Financial Planning

Creative Financial Designs, Inc. strives not only to provide those services that are appropriate and necessary, but also unique, custom, and exceptional products and services. We know that every client has circumstances that create different needs. That is why we provide custom planning and investment management services for those needs.

Based on your current financial situation, the financial planning department can build you a custom comprehensive or modular financial plan depending on your needs. Your plan will provide you a roadmap that can include all of the following (for a comprehensive plan): cash flow, tax analysis, investment plan, accumulation and education funding, retirement analysis and planning, and estate planning. If you are a business owner, you will be thrilled to know that the team can also build a business plan to help you compare and guide your business needs.

Retirement Goals

Are you concerned with the probability of success with your current retirement plan?

Retirement Planning

Retirement planning should include important milestones, estimating expenses, calculating required after-tax returns, assessing risk tolerance, and doing estate planning

Children and College

Are you concerned with your ability to pay for your children’s college education?

Financial Planning

Financial planning is an ongoing process that will reduce your stress about money, support your current needs and help you build a nest egg for your long-term goals, like retirement

Financial Concerns

Do you feel like your finances are spiraling out of control?

Financial Planning

Financial planning is an ongoing process that will reduce your stress about money, support your current needs and help you build a nest egg for your long-term goals, like retirement

Debts?

Do you currently have any outstanding debt?

Debt Management

Tackling debt is a financial plan that attacks your debt with the goal of reducing or eliminating it. It's also a key step in developing a healthy financial plan.

Unexpected Changes

Have any big financial changes recently occurred or are on your horizon?

Risk Management

More than just 'insurance', a risk management plan helps manage exposure to uncertainty and financial loss by identifying major risks and determining suitable protection through various financial products and services.

Cash Flow Problems

Do you feel like you make a decent amount of money and have nothing to show for it?

Cash Management

More than just budgeting, cash management is knowing where your money is each month and making sure it's working for you. This includes keeping it aligned with your present-day priorities and your future goals.

Health and Death

Are you concerned with how financially stable your family would be should you pass away?

Risk Management

Wealth Transfer

Are you concerned your estate won’t pass to the heirs of your choice?

Estate Planning

This is the process of documenting your wishes about what you want to happen with your assets and personal property (your "estate") and how you want to pass them down. These documents specify who will protect those wishes and act on them in your absence.

Emergency Plans

Are you concerned with your ability to provide for you and your family in the event of a disability?

Risk Management

Taxes

Do you feel like you pay too much in taxes?

Tax Planning

Your tax plan should take a thorough look at your full financial plan including annual income and expenses, investment earnings and retirement contributions to make the best tax decisions for you and your taxes.

The Planning Process

Your trusted financial adviser meets with you (the client) during an “Initial Interview” to determine if a financial plan is right for you.
You will then be asked to complete some basic information about yourself & your financial goals.
Your financial adviser will send this information, along with other basic financial data (Paystubs, Investment Statements, Tax Returns, Wills/Trusts, Etc.), to the planning team at the Creative Financial Designs home office.
The planning team will construct your very own Individual Financial Plan based on the goals you have pre-determined.
The planning team sends the completed plan to your financial adviser’s office ready to be presented to you.
The adviser contacts the planning team if any additional scenarios or recommendations are requested.
With guidance from your financial adviser, you determine which individual recommendations to implement.

This entire process takes about three weeks to complete, and any updates to your financial plan are free for up to one year after the plan was created. Your plan is tailored to your unique financial situation and can include any of the following plan types and services:

Comprehensive Plans

Personal Financial Plans
Business Financial Plans

Modular Plans

Budget Analysis
Investment Analysis
Education Analysis
Retirement Analysis
Tax Analysis
Income Funding
Medicaid Planning
Estate Analysis
Accumulation Analysis

Additional Resources

Hourly Fee Services
Review Services