It's Your Retirement Account
Give It the Attention Your Future Deserves
Creative Financial Designs, Inc. (Creative) Self-Directed Management Platform manages your existing workplace retirement account, without the need to transfer your assets or start over. Your trusted financial adviser will help guide you based on your financial needs and goals. It is about taking a more active approach to one of your most important retirement assets, an account that may have been running on autopilot.
The Target vs. Reality
Financial experts often recommend saving 6x to 11x your annual salary by age 60, but most Americans fall drastically short of the estimated $1.46 million they say they need to retire comfortably1.
In the July 15, 2026 article from Financial Advisor, 31% of plan participants have no idea how their retirement assets are allocated.
And those who are aware park slightly more than a quarter of their savings in cash2.
Only 35% of non-retired people feel on track with their retirement savings.
Even though retirement is a top goal, two-thirds of Americans (65%) feel behind on their retirement savings—a scary feeling. But (spoiler for the next stat) almost half of American workers haven't even figured out how much they need to save for retirement3.
1. Review your goals
Our conversation will begin with discussing what matters most to you. In your review we will discuss your retirement timeline, financial priorities, income needs, and future goals to better understand what you are working toward.
2. Analyze your progress
Next, we will take a closer look at your current retirement account and investment strategy. From there, we will evaluate how your savings and investments align with your objectives, timeline and risk preferences to help you understand where you stand today.
3. Explore our expert recommendations
Based on your goals and current position, we will walk you through personalized recommendations and potential next steps. You will have an opportunity to explore your options and consider adjustments that may help keep your retirement strategy aligned with the future you are envisioning.
Why is Management of Your Account Important?
1-2% makes a significant difference over the long haul.
The graph illustrates how even a modest difference in annual return can lead to meaningfully different outcomes over a long investment horizon. Each return percentage begins at age 40 with $250k and grows for 25 years.
For illustrative purposes only. Assumes a consistent annual rate of return and does not reflect fees, taxes, market volatility, or the performance of any specific investment. Actual results will vary, and investing involves risk, including possible loss of principal.
Why This Matters
For many people, a retirement account becomes one of their largest retirement assets and one of the only major accounts they never actively direct. Once you enroll, the plan keeps running with whatever choices were made at the start. This means that no one is steering it toward where you actually want to end up.
The Self-Directed Management Platform exists so you and your financial adviser can take that wheel inside the plan you already have.
Ready to Invest in Your Future?
Explore how a more personalized investment approach can support you beyond today.