CreativeOne Advisors Group

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CreativeOne Advisors Group

CreativeOne Advisors Group provides financial products and strategies you can trust. CreativeOne Advisors Group is a DBA of CreativeOne Wealth.

We are excited to announce that, effective January 31, 2025, KC Financial Advisors has officially become CreativeOne Advisors Group. This change reflects our evolution since joining the CreativeOne Wealth family in 2021 and aligns with our commitment to offer you enhanced services, resources, and support tailored to your needs. This milestone marks both our growth and dedication to delivering fina

ncial solutions designed specifically for you. Since CreativeOne Wealth (C1W) acquired KC Financial Advisors in 2021, we’ve expanded our capabilities to serve you better. As CreativeOne Advisors Group, we will continue to build on our foundation of innovation and exceptional service while maintaining the personalized care you value. Under our new corporate umbrella at CreativeOne, we’re excited to keep providing wealth management solutions that align with your personal and professional goals, helping to create lasting value for you and your family. Investment advisory services offered through duly registered individuals through CreativeOne Wealth, LLC, a Registered Investment Adviser. Insurance services are offered through Licensed Insurance Professionals. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products. Additional details including potential conflicts of interest are available in our firm's ADV Part 2A and Form CRS (for advisory services) and the Insurance Agent Disclosure for Annuities form (for annuity recommendations).

29/06/2026

🎧 Many grandparents want to leave a meaningful financial legacy, but choosing the right assets to pass along isn't always as straightforward as it seems. In this podcast episode, David Dickens explores a common estate planning question and discusses why one approach may involve additional tax and administrative considerations. He also reviews several alternative strategies families may want to consider when thinking about transferring wealth to the next generation. 🎧

Here’s some of what we discuss in this episode:

⚖️ Tax Rules: Important considerations for inherited IRAs

🎁 Lifetime Gifting: Benefits of giving during your lifetime

👨‍👩‍👧‍👦 Family Planning: Looking beyond the IRA

🎓 College Impact: Financial aid considerations matter

🛡️ Trust Options: When additional controls may make sense

Many grandparents want to leave a meaningful financial legacy, but choosing the right assets to pass along isn't always as straightforward as it seems. In this episode, David explores a common estate planning question and discusses why one approach may involve additional tax and administrative consi...

08/06/2026

🎧Most people know Roth IRAs don’t normally have required minimum distributions, but things can change when someone inherits one. In this episode, David Dickens explains how inherited Roth IRA rules work, why beneficiary type matters, and when the IRS may still require distributions even from tax-free accounts. David also walks through real-world examples and highlights why beneficiary planning has become much more complicated after recent law changes. 🎧

Here’s some of what we discuss in this podcast episode:

📝RMD Basics: Traditional IRAs require withdrawals at 73

🧾 Inherited Roth Rules: Beneficiary type changes everything

⏳ 10-Year Rule: Many heirs must empty accounts within a decade

👨‍👩‍👧 Beneficiary Types: Eligible vs non-eligible matters

🛡️Tax-Free Growth Potential: Roth inheritance strategies can help preserve wealth

In this episode, David explains how inherited Roth IRA rules work, why beneficiary type matters, and when the IRS may still require distributions even from tax-free accounts.

19/05/2026

🎧David Dickens tackles two listener questions from folks standing right on the doorstep of retirement. He explores how timing a large vacation and a sick-leave payout could affect taxes and savings options, and then looks at whether it makes sense to retire before Medicare kicks in, given healthcare costs and subsidies. Throughout, David discusses how the “last mile” decisions could make a difference in retirement confidence. 🎧

Here’s some of what we discuss in this podcast episode:

🧠 Lump Sum Decisions Matter: Timing retirement payouts could impact taxes significantly

📉 Tax Bracket Creep: A single decision could unexpectedly push income into higher brackets

🏥 Healthcare Changes Everything: Retiring before Medicare could require careful planning

🧩 Multiple Strategies Exist: Roth accounts, brokerage assets, and 401(k)s all help create flexibility

🧭 Final Stretch Planning Counts: The last few months before retirement can shape long-term outcomes

David tackles two listener questions from folks standing right on the doorstep of retirement.

04/05/2026

🎧What happens when a 22-year-old suddenly inherits a significant sum with no guardrails in place? In this episode we unpack a listener scenario involving an uncle worried about his nephew’s financial future after an unexpected inheritance. They explore the potential risks of unrestricted wealth, the possible role of trusts, and how family members or advisors can step in to provide guidance.🎧
Here’s some of what we discuss in this episode:

🔥 Why young heirs sometimes burn through inheritances quickly

🛑 The potential risk of having no financial guardrails

🧠 How maturity and financial education can help shape outcomes

🤝 When to bring in a financial advisor or third party

📈 Turning a lump sum into a long-term financial asset

What happens when a 22-year-old suddenly inherits a significant sum with no guardrails in place? In this episode, David and Walter unpack a listener scenario involving an uncle worried about his nephew’s financial future after an unexpected inheritance.

23/04/2026

🎧What happens to your money after you’re gone isn’t always as simple as passing it down. David Dickens walks through a reality many families don’t talk about, and why planning ahead can make a meaningful difference. This isn’t just about protecting assets; it’s about protecting people. With the right structure and conversations, you can turn an inheritance into something that lasts.🎧

Here’s some of what we discuss in this episode:

🔑Inheritance Behavior: Many heirs either spend everything or save everything

🧠 Plan With Intention: Structure can help turn a windfall into a long-term resource

🏦 Large Estate Tools: Foundations can help reduce taxes and involve heirs

📜 Trust Strategies: Spendthrift and incentive trusts add a level of protection and guidance

🗣️ Clear Communication: Sharing your wishes ahead of time can make a lasting impact.

What happens to your money after you’re gone isn’t always as simple as passing it down. David walks through a reality many families don’t talk about, and why planning ahead can make a meaningful difference.

16/04/2026

🎧For many, the annual financial review is just a routine- show up, review the numbers, and leave. But what if that hour could be very valuable for your financial life? If you’re not leaving with clarity and confidence, you might be missing out. David Dickens explains how to turn your review into a meaningful conversation by asking the right questions, focusing on your plan, and actively participating. 🎧

Here’s some of what we discuss in this episode:

🔍 Identifying Bad Reviews: If it’s all one-sided, something’s wrong

✅ Good Reviews: Start with your goals, not your advisor’s agenda

💬 Collaboration: Ask what you want out of the meeting for a better meeting outcome

💡 Review Your Plan: Know your goals and keep track of progress

🗣️ Spouse Involvement: Make sure both partners are heard in the conversation

For many, the annual financial review is just a routine- show up, review the numbers, and leave. But what if that hour could be very valuable for your financial life?

Address

Opening Hours

Monday	08:30 - 16:30
Tuesday	08:30 - 16:30
Wednesday	08:30 - 16:00
Thursday	08:30 - 16:30
Friday	08:30 - 16:00

Website

http://www.creativeoneadvisorsgroup.com/

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