some common questions we get asked.
A: Yes. I am registered as an Investment Advisor Representative (IAR) under the Investment Advisors Act Of 1940. Under this federal requirement, if you’re acting in an investment adviser representative (IAR) capacity, you’re a fiduciary. As a fiduciary, I am legally obligated to put my client's interests ahead of mine and act in my client's best interests at all times. This means that I must provide advice that is suitable for my client's needs and risk tolerance and must disclose any potential conflicts of interest.
A: You can search for registrations at the SEC’s Investment Adviser Public Disclosure Website: https://adviserinfo.sec.gov/ (My CRD#: 2131294)
For CreativeOne Wealth disclosures, you can click on the links below:
https://threestreamsfinancial.com/wp-content/uploads/2025/09/ADV-C1W.pdf
https://threestreamsfinancial.com/wp-content/uploads/2025/09/CRS-FORM-C1W.pdf
A: An IAR (Investment Advisor Representative) is someone who is registered with the Securities and Exchange Commission or a state's securities agency and is authorized to provide investment advice to clients in exchange for compensation.
A: The Fee-Only compensation method is considered the most transparent and objective method for financial advice. This compensation model helps to minimize conflicts of interest and guarantees that your financial advisor acts as your fiduciary, putting your interests first. Fee-only advisors are paid only by their clients for advice, plan implementation, and the ongoing management of assets.
A: Yes. I’ve chosen Charles Schwab to be the custodian for all my clients. The first thing to remember is your securities—like stocks, bonds, mutual funds, exchange-traded funds, or money market funds—held at Schwab are yours. The SEC's Customer Protection Rule safeguards customer assets at brokerage firms by preventing firms from using customer assets to finance their own proprietary businesses. I can also rest easy at night knowing that Schwab holds itself to the highest security standards when it comes to safeguarding my client’s assets. You can learn more about how your assets are protected by Charles Schwab at https://www.schwab.com/legal/account-protection.
A: We take nothing for granted. We have the independence of a boutique financial firm, but we’re backed by the power of CreativeOne Wealth, LLC, a revolutionary asset management platform and Registered Investment Advisory (RIA) firm. CreativeOne provides back-office support, ensures compliance, and continuously monitors privacy protection. You can learn more at https://adviser.creativeonewealth.com/tech.
A: First, RIAs are legally obligated to act in your best interest. They also tend to provide more personalized services. Since they aren't paid on commission, they don't have an incentive simply to deal with only when selling something. RIAs typically have transparent fee structures, often charging a percentage of assets under management or a flat fee, which aligns their interests with yours.
Many investors are unaware of, or confused about, the various fees they may pay when investing. Not my clients! We believe in Fiduciary transparency. Our fee schedule is 0.50% to 0.95% of assets under management annually. We can also negotiate a flat fee for outside investment advice. Our minimum account size is $500,000 of investable assets. However, our services are also available to active accumulators under 45 with a minimum of only $300,000.
Curious what that looks like in practice? See how we put it to work across our services.
A: It depends on your desired lifestyle, healthcare costs, Social Security timing, and — most importantly — how your income is actually generated once the paychecks stop. We walk through real numbers and a step-by-step framework in How Much Do I Need To Retire In Kansas? For a number tailored to your situation rather than a generic rule of thumb, request a free personalized retirement map.
We provide three core services designed to work together: investment management, retirement income planning, and estate and legacy planning. You can choose your level of service, and every recommendation is built around a clear, written plan rather than a one-size-fits-all product. See the full breakdown on our services page.
A: Dividend growth investing focuses on owning quality companies with a long history of raising their dividends, which can help retirement income keep pace with inflation over time. It's a core part of how we build dividend-growth investing portfolios, and we explain the mechanics in How Growing Dividends Can Raise Your Safe Withdrawal Rate In Retirement.
A: No. While we're based in the Kansas City area, we work with clients throughout Kansas and Missouri, including Wichita, Lawrence, St. Joseph, and Sedalia, plus clients in other states. Visit our service area page to see if we already serve your city.
A: Yes. We offer a free personalized retirement map so you can see a clear, written plan for generating retirement income before you commit to anything. It's a no-pressure way to find out whether our approach is the right fit.
A: Start by reaching out through our contact page to schedule an introductory conversation. You can also learn more about our background and philosophy on our about us page before you reach out.
