Creative Financial Designs, Inc.

Creative Financial Designs serves individual (including high‑net‑worth) clients, charitable organizations, corporate and business clients, and employer retirement plans with discretionary and non‑discretionary investment management, variable annuity and self‑directed retirement platforms, as well as comprehensive and modular financial planning and consulting. The firm delivers these services through a network of investment adviser representatives and affiliated intermediaries, using both in‑house model portfolios and adviser‑directed management.

The firm’s investment process is centered on asset‑class model allocations tied to five portfolio objectives and informed by third‑party research (Morningstar, JP Morgan, Goldman Sachs, Vanguard, etc.), and it offers a broad menu of strategies from passive ETF and mutual‑fund models to tactically managed and individual‑security combination approaches. Creative also maintains a sizable suite of Biblical Responsible Investing (BRI) strategies and provides optional features such as gradual “allocate‑over‑time” funding and an Optional Cash Allocation sweep for cash management, with either discretionary or non‑discretionary execution depending on the platform.

Compared with many enterprise peers, Creative offers subscription‑style billing and retainer arrangements in addition to traditional asset‑based fees, and it operates within a family of affiliated businesses that includes a broker/dealer, insurance and tax services—and a family‑owned real estate brokerage noted in its disclosures. The firm also publishes conflict‑of‑interest disclosures, corporate sponsor information and periodic ADV updates on its website, and provides specialized services such as dedicated variable‑annuity and hybrid management programs and adviser‑managed custom strategies.