Creative Capital Wealth Management Group

Creative Capital Wealth Management Group Changing the way financial advice is delivered - from virtually anywhere Securities offered through Triad Advisors LLC, Member FINRA/SIPC.

Investment advisory services offered through Creative Capital Wealth Management Group, a registered investment adviser. Creative Capital Wealth Management Group and Triad Advisors are not affiliated.

Our job at CCWMG is to help our clients build and maintain wealth. To do that, we have to step outside the box of conven...
07/13/2026

Our job at CCWMG is to help our clients build and maintain wealth. To do that, we have to step outside the box of conventional investing wisdom.

I’m not just talking about moving beyond the traditional 60% stocks/40% bonds portfolio.

I’m talking about being smart about how we pick alternative investments for our clients.

Let’s say that storage as an asset class looks good.

You might think we’d get firms who specialize in storage to help us pick the best investments.

On paper, that makes sense, right?
They’re experts, after all.
But when storage is no longer smart, those firms will be the last to know it.

So, we take a different approach.

We look for people to help us manage our storage asset class who are storage-adjacent.

Maybe there’s a manager with a fund that deals in real estate.

If they know what they’re doing, they can go anywhere that makes sense.

They might find a really good multifamily that’s undervalued and cash flows better than storage.

If they find a really good storage investment, they can pivot within the fund and get that too.

We do our due diligence, of course.

It’s not enough for a manager to say they can pick the best things.
They have to be able to prove it.

We look at their documentation, PPMs, and how they’ve deployed their money.

If everything checks out in our vetting process, we add them to our playbook.

And our clients reap the rewards.

Fred’s Friday thought
07/10/2026

Fred’s Friday thought

Most people equate familiar advice with safe advice. That belief is costing them a lot.I get why people tend to follow c...
07/09/2026

Most people equate familiar advice with safe advice.
That belief is costing them a lot.

I get why people tend to follow conventional wisdom, especially when it comes to money.

As humans, we don’t want to feel uncomfortable.

And we don’t want to be wrong.

So when we hear over and over that our portfolios should be 60% stocks and 40% bonds…
…or that we should invest in the S&P 500?

We tend to jump on board because we think following that advice is the safe bet.

The problem is that when you do what everyone else is doing, you’ll never get alpha.

In other words, you’ll never get returns over and above what everyone else gets.

It makes sense when you think about it.

If you follow conventional wisdom and stick to a 60/40 portfolio:

You’ll get the market upside.

But you won’t have anything to protect you from the inevitable downswings.

I’m not saying you have to ditch your 60/40 portfolio.

I am saying it’s worth stepping outside of familiar advice and exploring alternative investments.

Especially since they can stabilize your portfolio if things go south.

07/07/2026

I became a stockbroker just before 9/11. After the tragedy, I called our support number for advice about guiding my clients…and quickly realized something that changed everything:

Most financial “experts” are really financial salespeople.

That day, the stock guy told me that it was the perfect time to buy stocks.
The mutual fund person said I should point them to mutual funds.
The bond guy told me they should buy bonds.

Everyone says their product is “perfect.”

But to get to the truth, you have to follow where the money is.

Start by asking a simple question:

“Is it perfect because it’s perfect?
Or is it perfect because that’s the only thing you’re allowed to sell me?”

In my experience, most investors assume that if they structure their portfolio according to conventional wisdom, they’ll...
07/06/2026

In my experience, most investors assume that if they structure their portfolio according to conventional wisdom, they’ll be able to build massive wealth. Too often, they’re wrong.

The assumption:

The “ideal portfolio” is 60% stocks and 40% bonds.

Of course that might adjust up or down a bit depending on risk tolerance.

But in general, most people aim for a 60/40 split.

Here’s the thing:

The portfolios worth emulating—large endowments and bigger family offices—don’t do that.

In fact, they tend to steer clear of the stock market.

Realizing that was a huge aha moment for me.

Those endowments and family offices know something crucial:

Even though conventional wisdom says that when stocks go down, bonds go up…
…that hasn’t happened for decades.

In other words, the conventional portfolio structure doesn’t protect you from market downside.

Which can be a real problem.

I’m not saying that the 60/40 portfolio has no place.

It’s definitely better than nothing!

But if you are a high-net-worth individual, the 60/40 approach is flawed.

It’s worth looking into alternative investments…

And ditching the 60/40 portfolio, just like the big endowments and family offices do.

07/03/2026

Fred’s Friday Thought:

As America stands on the threshold of its 250th anniversary, let us reclaim the bold, contrarian spirit of 1776: the founders didn’t wait for permission or follow the status quo—they believed in themselves, declared independence, and built a nation of unprecedented freedom and opportunity through massive, decisive action.

This Independence Day, choose to do the same in your own life: reject average, trust your vision, and forge the extraordinary legacy you were meant to create. 🇺🇸

Happy early 4th—go build something great!

I have a mantra: It’s not how much you make, it’s how much you keep. And there are two ways to ensure you keep as much a...
06/25/2026

I have a mantra: It’s not how much you make, it’s how much you keep. And there are two ways to ensure you keep as much as possible.

First, reduce taxes.

That might sound obvious, but lots of people pay far more than necessary.

I should know:
On average, our clients save around $200,000 on taxes when they start working with us.

Second, protect your investments from loss.

One way to do that is to invest in things that offer a buffer if the market goes down.

Let’s say the market dips 20%.
If you’re invested in something that gives you a 20% buffer, you won’t feel that dip at all.

That’s important, because protecting what you’ve accumulated is key to financial legacy.

Once you’ve built a strategy to maintain your wealth, the next step is to allocate it.

Here’s the exciting thing:

There’s no one right way to structure the legacy you’ve worked so hard to build.

Maybe you want to leave each of your three kids a million dollars.

You could take $3 million and put it somewhere safe for them.
Of course, that means you can’t use the money, so maybe that’s not the way you want to go.

You could get a $3 million life insurance policy and make your kids equal beneficiaries.
But then you have to pay the premiums, so that might not be ideal either.

So maybe you take out the policy but use income from an investment to pay for it.
You’ll have $3 million to play with, and your kids will still each get a million when you’re gone.

All of these—and so many more—are legitimate approaches to structuring your legacy.

Which you choose simply comes down to what you’re comfortable with.
And what kind of legacy you want to leave behind.

Someone asked me recently what the difference between accumulating assets and designing a legacy is. It’s the kind of qu...
06/22/2026

Someone asked me recently what the difference between accumulating assets and designing a legacy is. It’s the kind of question, frankly, that not enough people ask themselves.

The answer is simple:

Before you can intentionally design your legacy, you need to have sufficient assets.

So, you accumulate.

Maybe that means growing your wealth through alternative investments.
Maybe it means building your 401(k).
Maybe it’s a combination of those, or something else completely.

However you do it, the goal is to accumulate enough to provide for your needs plus a little more.

Once that’s done, you can focus on designing your legacy.

Often, that starts with thinking about your purpose.

If you aren’t working anymore, what will you do?

There’s a caveat to all of this, though:

At no point are you strictly in either accumulation mode or legacy mode.
To some degree, you’re always doing both. It’s just that one is primary.

When you’re thinking about legacy, you’re still making money.

Still maintaining and encouraging growth.

But that’s no longer your primary focus.

Instead, you’re thinking about what you’re going to leave to those who come after you.
How you want to be remembered.
And intentionally building the framework that makes this a reality.

Fred’s Friday thought.
06/19/2026

Fred’s Friday thought.

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1208 Kimberton Road
Chester Springs, PA
19425

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