Creative Retirement Planning, Inc.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$1,705,421
Clients
3
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
3
Very LowAverage account size
$568,474
About
Creative Retirement Planning, Inc. serves individual clients—often retirees or those preparing for retirement, including higher‑net‑worth individuals and small business owners. The firm provides retirement income and estate planning, portfolio management, fixed annuities, life and long‑term care insurance, and mortgage services with an emphasis on reverse mortgages.
Advisory services are delivered through a consultative, predominantly non‑discretionary model in which the adviser personally reviews and monitors accounts and generally seeks client approval before placing trades; allocations tend to favor income‑oriented solutions such as diversified indexed funds supplemented by guaranteed annuity products. Custodial investment accounts are held at Charles Schwab, and the firm integrates fee‑based portfolio management with separate insurance and mortgage placement activities.
Noteworthy features include dual licensure as an insurance agent and mortgage broker and an explicit reverse‑mortgage practice and seminar/workshop program, which is uncommon among independent advisers. The principal’s retirement‑income credentials (CLU, ChFC, RICP and an Ed Slott Elite designation), together with a very small, highly personalized client base and a mixed commission/fee revenue model, distinguish the firm from typical peers.
Client services
Financial planning
Portfolio management
Educational seminars or workshops
Fee options
0.60% annually
Commissions paid by insurance companies and mortgage lenders for insurance and mortgage products, not negotiable with clients.
$200 per hour, may be partially waived if agreed upon.
Account minimum: $200,000
Main office location
Creative Retirement Planning, Inc.
334 W Washington St
Sequim WA 98382, United States
Number of offices
2
Most active in
Creative Retirement Planning, Inc. has reported serving >5 clients in these states in the last 12 months.
Washington
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 active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
-
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.
Forms ADV
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