FOUNDER & CEO, CREATIVE CAPITAL WEALTH MANAGEMENT GROUP

You Don't Need a Better Advisor.

You Need One Belief That Changes Everything You Do With Money.

Most firms sell you a return. We build people one blueprint they stop having to guess about — because money was never really about money.
Meet Our Founder
Book Your Milestone Assessment
— No pressure / No obligation / No assets required
FOUNDER & CEO, CREATIVE CAPITAL WEALTH MANAGEMENT GROUP

You Don't Need a Better Advisor.

You Need One Belief That Changes Everything You Do With Money.

Most firms sell you a return. We build people one blueprint they stop having to guess about — because money was never really about money.
Meet Our Founder
Book Your Milestone Assessment
— No pressure / No obligation / No assets required
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“Money is never really about money. It's about the people you want to take care of, and the life you'd like them to have.” - Fred

CEO & Chief Wealth Strategist

Our Founder, Fred Hubler

From building a financial powerhouse to sharing his expertise, Fred's journey is one of innovation and service.

Fred is a A 25-year veteran: With experience in both finance and technology, Fred founded Creative Capital, a wealth management firm spanning 25+ states. Their unique retainer-based model and access to accredited investments set them apart. He focuses on guiding others, not only leading his own firm, Fred also coaches financial advisors through his Retainer Based Academy.

Fred is also known for sharing his insights: A sought-after expert, Fred provides economic and stock market commentary, appearing in The Wall Street Journal, US News & World Report, and even contributing to Forbes.com.

As a key component to the values of CCWMG, Fred is a leader who gives back: Beyond finance, Fred is passionate about his community. He has held leadership positions in various organizations, advocating for causes close to his heart.

And of course, Fred’s family and personal passions are key priorities. He is married to Elizabeth and a father of twins, James and Abigail. Fred enjoys technology, cigars, cheering on the Eagles, and has a love of cars.

It Works for Families Like Yours

Results, not adjectives.

$14M+

1031 / DST Optimization

A single client tax deferral and income strategy, executed end-to-end.

35+

States Served

Accredited families across the country working with us on a retainer.

200+

MCP Engagements

Milestone Clarification Processes delivered with measurable impact.

Forbes

Contributor & Recognition

Forbes Contributor & 2023 Outstanding Citizen of the Year, Phoenixville.

Figures reflect firm experience to date and are not a guarantee or predictor of any individual result.
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What We Do

Wealth Management,
Whole and in Plain English.

Your wealth doesn't exist in one account or one investment strategy. The answer may be hiding across several different areas of your financial life.

Retainer-Based Planning

A flat annual fee for ongoing advice and coordination. Your accounts stay where they are.

LEARN MORE

Alternative Investments

Private credit, private equity, income strategies and more — the CCHEM™ household endowment approach.

LEARN MORE

Tax Mitigation

Look at what the next five to ten years of taxes will cost you, and what can be done about it now.

LEARN MORE

1031 / DST Real Estate

Defer capital gains and trade the landlord role for passive, professionally managed income.

LEARN MORE

Estate & Legacy

Our Household Endowment Model represents a forward-thinking approach to wealth management.

LEARN MORE

Wealth Blueprint

Build your financial plan with The Milestone Clarification Process™.

LEARN MORE
Start with the Free Check

What We Do

Wealth Management,
Whole and in Plain English.

Your wealth doesn't exist in one account or one investment strategy. The answer may be hiding across several different areas of your financial life.
Your wealth doesn't exist in one account or one investment strategy. The answer may be hiding across several different areas of your financial life.

Retainer-Based Planning

A flat annual fee for ongoing advice and coordination. Your accounts stay where they are.

LEARN MORE

Alternative Investments

Private credit, private equity, income strategies and more — the CCHEM™ household endowment approach.

LEARN MORE

Tax Mitigation

Look at what the next five to ten years of taxes will cost you, and what can be done about it now.

LEARN MORE

1031 / DST Real Estate

Defer capital gains and trade the landlord role for passive, professionally managed income.

LEARN MORE

Estate & Legacy

Our Household Endowment Model represents a forward-thinking approach to wealth management.

LEARN MORE

Wealth Blueprint

The Milestone Clarification Process™ is a financial plan built for living life the way you desire. Learn more 

Start with the Free Check

Most families are unknowingly leaving millions on the table.

In taxes. In missed opportunities. In decisions nobody ever connected to each other. True abundance isn’t an allocation problem.

Legacy takes more than a well-built portfolio. It takes a real assessment of your milestones, your values, your tax position and — the part almost everyone skips — your beliefs about money, risk and what you deserve.

When those beliefs line up with a contrarian, data-driven Household Endowment strategy — alternatives, DSTs, private credit, pre-IPO — the next step stops being a debate. It becomes obvious, and then it becomes inevitable.

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Why Families Come to Us

One Firm Looking After All of It

Most households have an advisor for investments, an accountant for taxes and an attorney for documents — and no one whose job is the whole picture. Creative Capital is that person. We coordinate every moving part of your financial life, we’re paid a flat fee by you, and we bring you strategies most portfolios never touch.

Paid only by you

Flat retainer engagements. No commissions, no product sales, no assets required to work together.

Access most people never see

Endowment-style strategies and alternative investments usually reserved for institutions.

One team, the whole picture

Taxes, investments, real estate, business interests and legacy looked at together — not in pieces.

A family firm, not an institution

Small on purpose. We know your children's names and we answer the phone ourselves.

Most families are unknowingly leaving millions on the table.

In taxes. In missed opportunities. In decisions nobody ever connected to each other. True abundance isn’t an allocation problem.

Legacy takes more than a well-built portfolio. It takes a real assessment of your milestones, your values, your tax position and — the part almost everyone skips — your beliefs about money, risk and what you deserve.

When those beliefs line up with a contrarian, data-driven Household Endowment strategy — alternatives, DSTs, private credit, pre-IPO — the next step stops being a debate. It becomes obvious, and then it becomes inevitable.

Image

Why Families Come to Us

One Firm Looking After All of It

Most households have an advisor for investments, an accountant for taxes and an attorney for documents — and no one whose job is the whole picture. Creative Capital is that person. We coordinate every moving part of your financial life, we’re paid a flat fee by you, and we bring you strategies most portfolios never touch.

Paid only by you

Flat retainer engagements. No commissions, no product sales, no assets required to work together.

Access most people never see

Endowment-style strategies and alternative investments usually reserved for institutions.

One team, the whole picture

Taxes, investments, real estate, business interests and legacy looked at together — not in pieces.

A family firm, not an institution

Small on purpose. We know your children's names and we answer the phone ourselves.

The beliefs that built your wealth may be the ones now capping it.

Nobody arrives at $5 million by accident. You arrived with a set of instincts about risk, spending, debt and deserving — and they worked.

The question is whether they still fit. The caution that protected you at 35 can keep eight figures sitting in cash at 60. The discipline that built the business can make it impossible to ever sell it. The quiet belief that this much was never really meant for you can stop a legacy before anyone has drafted a document.

We surface these plainly, without theatrics, and work through the ones standing in the way. It is the least technical part of the assessment and, for most families, the one that changes the most.

— What money was supposed to mean in the house you grew up in
— What you believe you’re allowed to spend, give and enjoy
— Where risk feels dangerous versus where it actually is
— What you privately think you deserve to have built

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Complex wealth should be managed to last.

Check My Wealth Health
What We Do

Beneath the Surface

The Biggest Threats to Wealth Aren't Always Dramatic.

Wealth is rarely lost in a single bad decision. More often it erodes gradually, in amounts small enough to be invisible year to year.

─ A little too much paid in taxes.
─ Risk that isn't producing enough additional return to justify it.
─ Capital that could be working more effectively.
─ Strategies that haven't evolved as your wealth has grown.
─ Opportunities that were never considered.

Over five, ten or twenty years, they can matter enormously.

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The 2-Minute Wealth Health Check™

The First Step is Knowing Where to Look

Answer nine questions to check for warning signs that may deserve a closer look. This is a first step, not a comprehensive financial assessment — its purpose is to show you where to look.

100% Confidential

Your responses are private and will never be displayed publicly.

No Financial Documents Required

No account statements, tax returns, balances or sensitive information.

Just 9 Questions. About 3 Minutes.

A quick look at the areas of your financial life worth exploring further.

Your Alternative for Alternative Investments®

Independent, and Not Paid to Move Your Accounts.

No products to push. No accounts to move. Just people who know your family.

Creative Capital Wealth Management Group is an independent wealth management firm serving high-net-worth retirees and entrepreneurs — with no assets required to work together. Depending on the engagement, we're compensated through a flat fee, a retainer, or a fee-based account, but never through pushing you to move assets.

Because our advice isn't contingent on moving your accounts, an honest conversation — and an objective diagnostic — is possible from day one.

wealth management news in kiplinger
Image
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wealth management news
Image
financial advisor story
Image
financial advice in wall street journal

Your Alternative for Alternative Investments®

Independent, and Not Paid to Move Your Accounts.

No products to push. No accounts to move. Just people who know your family.

Creative Capital Wealth Management Group is an independent wealth management firm serving high-net-worth retirees and entrepreneurs — with no assets required to work together. Depending on the engagement, we're compensated through a flat fee, a retainer, or a fee-based account, but never through pushing you to move assets.

Because our advice isn't contingent on moving your accounts, an honest conversation — and an objective diagnostic — is possible from day one.

A Question Worth Asking

Are You Accredited? Most People Never Find Out.

There’s a federal designation called accredited investor. It decides, largely on net worth, which investments and strategies you’re even allowed to see — regardless of how hard you’ve worked or how well you understand money.

A great many families qualify and have simply never been told. If you do, an entire category of income and growth strategies opens up. If you don’t yet, there are usually steps that get you there.

Start with the Free Check
See the Alternatives

Generally Speaking, You May Qualify If

Your net worth exceeds $1 million, excluding your primary residence.

Your income has exceeded $190,000 individually — or $300,000 with a spouse — for the past two years.

You hold certain professional licenses or credentials.

You invest through an entity or trust that meets the thresholds.

General information only. Accreditation is determined case-by-case under SEC rules.

Questions

    Frequently Asked.

    Questions

      Frequently Asked.

      You’ve Built Too Much to Simply Assume Everything Is Working.

      Start with two minutes and nine questions. No documents, no obligation,
      completely confidential — and you’ll know exactly where a closer look is warranted.

      Check My Wealth Health
      Talk to Someone