Custom Wealth Strategies for Your Goals
Together, we’ll build your ideal financial blueprint
At Creekmur Wealth Advisors, we believe your financial path should be as unique as you are. That’s why we work side-by-side with you to craft your personalized CWA Blueprint — tailored to fit your goals, values and vision for the future.
Wealth Planning
Goals-Based. Growth-Focused. Risk-Managed. Tax-Minimized.
Through collaboration, decades of experience and a deep commitment to understanding your needs, we help transform your aspirations into actionable strategies. With us, you don’t just get a plan—you get a trusted partner dedicated to helping you build a brighter financial future.
Retirement Savings and Income Planning
It’s important to have a plan that provides peace of mind and supports the retirement lifestyle you envision. We focus on working together by analyzing your current situation, identifying potential challenges, and recommending actions to help you build a secure and fulfilling future.
Investment Planning
Our team begins by reviewing the current composition of your investment portfolio to assess potential returns, risks and total expenses. From there, we work together to design a personalized portfolio tailored to each of your financial goals, aiming to strike a balance between necessary risk and help you achieve your objectives within your desired timeframe.
Risk Management and Insurance Planning
We analyze several areas of potential risk (investment, insurance, disability, loss of income, etc.) and recommend solutions tailored to address those challenges. Together, we work to create a plan that helps ensure your loved ones are supported and cared for, no matter what life may bring.
Tax and Estate Planning
Our team collaborates with you to understand your tax situation and explore ways to reduce your lifetime tax burden. Together, we aim to ensure your accounts are invested as efficiently as possible to support your financial goals.
CWA Blueprint Process
We will guide you through the CWA Blueprint process during a series of meetings held in one of our local offices or virtually.
Foundation Meeting
Your Wealth Advisor will guide you through a discussion to help us get a clear understanding of your current financial situation as well as your personal goals and desired financial outcomes.
Your goals drive every decision we make
Our process balances growth with protection for long-term success
We build portfolios with purpose and discipline
We stay with you through market shifts and life changes
We adjust when markets shift or life changes
You'll understand every decision we make on your behalf
We explain our reasoning and keep you informed
You'll know exactly why we recommend what we do and how it serves your future.
We measure progress against what truly counts
Not just market returns, but whether you're moving closer to the life you want.
Investment Management
Investment Management is a core component of every CWA Blueprint. Each client we work with receives a customized investment portfolio tailored to their individual risk tolerance and timeframe for achieving their goals.
How We Do It
The Trend Plus Indicator is how our team measures the overall market direction. We use this indicator to help us adjust the risk in our clients’ accounts by allocating more or less of their accounts to the stock market. You can learn more about this indicator by reading our team’s whitepaper.
More About the TPI
We offer three individual stock-specific models to our clients. We view stock investing as a long-term, buy-and-hold component of each of our clients’ portfolios. Our team has conducted deep research on each of the individual company stocks that our clients own, which gives us the confidence to hold these shares throughout all types of market environments.
1. Growth Stock Model – Comprised of 8-12 Growth company stocks. A growth company is a corporation that seeks to grow its revenue at a pace above the average of other companies in a similar industry.
2. Income Stock Model – Comprised of 8-10 Income or Dividend-focused company stocks. We primarily target Dividend Aristocrats for inclusion in this model. A Dividend Aristocrat is a company in the S&P 500 that has increased its dividend every year for 25 years.
3. Growth & Income Stock Model – Comprised of 8-12 companies that are included in both the Growth and Income models. We select the 4-6 best companies in each of our models for inclusion in the Growth & Income Model.
Exchange Traded Funds (ETFs) have grown exponentially in their popularity due to their low-cost structure and trading in a much more efficient manner than Mutual Funds (they trade similarly to a stock, whereas a Mutual Fund takes days to buy/sell). We have three specific ETF models that our advisors can utilize in client accounts.
1. Passive Equity ETF – This model is comprised of low-cost index ETFs. Our investment team will adjust this model throughout the year based on which areas of the market or economy are performing the best.
2. Tactical Equity ETF – This model is comprised of 4-5 sector-specific ETFs. A sector is a specific area of the market, such as Real Estate, Financials and Technology. Our team monitors all sectors of the market and will invest in the 4 to 5 strongest sectors. We review these sectors daily and will make adjustments in the model throughout the year.
3. Fixed Income ETF – This model is comprised of 4-5 Fixed Income (Bond) ETFs. Funds are selected based on the interest rate environment and the overall health of the economy. Our team will make adjustments in this model throughout the year if the environment changes.
A Target Outcome ETF is also sometimes referred to as a Buffer ETF. These funds track a major stock market index, such as the S&P 500 or NASDAQ, and seek to provide a specific outcome in both up and down markets. These funds are used to reduce risk in our client accounts without sacrificing excessive growth potential. You can learn more about Target Outcome ETFs via this whitepaper.
How a Target Outcome Buffer ETF Works
Advanced Planning
Our financial planning and investment management team may recommend specialized strategies to address the unique needs of clients with more complex financial situations. Typically, these advanced solutions are most appropriate for Accredited Investors.
We have partnered with some of the largest Private Equity firms in the country to provide our clients with several high-quality selections.
We have identified a handful of Real Estate Fund Managers with excellent track records who can provide tax-efficient income and appreciation potential via their funds.
Venture Capital has had an incredible run over the last decade plus. While this type of investing comes with extreme volatility, the long-term potential rewards are often worth taking those risks. We have a select group of managers in this space that may be a fit for clients with the right attitude towards risk and a long-term time horizon.
A Donor-Advised Fund (DAF) is a way for you to achieve multiple goals at once. By contributing to a DAF, you can decrease your current year’s taxable income, give to non-profits of choice, and still invest the assets in the DAF for long-term appreciation to further increase your lifelong impact.
How a DAF Works
Traditionally reserved for High Net Worth individuals, Institutions, Pension Funds, etc. We have partnered with some of the world’s largest banks to unlock the potential of Structured Notes for our clients. These investments offer a way to participate in the appreciation or income-generating potential of the stock market without assuming the full market risk. While these investments may not be suitable for everyone, they are a valuable tool to have available in the right situation.
Our team has expanded to include CFPs, EAs and other credentialed professionals with decades of experience in tax planning. If you have a large transaction coming up, such as a business sale, ISO/stock option vesting, or other significant income event, we strongly encourage you to contact our tax team.
We have expanded our capabilities in this area to provide our clients with an advanced level of customization for their insurance products, tailored to their specific needs and addressing complex underwriting issues.
More questions to ask?
Contact us to discuss your specific situation
Ready to Build the Retirement You’ve Been Dreaming About?
It’s never too early — or too late — to take control of your financial future so you can enjoy life on your terms. Get started today by scheduling a meeting or registering for an upcoming event.
