Creative Financial Group In the Media


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John & Kurt as featured in Kiplinger

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What Is a Financial Advisor

By John Culpepper | November 19, 2021 | Comments Off on What Is a Financial Advisor

If you want to get your finances and retirement in order, you need to organize and formulate a solid strategy to achieve those goals. This is a daunting task that many people are either unwilling or incapable of taking on; that’s where financial advisors come in. They can help you grow wealth, invest strategically, mitigate…

When Can You Withdraw From 401K

By John Culpepper | November 16, 2021 | Comments Off on When Can You Withdraw From 401K

401Ks are tax-advantaged retirement savings accounts, and many people contribute money to them every single year. Sometimes employers will match those contributions, creating the potential for you to build up a significant nest egg with a 401K.   Equally important as putting money into the account is knowing when the best time is to make…

How to Calculate Net Worth

By John Culpepper | November 12, 2021 | Comments Off on How to Calculate Net Worth

One of the most useful and commonly evaluated financial metrics is net worth. Net worth is the value of everything you own, including financial and non-financial assets, minus everything you still owe, otherwise known as your liabilities. The higher your net worth, the better your financial status.   Your net worth is an excellent indicator…

Is it Time for a Value Play?

By John Culpepper | November 10, 2021 | Comments Off on Is it Time for a Value Play?

The transition from growth to value and back to growth stocks often accelerated during the pandemic. Growth-oriented stocks usually outperform when the economy is on the rise. Therefore, growth stocks took the path of the coronavirus: They tanked during the lockdown, they rose again when the economy reopened and then stumbled again until vaccines were…

How to Evaluate a Stock

By John Culpepper | November 4, 2021 | Comments Off on How to Evaluate a Stock

There are moments in history when people have claimed investment choices don’t matter because if the market is up across the board, you cannot fail. That is not true. In fact, that should never be guiding financial advice. However, there is no doubt that the market has been up for many years — notwithstanding the…

Savings Strategies

By John Culpepper | November 4, 2021 | Comments Off on Savings Strategies

Some people have no trouble saving money — they stash away any cash they don’t need, and their account grows and grows. These people usually aren’t very materialistic and don’t have a lot of goals that require money to fulfill. That’s a wonderful trait, in some ways. However, there’s nothing wrong with setting up specific…

How Inflation Risk Can Affect You

By John Culpepper | October 22, 2021 | Comments Off on How Inflation Risk Can Affect You

Inflation is a steady rise in the price of goods and services over time and actually signals both good and bad economic conditions. On one hand, as prices rise, someone living on a fixed income cannot purchase the same amount of goods, so they tend to reduce spending or buy cheaper alternatives. On the other…

Sustainably Investing in Our Future

By John Culpepper | October 12, 2021 | Comments Off on Sustainably Investing in Our Future

While extreme weather events typically affect only certain parts of the country, there is increasing concern that climate change will affect the overall economy – including our investment portfolios. For this reason, the federal government is making composition changes to the Thrift Savings Plan (TSP), the retirement plan for federal employees. The TSP currently holds…

Status Update: Young Adults in America

By John Culpepper | October 6, 2021 | Comments Off on Status Update: Young Adults in America

Over the past 20 years, America’s young adults have experienced significant unemployment, massive student debt, extreme weather events, a global pandemic, a contentious political environment and dramatic socio-economic turmoil. Not that these things didn’t happen in previous generations, but today’s young adult is far more involved and aware due to the 24-hour news cycle and…

Market Thoughts: Looking Ahead and Abroad

By John Culpepper | September 30, 2021 | Comments Off on Market Thoughts: Looking Ahead and Abroad

The mid-year U.S. economic recovery numbers look strong. On Wall Street, analysts predict that our economy will expand by trillions of dollars and create 2 million good-paying jobs throughout the next 10 years. However, despite nearly 1 million jobs reported in July alone, the White House cautioned that the resurgence in COVID-19 cases among unvaccinated…

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