Creative Financial Strategies, Inc.

Creative Financial Strategies, Inc. provides financial planning, investment management, tax preparation, business advisory and insurance product services to individuals, small businesses, retirement plans, trusts, estates and charitable organizations. The firm operates on a fee-based model and offers a range of engagement types, including comprehensive planning, retainer and hourly arrangements, as well as investment management and implementation through third‑party platforms.

The firm typically delivers advice on a non‑discretionary basis, documenting client goals in written investment policy statements and executing trades only under a limited power of attorney or at the client’s direction; periodic reviews and account reporting are performed to monitor progress. Portfolios may be managed directly by the firm or through third‑party asset management platforms (including use of GeoWealth and institutional custody relationships), with strategies that range from active to passive and are globally diversified to align with client objectives.

What distinguishes this firm from many peers is its participation in insurance brokerage and the sale of commissioned insurance and annuity products alongside advisory services, and its explicit provision of DST/1031 exchange consulting—each disclosed as creating potential conflicts of interest when relevant. The firm also offers specialized business services such as Independent CFO support and financial management, and maintains a small, concentrated client base with roughly $8.24 million in advisory assets, which can lead to more negotiated fee and engagement arrangements than at larger firms.