Cool Creek Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$40,801,756
This total excludes 4 entity clients. Entities are clients such as corporations, partnerships, or trusts.
Total clients
105
10% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
105
Average account size
$388,588
About
Cool Creek Financial is a fee-only, independent advisory firm operated by a solo advisor that serves individuals and families as well as employer-sponsored retirement plans, pension or profit-sharing plans, and other institutional clients such as charitable organizations and businesses. Its services include discretionary wealth management, project-based financial planning, and retirement plan consulting for plan sponsors and fiduciaries.
The firm constructs client portfolios using asset-allocation frameworks informed by modern portfolio theory and blends passive and active strategies, with the option to engage outside managers and mutual funds/ETFs when appropriate. For retirement accounts it acts as a fiduciary under ERISA and provides plan-level consulting, participant education, and ongoing monitoring and oversight tailored to plan sponsor needs.
Noteworthy for a solo independent adviser, the firm provides pension consulting and portfolio management for institutional plan clients and the principal holds a Certified Plan Fiduciary Advisor designation that supports its plan work. Operationally, the firm relies on institutional custodial platforms, uses direct fee deduction and standing letters of authorization to facilitate transfers, and has disclosed a recent state settlement related to fee-deduction disclosures that involved an administrative assessment but no findings of fraud or client harm.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Expertise
Wealth management
College savings (529s, UTMA, etc.)
Fee options
Project-Based Financial Planning fixed fees range from $1,000 to $2,000
$0 - $1,000,000: 1.00% $1,000,001 - $3,000,000: 0.70% $3,000,001 - $7,000,000: 0.50% $7,000,001 - $10,000,000: 0.35% $10,000,001+: 0.20%
$200 per hour for Project-Based Financial Planning
Fee-only: Fee-only firm; compensated solely by clients for advisory services
Main office location
Cool Creek Financial
Lancaster PA, United States
Number of offices
1
Most active in
Cool Creek Financial has reported serving >5 clients in these states in the last 12 months.
Florida · Pennsylvania · South Carolina
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
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