Wealth and Asset Management

Creative Financial Group is an investment management firm registered with the Securities and Exchange Commission and headquartered in Atlanta, Georgia. Our clients consist of individual investors, retirement plans, profit sharing plans, savings plans, and trusts.

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 predetermined 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 extensive 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. Preoccupation with short-term results is a major pitfall of most investors. Adherence to a prudent strategy is the key to accomplishing one's investment goals.

Investment selection begins with a broad-based analysis of the general economy. Interest rates are critical in projecting the future level of the stock and bond markets. By developing an interest rate projection and analyzing corporate profits, we are able to calculate statistically the expected values and total historical rates of return for specific investment sectors. We then overlay the financial goals, risk tolerance of the specific client, and 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 on a risk-adjusted basis. As the economy changes, and/or our client's investment goals change, we modify the allocation of funds. When desired by our clients, we have the ability to utilize individual stocks and bonds.

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