Creative Financial Concepts, Inc. fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed February 19, 2026. Fees can change, so confirm with the firm before you hire them.

Hourly rate

$150/hr

“For targeted scope planning, such as retirement planning, our fee is $150 per hour.”

Flat or project fee

$300

“The fee for a one-time investment analysis is $300 (2 hours).”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Creative Financial Concepts, Inc. bills

Payment and refund terms, quoted from the fee section of the brochure.

• “The fees are negotiable, but subject to AssetMark’s approval.”
• “The minimum fee is not prorated but will not be charged for the initial quarter, nor is it shared with Creative Financial Concepts, Inc.”
• “The management fee for the initial quarter is calculated on a pro-rata basis starting with the market value as of the close of business on the day before the assets are traded by AssetMark.”

How Creative Financial Concepts, Inc.’s fees compare

• Its hourly rate of $150 is below the Delaware median of $300. 6% of the 18 other Delaware planners that publish an hourly rate charge less.
• 1 of the 10 other planners in Wilmington that publish an hourly rate charge less.
• Its flat or project fee of $300 is below the Delaware median of $3,575. None of the 11 other Delaware planners that publish a flat or project fee charge less.
• None of the 5 other planners in Wilmington that publish a flat or project fee charge less.

About Creative Financial Concepts, Inc.

• Solo practice: one person runs the firm, so you work directly with the planner.
• Credentials named in the brochure: ChFC®.
• Founded: 1986 (40 years).

Firm details from Form ADV

How the firm is paid

Hourly fees, percentage of assets under management

Charges a % of assets

Yes

Highest asset based fee in brochure

1.75% a year

Employees

1

Services reported to regulators

Financial planning, pension consulting, and selecting other advisers

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

144618

Phone

(302) 478-9690

Can advise clients in 3 states: Delaware, Louisiana, Pennsylvania

Other planners in Wilmington that publish fees

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• Ajp Financial Services, LLCWilmington$10,000⁠-⁠$50,000/yr
• Benchmark Financial, LLCWilmington$500/hr, $1,500
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