Comprehensive Financial Services for Your future
Your Dreams Matter
CFG Retirement Roadmap
We use apps to help us reach our destination when driving. It’s the same concept with financial planning. You should have a roadmap for how you’ll reach the retirement future you dream about. That’s what we created the CFG Retirement Roadmap for. Here’s a look at how it works:
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Building A Best-In-Class Portfolio
At Creative Financial Group, we aren’t offering you just any portfolio options. We design only the best, with each piece being tested in our rigorous four-step process. Watch this short video to see the method behind our best-in-class portfolios:
We’re often asked, “What makes you different? What makes you special?”
We’re looking forward to serving you, your dreams and your goals.
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Frequently Asked Questions
What financial services does Creative Financial Group offer?
We specialize in retirement planning for individuals and families with $1 Million or more in investable assets. Our work covers retirement income planning, tax strategy, Roth conversion analysis, Social Security optimization, RMD management, investment management, IRA and 401(k) rollovers, asset protection planning, and estate coordination. These are not add-on services. A tax strategy is built into every plan we create, not addressed as an afterthought.
How does retirement income planning work?
We start by building a complete picture of every income source you will have in retirement: Social Security, pensions, rental income, business income, portfolio withdrawals, and anything else that is part of your financial life. Then we build a withdrawal strategy that sequences income in the most tax-efficient order. That means deciding which account you pull from first, when you convert to Roth, how you time Social Security, and how you structure spending across the three phases of retirement. When it is done right, you may spend less on taxes and more on your life.
What is tax-efficient retirement planning?
Tax-efficient retirement planning means structuring your income, so the IRS takes the smallest legally permissible share of what you have saved. For our clients, the biggest opportunities are usually in the years between retirement and age 73 or 75, when RMD’s begin. That window is when Roth conversions are most powerful. Converting at lower rates now may reduce the risk of larger forced withdrawals and higher taxes later. We also manage asset locations, meaning which investments sit in which account types. We then coordinate all of it with Social Security timing to keep your effective rate as low as possible across your entire retirement.
What is a 401(k) rollover and when should I do it?
A 401(k) rollover moves your employer plan balance into an IRA, typically when you leave a job or retire. Done correctly, it is a non-taxable transfer. Done incorrectly, it can create a significant and unnecessary tax bill. Beyond the mechanics, the rollover decision intersects with your broader tax plan. In some cases, it makes sense to convert a portion of the rollover to Roth at the time of transfer. In others, the timing matters around your income for that year. We walk through the full picture before recommending a path.
How do you manage investment risk?
We build portfolios around what you actually need the money to do, not around a generic risk questionnaire. For retirement clients, that means structuring investments to match the spending phases ahead of you, protecting against sequence of returns risk in the early years when a down market can do the most damage, and maintaining enough liquidity so a bad year in the market does not force a sale at the wrong time. The portfolio is a tool. The plan tells us how to use it.
Can you help with estate planning?
We coordinate closely with estate attorneys to make sure your financial plan and your estate documents are aligned. Common gaps we find are outdated beneficiaries, assets unintentionally left outside a trust, no plan for remarriage, and no protection for inherited assets in the event of divorce. These are not rare scenarios. They are ones that can undo decades of smart financial decisions. We catch them before they become problems.
What makes Creative Financial Group different?
Most financial planning firms treat taxes as a separate department. We treat it as the foundation of everything we do. Our clients typically have between $1Million and $20 million in investable assets. That range comes with specific risks and opportunities that generic retirement advice does not address. RMD exposure, asset protection, Roth conversion strategy, Social Security optimization, and estate coordination all change materially at this wealth level. We have built our entire practice around that complexity.
How does Creative Financial Group charge for services?
We are transparent about fees before any engagement begins. Our compensation structure is tied to the work we do and the assets we manage. Our incentive is to build a plan that works for you, because that is what keeps clients working with us for decades. We will walk through exactly how our fees work before you commit to anything.