Your Dreams Matter
At Creative Financial Group, we believe everyone should be able to live the retirement they’ve always wanted. Our team of professionals can help you create a well-thought-out strategy, using a variety of investments, products and services, to help you address your financial needs and concerns.
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:
When you set out on a trip, what’s the first thing you do?
You probably put your destination into an app on your phone so you can get a roadmap for where you’re going. Financial planning is just like that. And it’s why we built our CFG Retirement Roadmap to help families and retirees reach their financial goals. We provide this no-cost, proactive planning tool because we believe everyone should have clarity about where they’re headed.
The CFG Roadmap covers five key areas to help you gain that clarity:
- Income Planning
- Investment Planning
- Tax Planning
- Health Care Planning
- Legacy Planning
We want to empower you to proactively navigate through “what if” scenarios like: “What if I want to purchase a new car, go on vacations, retire early, maximize my retirement income, implement tax strategies, give to charities, help a family member or buy a home?”
Through our sophisticated financial software, combined with our many years of experience, we can show you the numbers and projected impact on your overall plan, helping you make informed decisions you can feel confident about. This level of precision can help you avoid costly mistakes, overpayment in fees and taxes, and most importantly, the risk of running out of money in retirement.
Your CFG Retirement Roadmap can also help you:
- Navigate the decision of when to apply for Social Security
- Determine the optimal age for retirement
- Evaluate the use of tax-free accounts for added benefits
- Strategize IRA/401(k) withdrawals for minimal tax liability
- Identify the best accounts for income withdrawal, balancing tax implications and risk
- Assess the benefits of a Roth conversion tailored to your financial situation
- Utilize blue chip stock dividend-paying accounts for consistent income
- Prepare for potential market downturns and their impact on your financial plan
- Aim to minimize penalties, fees, taxes and mistakes while achieving your financial objectives
- Plan for your legacy and how income withdrawal and taxes affect your beneficiaries
Unlike many financial groups that focus primarily on the past year’s investment returns, we look ahead. We understand that knowing whether your accounts are up or down is just part of the financial puzzle. And as your goals and circumstances evolve each year, so will your roadmap. We’re regularly adjusting strategies and assessing the impact on your bottom line.
Creative Financial Group is committed to guiding you toward a future where your wealth is not just preserved but you’re also thriving. Plan confidently so you can live abundantly.
Give us a call today so we can create your no-cost CFG Retirement Roadmap. And if you know someone who could also benefit from this advice, feel free to share this video with them.
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?”
Well, what you’ll find different about Creative Financial Group is that we put your retirement and planning first.
We use our CFG Retirement Roadmap to keep you updated with changes in the market, taxes and your income needs. One key piece of that roadmap is your portfolio. And we put in a great deal of time and effort to build best-in-class portfolios. These are not commissionable products. We act as a fiduciary and are obligated to act in your best interest, always.
That starts with using the best and most well-known independent research, such as Morningstar and Best Rankings by US News & World Report, just to name a few. Why is that so important? Well, imagine you’re in the market for a major new purchase, like a new car or appliance. Where would you turn to for information? You wouldn’t just look at the pretty, glossy brochures those companies give you. You’d check out some trusted third-party sources like Consumer Reports. That’s how you can make truly informed decisions. You wouldn’t want to make a decision on one of your largest assets, your retirement portfolio, without the same kind of independent research.
We filter every investment through our four-step funnel before it makes it into any of our portfolios. The first step is all about quality. We look at all the different stocks, ETFs and mutual funds and only select the best ones. The next level is risk management. Then, we compare each investment’s performance against key benchmarks like the S&P 500 and Dow Jones Industrial Average. Only about 20% meet or exceed the benchmarks over time. And the final stage is about dollars and cents. If the cost is too high, it gets kicked out of the funnel.
Each level of screening reduces the number of investments deemed worthy of being in a best-in-class portfolio. What comes out are only the best pieces of the puzzle. Then, we fit those pieces together for you at the best possible value.
If this sounds like a lot of work, it’s because it is. It requires in-depth knowledge, a lot of effort and many hours. But to us, our clients are worth it.
At Creative Financial Group, our goal is to help you live your retirement dream without worry.
We’re looking forward to serving you, your dreams and your goals.
Ready to Take
The Next Step?
For more information about any of the products and services listed here, schedule a meeting today or register to attend a seminar.