# Creative Financial Concepts

Creative Financial Concepts is an Asset Manager based in Wilmington, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Wilmington, United States
- **Region:** North America
- **Address:** New York, NY, United States
- **Founded:** 1996
- **Assets under management:** Undisclosed
- **Website:** creativefinancialconcepts.com

## Regulatory record

- **CRD number:** 144618
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/144618

## About

Creative Financial Concepts, Inc. is a state-registered investment adviser in Wilmington, DE. It has one employee and one investment adviser. The firm operates from this location.

## Sectors

- Financial Services
- Wealth Management
- Retirement Planning

## People

- Brian S. Cohen — President

## Questions

### Is Creative Financial Concepts a broker-dealer or a registered investment adviser?

It operates as a fee-only registered investment adviser, per its public ADV filings. This means the firm is held to a fiduciary standard, obligated to put client interests first and avoid commission-based conflicts. The practice was structured this way from its 1996 founding, before the fiduciary versus suitability debate became a mainstream regulatory topic.

### Who handles client planning and investment decisions at the firm?

President Brian S. Cohen is the named principal and lead adviser. Cohen is a CERTIFIED FINANCIAL PLANNER™ professional who has authored consumer-facing educational content on Social Security, retirement distribution strategies, and household finance. There is no indication of a separate investment committee structure or external sub-adviser relationships.

### Does Creative Financial Concepts take custody of client assets?

No. As a non-custodial RIA, the firm advises on assets held at independent third-party custodians. This separation of advice from custody is a structural safeguard — clients retain direct control over their accounts and receive statements directly from the custodian, not from the advisory firm.

### Does the firm invest in private equity, venture capital, or alternative assets?

There is no public evidence of direct investment in private equity, venture capital, or alternative assets. The firm's stated expertise lies in retirement-income planning, tax-efficient distribution strategies, and risk-capacity assessment — disciplines that generally map to publicly traded securities, bonds, and cash-equivalent instruments allocated through third-party platforms.

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Last updated: 2026-06-03T20:00:00.000Z

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