Creative Financial Designs, Inc.

Creating a legacy of investment management and financial planning services tailored to our clients needs and goals.

DCI 04-2013

Your Needs, Your Goals, Your Company

Founded in 1982, Creative Financial Designs, Inc. is a Investment Adviser Registered with the United States Securities and Exchange Commission (SEC). Headquartered in Kokomo, Indiana, the firm represents the best of Midwest Values putting your needs and goals front and center. We strive to provide you with services and products that serve those needs and goals. Check out our website at www. creativefinancialdesigns.com to learn more or continue reading. If at anytime you have questions your valued adviser will be there to guide you.

Building Trust One Client at a Time

Our team understands that trust is earned and not given. That is why we strive to do what is right from day one. We have been working with clients for 30 years, building thousands of financial plans in a tax-wise manner and managing thousands of investment accounts. Isnt it time for you to get your financial house in order with a reputable company that can provide you all the services to make it happen?

Building Trust

Dedication of Employees
When it comes to providing services, we are there to keep ensuring that your needs always come first and are provided in a Kingdom Class manor. Our company develops quality services from the ground up building from years of experience in the industry.

Your Investment Committee

The investment committee is made up of five individuals that have over a combined 100 years of financial service industry experience. They have been through the ups, the downs, and nearly everything in between. It is their job to provide insight into the changing political, economical, and financial landscape, which is used to help shape the investment philosophy and strategies of the firms managed accounts. You can rest assured that this team is in place to help you achieve your goals. You can see specific information on the investment committee in the firms Investment Management Brochure available upon request.

Your Investment Management Team

The investment management team is responsible for monitoring, allocating, and trading your managed investment account. This team is made up of five full-time staff members specifically handling all aspects of the management services. There are several other staff members helping in research, review, set-up, and the monitoring of your accounts.

Your Financial Planning Department Team

The financial planning departments responsibility is to build your personal financial plan. Whether its a personal comprehensive financial plan, a business plan, or a modular plan, this team continually stays current with issues affecting taxes, estates, investments and other matters that may involve clients personal or business needs. They are also up-to date on the necessary and elite software, etc. to make sure they are bringing you the best plan based on your needs.

Dedication

Why Financial Planning?

Read and answer the following 10 questions: r Are you concerned with the probability of success with your current retirement plan? r Do you feel like your finances are spiraling out of control? r Do you feel like you make a decent amount of money and have nothing to show for it? r Do you feel like you pay too much in taxes? r Are you concerned with your ability to pay for your childrens college education? r Do you currently have any outstanding debt? r Are you concerned with how financially stable your family would be should you pass away? r Are you concerned with your ability to provide for you and your family in the event of a disability? r Have any big financial changes recently occurred or are on your horizon? r Are you concerned your estate wont pass to the heirs of your choice? If you answered yes to any of these questions or have additional financial concerns, a financial plan may be right for you. The planning process is a detailed and comprehensive process that helps guide you to your financial future. Read below to see how our planning process works.

The Planning Process

1. Your trusted financial adviser meets with you (the client) during an Initial Interview to determine if a financial plan is right for you. 2. You will then be asked to complete some basic information about yourself & your financial goals. 3. Your financial adviser will send this information, along with other basic financial data (Paystubs, Investment Statements, Tax Returns, Wills/Trusts, Etc.), to the planning team at the Creative Financial Designs home office. 4. The planning team will construct your very own Individual Financial Plan based on the goals you have pre-determined. 5. The planning team sends the completed plan to your financial advisers office ready to be presented to you. 6. The adviser contacts the planning team if any additional scenarios or recommendations are requested. 7. With guidance from your financial adviser, you determine which individual recommendations to implement. This entire process takes about three weeks to complete, and any updates to your financial plan are free for up to one year after the plan was created.

You Gotta Have a Plan

Planning

Financial Planning Services

Creative Financial Designs, Inc. strives not only to provide those services that are appropriate and necessary, but also unique, custom, and exceptional products and services. We know that every client has circumstances that create different needs. That is why we provide custom planning and investment management services for those needs.

Financial Planning: Based on your current financial situation, the financial planning department

can build you a custom comprehensive or modular financial plan depending on your needs. Your plan will provide you a roadmap that can include all of the following (for a comprehensive plan): cash flow, tax analysis, investment plan, accumulation and education funding, retirement analysis and planning, and estate planning. If you are a business owner, you will be thrilled to know that the team can also build a business plan to help you compare and guide your business needs. Planning services offered:

Financial Planning
Comprehensive Plans Personal Financial Plans Business Financial Plans Modular Plans Budget Analysis Investment Analysis Education Analysis Retirement Analysis Tax Analysis Income Funding Medicaid Planning Estate Analysis Accumulation Analysis

Additional Resources
Hourly Fee Services Review Services

Retirement Analysis Results

Has the objective been met?
Additional Income Retirement Income Need Social Security Withdrawals from Assets Required Distributions

$300,000 $250,000

Annual Income

$200,000 $150,000 $100,000 $50,000 $0 63 65 67 69 71 73 75 77 79 81 83 85 87 89 91 93 -62 64 66 68 70 72 74 76 78 80 82 84 86 88 90 92 94 Client Age HaroldA's 's Age Client B's Age Holly's Age
Assuming: mortality age 95

Personalization
Capitalized Value* Capitalized applied income sources Capitalized asset withdrawals Total capitalized income objective

Based on the analysis of your retirement needs, expected income sources and available assets, your retirement income objective will be completely satisfied. Congratulations! Amount $1,060,228 $642,555 $1,702,783 % of Total 62% 38% 100%

While this analysis is mathematically very precise, it cannot predict the future. Downturns in the economy or unexpected expenses, especially early in retirement, can stress test the healthiest portfolio. Regular reviews are necessary to ensure that adjustments are made when appropriate.
These results are hypothetical and are not a promise of future performance.

*Capitalization treats a series of cash flows as a lump sum, deposited in a hypothetical account with a taxable return of 8.00%.

Details of Financial Planning Services

Comprehensive Plans
Personal Financial Plans - Our professional planning team does an all-inclusive analysis of your unique situation(s) with recommendations tailored to your needs and goals. The plan includes: cash flow, net worth, tax, investment, accumulation, education, insurance, retirement, and estate analyses. Business Financial Plans - A business comprehensive financial plan will look at your business and not only compare you with industry standards but help you develop a plan for success. Specifically, we look at business cash flow, taxes, key accounting ratios, and valuations.

Modular Plans
Budget Analysis - A budget analysis will look at your current cash flow and make specific recommendations on areas to help you improve and save. Investment Analysis - An investment analysis will look at your current investments and based on your risk tolerance, time horizons, and objectives develop a plan of action to create portfolios that suit your needs. Education, Accumulation, & Income Analysis - An education, accumulation, and income analysis looks at your familys goals and needs and develops a plan to help you meet those needs. Retirement Analysis - A retirement analysis reviews your personal retirement situation and based on your goals and needs provides a plan to help you through a successful retirement. Tax Analysis - Consists of a full review of your current and possible past (if issues are found) tax situation. We then help you develop a plan to minimize your tax liabilities now and in the future. Making sure you are not paying more than your fair share. Medicaid Planning - With modular Medicaid planning you will get a review of the likelihood of assets being depleted or confiscated in the event of long-term care needs. Estate Analysis This service analyzes your current estate and plan with your specific assets and helps you develop a plan to minimize taxes along with attempting to help your beneficiaries receive the maximum possible.

Details

Why Investment Management Services?

Read and answer the following 10 questions: r Do you know that you should be investing for your future needs & goals? r Have you ever wondered how you should be investing? r Do you ever wonder what you should be investing in? r Are you ever confused about the choices inside your investment plan? r Do you want to know that your investments are based on your needs and goals? r Do you ever fear opening your account statement? r Do you feel that your time could be spent doing other things besides investment research? r Do you want peace of mind in knowing that a team is monitoring your portfolio daily? r Do you want an adviser that is on the same side of the table as you? r Do you want an adviser that can reach your investment team at any time if you have questions? If you have answered Yes to any of these questions, we believe investment management services may be for you. Our team spends the time researching, evaluating, and allocating your portfolio so you can enjoy your passions. You can stop worrying about what you do not know and start relaxing knowing that your investment account(s) are being taken care of. You will have a trusted and valued adviser that is with you and guiding you as you go.

Service

Portfolio Management
Creative Financial Designs, Inc. provides you personalized portfolio management services for possibly all of your investment needs. With three management platforms using five asset allocation portfolios and several investment strategies, our team develops your portfolio based on your goals, risk tolerance, and time horizon. We know that every client is different and we will work with your adviser to help create the right portfolio for your needs. If you like choices and knowing all of your hard earned assets can be monitored and managed based on your needs, you will be happy to see all of these investment management options:

Portfolio Models
Conservative Income - Seeks relatively stable values with low risk and attempting to keep up with inflation. Income - Portfolio is more focused on income than growth and capital preservation. Conservative Growth - A more balanced portfolio looking to combine income and growth. Growth - A view to long-term growth with average to above average risk. Aggressive Growth - For aggressive investors with tolerance for large market movements.

Conservative Income Less Volatile

Income

Conservative Growth

Growth

Aggressive Growth More Volatile

General Allocation Breakdown

10% Cash 70% Bonds 15% Domestic Equities 5% International Equities

10% Cash 45% Bonds 35% Domestic Equities 10% International Equities

5% Cash 35% Bonds 50% Domestic Equities 10% International Equities

0% Cash 25% Bonds 60% Domestic Equities 15% International Equities

0% Cash 10% Bonds 70% Domestic Equities 20% International Equities

Portfolio allocations are subject to change by Creative Finical Designs, Inc. without notice.

Options

Management Platforms
is available for any type of brokerage account. Our company offers many different strategies and options within this platform. Here are the basics:

AssetAllocation Brokerage Management Platform - This investment management platform Custodians - We offer all our brokerage management services through two custodians:

RBC Correspondent Services (RBC) National Financial Services (NFS)

Investment Management Strategies - We understand clients are different and may like different
options for their management. We call these our strategies and offer six different ways our management team can manage your assets through our brokerage management: Mutual Funds Only (minimum $25,000) - A portfolio of only mutual funds, providing a diversified portfolio based on your risk tolerance. A broad range of mutual funds are available. NTF (minimum $25,000) - A portfolio of mutual funds without any transactions charges except the mandatory $3 shipping and handling fees. A limited number of mutual funds are available depending on the custodian used. ETF (minimum $25,000) - A portfolio of only Exchange Traded Funds built for your risk tolerance. Biblical Faith Values (minimum $25,000) - A portfolio of mutual funds that profess to be investing based on Biblical ideals. Individual Equities (minimum $60,000) - A portfolio of individual equities (stocks) that limit internal cost and management with potentially more risk. Combination (minimum $60,000) - Portfolio combines mutual funds, ETFs, and individual equities based on the management teams research.

Alternative Investment Rider - The alternative investment rider provides a management service that attempts to reduce the volatility in a portfolio by using investments that normally act in an inverse way to normal markets. Clients can elect for this service on their account to help smooth out some of the market volatility.

Brokerage Management

Management Platforms (continued)

Self-Directed Retirement Advisory - We understand that clients need help with all their investing
needs. That is why we offer investment management services even for your companys personal retirement plan. We will allocate your personal retirement account (your 401(k), 403(b), TSA, 457, SEP, SIMPLE, etc.) based on the investment choices within your plan and within your investment risk tolerance. That way you do not have to worry about the allocation of your personal retirement plan! We offer two separate services for this platform, Active and Passive.

Active - Our Active investment management service for your personal retirement plan entails our management team actively looking at your account on a daily basis; checking the allocation breakdown of your portfolio based on your investment goals. We will also review and compare all the investment choices on a monthly basis as information is updated. Our goal is to make sure you remain in the right investments and the right portfolio based on your goals all the time. Passive - Our Passive investment management service is a lower cost service meant to help keep
your portfolio on the right track. With the passive service, our management team will allocate your portfolio, normally on a quarterly basis depending on how much your portfolio is in line with our current recommendations. Then, at least an annually, our management team will compare all the investment choices within your plan.
Self-Directed Retirement
Mission Statement
Our Mission is to provide unique and valuable investment services to all clients while honoring our Kingdom Values in guiding our work and lives.

PASSION

2704 South Goyer Road Kokomo, IN 46902 Phone 800.745.7776

Guiding You In The Right Direction

www.creativefinancialdesigns.com email: questions@creativefinancialdesigns.com Building Quality Advisory & Client Relationships.

Advisory services are provided through Creative Financial Designs, Inc., Registered Investment Adviser. 2704 South Goyer Road, Kokomo, IN 46902 765.453.9600

SDSK 01-2011

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Retirement Plans

Management Platforms (continued)

3rd Party Variable Annuity Management - Again, our firms and your advisers goal is to provide
you with all the financial services that you need. Our investment management team also offers investment management services for your variable annuity contract(s). We look at the investment options available within the product and build what we think is the best portfolio based on your investment objectives risk tolerance and time horizon. We maintain and monitor the investment options along with making the necessary trades as needed.

Participating Companies14 variable annuity companies currently available.

Allianz AXA Guardian Hartford ING Jackson National Life Jefferson National Lincoln Benefit Life Nationwide Pacific Life Prudential Security Benefit Transamerica Western Reserve Life

3rd Party Variable Annuity

Mission Statement
Our Mission is to provide unique and valuable investment services to all clients while honoring our Kingdom Values in guiding our work and lives.

PASSION

2704 South Goyer Road Kokomo, IN 46902 Phone 800.745.7776

Guiding You In The Right Direction

www.creativefinancialdesigns.com email: questions@creativefinancialdesigns.com Building Quality Advisory & Client Relationships.

Advisory services are provided through Creative Financial Designs, Inc., Registered Investment Adviser. 2704 South Goyer Road, Kokomo, IN 46902 765.453.9600

VASK 01-2011

Variable Annuities

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Philosophy
Creative Financial Designs, Inc. provides investment management and financial planning services and tools to help every client achieve their goals, needs, and financial freedom. Along with your trusted adviser, we understand every clients situation and needs are different. That is why we are devoted to helping and guiding all clients in their current situation. With our team working to make sure your managed assets are on track with your goals and needs, your trusted adviser has the time to work with you and help guide you with regard to the other components of your total financial picture.

Creative Financial Designs, Inc. Located in the Creative Financial Centre 2704 South Goyer Road Kokomo, IN 46902

Mission Statement
Our Mission is to provide unique and valuable investment services to all clients while honoring our Kingdom Values in guiding our work and lives.

www.creativefinancialdesigns.com
All services and fees associated with these services, are fully described in the firms Investment Management Brochure which is available upon request. Advisory Services are provided through Creative Financial Designs, Inc., Registered Investment Adviser. 2704 South Goyer Road, Kokomo, IN 46902 765.453.9600