Wealth and Asset Management

Working from a financial planning approach which places an emphasis prudent diversification, asset allocation and goal achievement, our goal is to enhance the client’ potential to reach their goals while minimizing their exposure to risk and volatility. We seek to achieve above average rates of return (relative to the broad market) commensurate with the client’s goals and risk tolerance, while attempting to insulate the client's asset base from the erosive effects of inflation.

We work closely with the client at the onset (and throughout) to develop an understanding of the risk tolerances, investment preferences, performance expectations, income requirements, investment knowledge, and tax consequences, along with any other personal considerations that may exists. At this juncture, and continuing through the relationship, we utilize our knowledge of tax and estate planning with other financial planning tools to develop an investment strategy. This strategy takes into consideration all assets and benefits plans that may complement the assets that we have responsibility for in the attainment of the client's financial goals.

We consider discipline to be the foundation for long-term results. It is our belief that short-term results are a major pitfall of most investors. Adherence to a prudent strategy is the key to accomplishing investment goals.

We strive to overlay the client's financial goals and risk tolerance to derive an allocation of assets. Our selection process primarily utilizes no-load mutual funds or ETFs. We believe that utilizing mutual funds or exchange-traded funds as investment vehicles provide the investor with superior diversification, cost efficiencies with regard to effecting transactions, and professional management. Our research identifies specific money managers with demonstrated superior investment results over 3,5, 10 year time horizons, on a risk-adjusted basis. As the economy changes, and/or our client's investment goals change, we modify the allocation of funds. When directed by our clients, we have the ability to utilize individual stocks and bonds.

At Creative Financial Group, our clients are our most valuable asset.