C.F.S Creative Financial Solutions

Formed in 1988, Creative Financial Solutions, LLC represents a new generation of goal-oriented financial planning firms. CFS advisors excel in helping clients maximize assets through conception, clarification and implementation of comprehensive, long-term financial plans.

Quite simply, "We help make dreams come true." That's our motto and goal shared by every CFS employee. Whether they're called goals, aims, wants, needs or wishes, everyone has dreams. Yet many don't know how to achieve them. CFS can help by providing solutions to financial problems that often hamper their dreams from becoming reality.

The answer to that question might well be "You do." One of CFS's greatest challenges involves dispelling the myth "Only wealthy people need financial advice."

CFS clients come from diverse backgrounds. They vary in age, education and economic levels. They range from single parents and newlyweds to retirees and a variety of businesses. Some come seeking advice toward reaching a specific goal. Others take advantage of our comprehensive long-term review, planning, and counseling services. Yet all receive the same expert, confidential, professional service, with courtesy, respect and integrity.

At CFS, we realize it's not how much money you make, it's how you make your money work! No matter how large or small a client's assets might be, CFS can help ensure those assets achieve maximum potential.

We could go into detail about our excellent credentials or talk about the stringent standards advisors must meet (and continually upgrade) to earn certification and become CFS associates. But even more important is the fact that most people come to us based on referrals from satisfied clients. This further proves how much we truly care about our clients and how much our clients value our services.

Product-based investors often rely on sources that sell "products" (see chart for examples). Such advice usually benefits the seller, but doesn't always maximize client assets. Because CFS does not "push" products, clients receive more objective, customized counsel. After careful analysis, CFS may well advise clients to purchase a specific product. However that will be advice based on client needs, not CFS's need to sell a product.

Here are examples of how product-based financial advisors often benefit from their own recommendations.

Product-based Advisor	Product	Advisor Benefits
Bank	CDs, money markets, and other bank-sponsored products	Salaries and other stockholder equity
Insurance Agent	Annuities, insurance policies	Commissions
Stockbroker	Stocks, bonds, mutual funds	Commissions
Real estate agent	Commercial and residential real estate	Commissions

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C r e a t i v e F i n a n c i a l S o l u t i o n s L L C

Creative Financial Solutions, LLC is a Registered Investment Advisor in the state of OH, KY, and WV.

Securities and advisory services offered through WRP Investments, Inc, Member NASD & SIPC.
CFS is not affiliated with WRP Investments, Inc. Securities and advisory activities are supervised
from 4407 Belmont Ave, Youngstown, OH 44505 (800)589-2023.
The services offered through WRP Investments, Inc are for residents in the following states: CA, CO, FL, IN, KS, KY, NC, OH, PA, SC, TX, VA, WV.