish a mutually beneficial relationship with you so that we can work together through the years and make sure that your plans keep up with the changes in your life. I have been in the business for over 30 years and have 3 advanced designations in the industry, Charter Life Underwriter (CLU), Chartered Financial Consultant (ChFC) and Qualified Kingdom Advisor (QKA). |
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General Information |
| Years of Experience in Financial Services: |
30
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| Work Experience: |
I was in the US Navy for 20 years. I have been in the financial services industry since 1991.
Financial Group.
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| States Licensed in: |
IL, WI, FL,
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| Name of Custodial Firm: |
Gradient Advisors, LLC
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| Number of Years with Current Firm: |
6
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| Insurance License#: |
1984994
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| Work with the following types of clients: |
Investment Clubs, Businesses, Individual Investors, Non-Profit Organizations
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| Name of Broker/Dealer: |
Gradient Advisors, LLC
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| States Willing to do Business in: |
Addison,Algonquin,Arlington Heights,Barrington,Bartlett,Batavia,Bensenville,Bloomingdale,Bolingbrook,Buffalo Grove,Carol Stream,Carpentersville,Cary,Chicago,Clarendon Hills,Crystal Lake,Deerfield,Des Plaines,Downers Grove,Dundee,Elburn,Elgin,Elmhurst,Elmwood Park,Evanston,Fort Sheridan,Fox River Grove,Franklin Park,Geneva,Gilberts,Glen Ellyn,Glenview,Golf,Grayslake,Great Lakes,Hampshire,Highland Park,Island Lake,Itasca,La Grange,Lake Bluff,Lake Forest,Lake Zurich,Lemont,Libertyville,Lincolnshire,Lincolnwood,Lisle,Lombard,Medinah,Melrose Park,Morton Grove,Mount Prospect,Naperville,Northbrook,Oak Brook,Oak Park,Palatine,Park Ridge,Prospect Heights,Round Lake,Saint Charles,Schaumburg,Skokie,South Elgin,Sugar Grove,Villa Park,Warrenville,Wauconda,Wayne,West Chicago,Western Springs,Westmont,Wheaton,Wheeling,Wilmette,Winnetka,Wood Dale,Woodridge,Any others where I have a willing client.
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| Advisory Services Provided: |
Financial Planning for Individuals, Wealth Management, 401K Rollovers, Retirement Planning, Portfolio Management, Financial Planning, Insurance Products & Annuities, Investment Advice & Management, Financial Advice & Consulting
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Education |
| Academic Background |
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| MS Marketing 1971--Illinois Tech, MS Management
1983--Naval Postgraduate School |
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Services |
| Investment Types: |
Mutual Funds, Bonds, Stocks, Annuities, Insurance, Exchange Traded Funds (ETFs), Alternative Investments, Socially Responsible Investments (SRI)
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| Can meet clients in the following ways: |
Your Office, Email, Phone, Our Office, Your Home, Video Conference
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CLU®, ChFC®, QKA
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| Securities Licenses: |
Series 6, Series 63, Series 65
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| Insurance and Annuity Licenses: |
Long Term Care, Life, Health, Annuity, Disability
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| Financial Organization Memberships: |
Kingdom Advisors
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Firm Information |
| Assets Managed by Firm: |
$3,000,000
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| Assets Managed by Advisor: |
$5,000,000
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| Advisor's Number of Clients: |
50
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| Firm's Number of Clients: |
50
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| Advisor's Number of Planning Clients: |
0
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| Advisor's Number of Managed Clients: |
50
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| Firm's Number of Planning Clients: |
0
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| Firm's Number of Managed Clients: |
75
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Compliance |
| Criminal Disclosures in Last 5 years: |
Have a clean record
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| Compliance Disclosures in Last 5 years: |
Have a clean record
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| Investment Advisor Representative: |
Yes
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| Acknowledged fiduciary: |
Yes
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Compensation and Fees |
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| Fee % Based on Assets: |
1%
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| Additional Details on Charges: |
I assist clients with fee-based accounts.
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| Compensation Methods: |
Flat Fee
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| Minimum Portfolio Size for New Managed Accounts: |
$50,000
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| Minimum Fee Charged for Managed Accounts: |
1%
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| Minimum Fee Charged for Hourly Planning Accounts: |
No charge
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Frequently Asked Questions |
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| Q. |
Do you have a customer satisfaction or refund policy? |
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A client can leave at any time and move his money somewhere else. |
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| Q. |
What are your qualifications? What is your education background? |
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Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU). Certified Kingdom Advisor (CKA0 sonce 2007.
Series 6, 63, and 65. BS in Marketing ans MS in Management. |
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| Q. |
How are you compensated? How will I pay for your services? |
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The investments are fee-based and the insurance is commissioned based. You never write a check to me. |
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| Q. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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| Q. |
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, unless we need to consult a specialist. |
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| Q. |
Do you offer any guaranteed results? |
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We can not guarantee the results of any investment. Some of the annuities have guarantees on their returns. |
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| Q. |
How much risk should I be willing to take? |
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Risk is specific to each investor. I use a questionnaire to help determine the amount of risk that you you would be comfortable with. I lean more to the conservative with my clients. |
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Have you ever been charged with any breaches? |
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What is your approach to financial planning? |
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Always doing what is right for my client. I will care about you and your family's financial security in the same capacity as you would. |
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| Q. |
What services do you offer? |
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Investments,with managed accounts, and annuities to assist my clients with 401k rollovers, retirement funding, education funding, wealth accumulation. Personal insurances, such as life, disability, and long term care. Portfolio analysis reviews. Financial plans. |
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Why should I choose you as my financial advisor? |
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Whenever working with a client,I try to establish a long term mutually beneficial relationship that will enable us to work together through the years. An initial meeting is simply to find out if we want to work together and proceed to a second meeting. |
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| Q. |
How do you charge for your services? |
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All of my the investments are fee based. The insurance is commissioned based. |
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What services do you provide? What are your specialties? |
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Investments, with managed accounts and annuities to assist my clients with 401k rollovers, retirement funding, education planning, wealth accumulation. Personal insurances, such as lie, disability, and long term care. Portfolios analysis reviews. Financial plans. |
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What is your experience? How many clients do you currently manage? |
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Over 30 years in the financial services industry. 25 clients. |
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| Q. |
What financial institution(s) do you represent? |
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My advisory company is Gradient Advisors. As an independent advisor, I have have access to a wide variety of investments. |
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| Q. |
What are your management fees? |
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I don't manage any 401ks. |
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What are your qualifications? |
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I have been in the industry for over 30 years. I have 3 advanced designations in the financial services industry. |
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| Q. |
What is your approach to 401 K plan rollovers? |
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I typically split the rollover into an investment account and an annuity with a guaranteed income rider. |
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| Q. |
How long does the process of rolling over a 401K plan usually take? |
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6-8 weeks. It depends on the releasing company. |
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| Q. |
What financial institutions do you represent? |
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I am an independent broker. My advisory company is Gradient Advisors. I have access to numerous investments and annuities. |
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| Q. |
How many years of experience do you have? |
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What are your fees for this service? |
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1% of the money invested. |
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| Q. |
How many 401K rollover clients do you currently manage? |
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| Q. |
Why should I roll over my 401K plan to your firm? |
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Because I establish a long term mutually beneficial relationship with my clients and review with them on a regular basis. I am always on call for my clients. |
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