The Whole Picture
A Complete Financial Picture
Never Leaves Money on the Table
A one-time, flat-fee examination of everything.
You hand over the paperwork you already have. We spend a few weeks reading it the way a second opinion should be read — line by line, across taxes, investments, real estate, business interests, insurance and estate documents. Then we sit down with you and walk through what we found, in the order of what it is likely costing you.
You leave with a written report you own. Nothing is sold to you during it, and nothing has to happen after it.
Clarity, not overwhelm
Empower your beliefs
Tax Efficient Roadmap
Confidence to Take Action
Milestone Process at a Glance
Everything you own, owe, earn and owe tax on — done before anyone recommends a single thing.
Cost | $3,500 flat. Nothing else billed.
Length| Roughly four to six weeks, start to report.
Your time | Two conversations, about 90 minutes total.
Minimum assets | None. No accounts move, no custodian changes.
Deliverable | The Household Wealth & Tax Opportunity Report.
Who does the work | Creative Capital's own advisors.
Commissions | None. No products are sold as part of MAP.
After it ends | You decide. If you continue, the $3,500 is credited.
CEO & Chief Wealth Strategist
About Fred Hubler
From building a financial powerhouse to sharing his expertise, Frederick's (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, Frederick 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, Frederick enjoys technology, cigars, cheering on the Eagles, and has a love of cars.
"I didn't come from money."
I watched my mom and dad work hard for everything we had. Even then, I remember thinking the wealthy weren't smarter than my parents — they just knew something my parents didn't.
I've now spent more than two decades in high-end wealth management. I can tell you: I was right.
There's a government program called accreditation. Most people have never heard of it. It decides, based on your 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.
I built Creative Capital to change that — to give more people real access to the strategies, ideas, and products that used to be reserved for a very small room.
The team that got you here probably won't get you there. I built this firm to be the team that does.
— Fred Hubler, Founder
