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CreativeOne Securities Review

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This review was produced by SmartAsset based on publicly available information. The named firm and its financial professionals have not reviewed, approved, or endorsed this review and are not responsible for its accuracy. Review content is produced by SmartAsset independently of any business relationships that might exist between SmartAsset and the named firm and its financial professionals, and firms and financial professionals having business relationships with SmartAsset receive no special treatment or consideration in SmartAsset’s reviews. This page contains links to SmartAsset’s financial advisor matching tool, which may or may not match you with the firm mentioned in this review or its financial professionals.

CreativeOne Securities is a financial advisor firm located in Overland Park, Kansas. Rather than manage client assets directly, the firm serves as a program provider and network for independent financial advisors and their firms. In total, it works with hundreds of financial advisors that boast a collective billions of dollars in assets under management (AUM). Its range of financial services that advisors can take advantage of include portfolio management and financial planning.

As a fee-based firm, some of CreativeOne's advisory representatives have an opportunity to earn commissions from the sale of insurance products and securities. Fee-only firms operate differently, as they only earn income from client-paid fees.

CreativeOne Securities Background

CreativeOne Securities opened for business in 2010. It is wholly owned by Creative One Marketing Corporation, which is an insurance marketing company. The firm's leadership team includes Jeff Eisenhauer, who serves as president and chief compliance officer (CCO), and Sandy Monical, who acts as chief operating officer (COO). The firm employs several other employees who help oversee its network of independent advisors.

Among the advisors who are part of the firm's network, there are several that boast financial certifications and designations. These include chartered financial analysts (CFAs) and certified financial planners (CFPs).

CreativeOne Securities Client Types and Minimum Account Sizes

Through its network of advisors, CreativeOne works with over 17,000 clients, the vast majority of whom are individuals below the high-net-worth threshold. The rest of its client base is made up of high-net-worth individuals, retirement plans and businesses.

Those looking to open an account with a CreativeOne advisor will need at least $25,000 in investable assets. However, if you only want financial planning or consulting services, there is no minimum.

Services Offered by CreativeOne Securities

CreativeOne Securities mainly provides investment management programs, tools and oversight to its network of independent advisors. The firm also has a selection of financial planning, consulting and retirement plan offerings. Here's a breakdown of everything the firm can offer through its advisors:

  • Investment management
    • Making recommendations to investment advisers about mutual fund and variable annuity management services
    • Third-party ChangePath platform services
    • Separately managed advisory services
    • Client choice investment management services
  • Financial planning
    • Estate planning
    • Retirement planning
    • Investment planning
    • Tax planning
    • Insurance planning
  • Consulting
    • Personalized, one-time financial analysis
      • Insurance
      • Taxes
      • Investment objectives
      • Estate management
  • Retirement plan services
    • Plan sponsor investment advising
    • Investment policy statement (IPS) creation
    • Investment performance monitoring
    • Plan participant education

CreativeOne Securities Investment Philosophy

CreativeOne Securities and its network of advisors work directly with clients to determine their risk tolerance, time horizon, investment objectives and other important factors. Using this information, advisors tailor their investment advice and portfolio strategies to help clients meet their individual financial goals. In general, though, the firm is focused on long-term asset growth, as it tends to utilize a "buy-and-hold" philosophy. As a result, advisors don't buy and sell securities within clients' portfolios very often.

CreativeOne typically limits its investment advice to stocks, bonds, mutual funds, exchange-traded funds (ETFs), variable life insurance and annuities. The firm generally sticks to fundamental and cyclical analysis when it comes to evaluating potential investments.

Fees Under CreativeOne Securities

Fees at CreativeOne Securities vary by the type of services requested. For financial planning and consulting services, hourly fees can range from $100 to $250, while flat fees fall between $300 to $10,000. The firm's other financial services include fees based on a percentage of each client's total AUM. Depending on the program the client uses, investment management fees can range from 0.50% to 2.50%. Separately managed accounts (SMAs) are charged a negotiable flat fee.

What to Watch Out For

According to its official Form ADV, CreativeOne Securities has one disclosure on its legal and regulatory record. This is in reference to a situation from 2019 where the U.S. Securities and Exchange Commission (SEC) found that CreativeOne breached its fiduciary duty when it came to the disclosure of its "mutual fund share class selection practices and the fees it received." As a result, the firm submitted to censure, disgorgement and a cease and desist order.

CreativeOne Securities' status as a fee-based firm means that some of its advisory representatives can earn commissions from the sale of specific investment and insurance products. This creates the potential for a conflict of interest. Despite this situation, the firm and its advisors abide by fiduciary duty, legally binding them to act in clients' best interests at all times.

Opening an Account With CreativeOne Securities

CreativeOne Securities' website features a contact form, which prospective clients can fill out to have an advisor reach out to them. You can also call (913) 814-6097 to find a CreativeOne advisor.

All information is accurate as of the writing of this article.

Money Management Tips

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How Long $1 Million Lasts in Retirement

SmartAsset's interactive map highlights places where $1 million will last the longest in retirement. Zoom between states and the national map to see the top spots in each region. Also, scroll over any city to learn about the cost of living in retirement for that location.

Least
Most
Rank City Housing Expenses Food Expenses Healthcare Expenses Utilities Expenses Transportation Expenses

Methodology We weighed potential expenditures for a prospective retiree with a  $1 million nest egg to assess how many years that fund would cover in retirement in America’s largest cities.

We applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city. Using this data, SmartAsset calculated the average cost of living for retirees in metro areas across the U.S.

We assumed the $1 million would grow at a net annual return of 2% after inflation. Then, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would cover retirement expenses in each of the cities in our study. Cities where $1 million lasted the longest ranked the highest in the study.