Financial planning for people 50+ with $500,000+ saved who want help with retirement and tax planning - Serving clients nationwide.
We’ve been on this mission since 2003 to provide independent fiduciary advice for you, your family and all the people you care about. From the moment you come into our offices or visit with us virtually, we want you to feel at home.
No material compensation is paid for client testimonials. Client experiences vary, and testimonials speak to the particular client experience, and are not representative of all client experiences. Testimonials are available at search -Creative Financial Google Reviews. The client providing the testimonial does not have any material conflicts of interest as it relates to the testimonial provided.
How We Help
Our mission is to help individuals over 50 who have saved well confidently navigate the complexities of retirement by focusing on cost, quality, and risk management using our 3 Pillar Approach: Comprehensive Financial Planning, Strategic Tax Planning, and Money Management.
Creative Financial Group received the Better Business Bureau (BBB) Central Indiana Torch Award for Ethics on October 15, 2025. The Torch Award is a third-party award designed to honor companies that demonstrate high ethical standards of behavior towards customers, suppliers, employees, and communities. The award is judged by an independent panel of volunteer community leaders based on criteria regarding Character, Culture, Customers, and Community. This award is not based on investment performance or client experience with the adviser’s investment services. Creative Financial Group did not pay an application fee or other fees to the BBB to be considered for or to use this award.
Meet the Team
As Featured In
[Free Book] Tax-Smart Retirement
Frequently Asked Questions
What does a financial advisor do for retirement planning?
Most advisors manage investments. We do something different. We build a complete retirement income plan, meaning we plan every account, every tax decision, and every dollar you will spend from the day you retire. That includes when to take Social Security, how to handle Roth conversions in the years before RMD’s hit, and how to structure withdrawals, so the IRS is not your biggest expense in retirement. Investment management is one piece. The plan around it is designed to protect your lifestyle.
When should I hire a financial advisor?
When your financial situation is complex enough that a mistake is expensive. For most of our clients, that point arrives when they have more than $1 million in investable assets, typically within five to ten years of retirement or already retired. That window, between your last paycheck and the day your income sources lock in, is when the decisions you make have the longest-lasting consequences. Tax strategies set in place before retirement may provide meaningful long-term savings over the following decade, depending on individual circumstances. Waiting until retirement to plan for retirement is one of the most common and most costly mistakes we see.
What is a fiduciary financial advisor?
A fiduciary is legally required to put your interest first. Not the firm’s interest. Not a product company’s interests. Yours. At Creative Financial Group, we operate as fiduciaries. We do not earn commissions on products we recommend or funds we use in our strategies. Our most important job is to build a plan that actually works for you.
How much does a financial advisor cost in Indiana?
Fee structures vary across the industry. Some advisors charge a percentage of assets under management, typically between 0.50% and 2%. Others charge flat annual fees or hourly rates. What matters more than the fee structure is what you receive for it. A comprehensive retirement plan that may reduce your lifetime tax burden has the potential for meaningful long-term financial results. We are happy to walk through exactly how our fees work and what they cover before you commit to anything.
Is it worth paying for a financial advisor?
That depends entirely on what you are getting. If an advisor is simply managing a portfolio and sending you quarterly statements, the math is harder to justify. If an advisor is building a tax strategy that aims to reduce what you owe on RMDs, optimize your Social Security claiming, protect your estate from risks, and build a withdrawal plan that stretches your money across thirty years of spending, the potential value could far exceed the fee. We work with clients who have $1 Million to $100 Million in assets. The clients who tell us the relationship paid for itself are not always the ones with the highest investment returns. Often, they are the ones with the best plans.
Can a financial advisor help reduce taxes in retirement?
Tax reduction in retirement is one of the highest-value services we provide. The strategies that matter most are Roth conversions in the years before and after RMD’s begin and structuring the order in which you pull from taxable, tax-deferred, and tax-free accounts. Timing Social Security to avoid pushing income into higher brackets and managing investment gains to keep your effective rate as low as possible is also important. Most of our clients did not realize how much of their retirement savings were earmarked by the IRS until we showed them. The good news is that with the right plan in place before retirement, most of that is avoidable.
What is the difference between a financial planner and a financial advisor?
In practice, the titles often overlap. The more important distinction is whether your advisor is building a comprehensive retirement plan or simply managing an investment account. We do both. But the plan always comes first. An investment account without a tax strategy, a withdrawal order, a Social Security timing decision, and a spend-down model is just a number. The plan is what tells you whether that number is enough, how long it will last, and how much of it will actually reach you after taxes.
Do I need a financial advisor if I already have investments?
Having investments is not the same as having a retirement plan. A strong portfolio without a tax strategy, a withdrawal plan, and an income structure can still run short, pay far more in taxes than necessary, or leave your family exposed in ways you never anticipated. At our firm, we review plans from people who did everything right on paper…strong portfolio, good diversification, reasonable withdrawal rate, and still find a significant amount of avoidable taxes sitting right under the surface. Investments are a good start, but they’re not comprehensive.