Services and Solutions

OUR COMMITMENT TO YOU

We value long-term client relationships, and we welcome the challenge of meeting your changing needs. In a world where change is constant, you can count on us to meet your planning, insurance and investment needs now and in the years ahead.
 
Creative Financial Group of NJ offers a full range of financial products and services to help build and secure your financial future.
 
ADVANCED PLANNING
 
Business and Succession Planning
  • For many business owners, achieving personal financial freedom depends on perpetuating a business and converting its value into financial assets. Our advanced sales team and case designers suggest programs that can meet multiple objectives.
 
Estate Conservation and Charitable Giving
  • Changes in estate tax have the potential to create massive uncertainty. Without coordinated planning, the largest estates continue to face potential estate tax impact. In conjunction with your tax and legal advisors, out team can help you prepare for potential estate tax impact, charitable giving programs and asset transfer structures. 
 
Special Needs Planning
  • Planning for dependents with special needs can be complex, and every plan is unique to the family. This type of planning requires experience, knowledge, and access to resources. Trained Special Needs Planners via the MetLife Center for Special Needs Planning can identify and coordinate a team of advisors and advocates, including: qualified attorneys, non-profit organizations, and service providers.
 
PERSONAL NEEDS
 
Family Protection
  • Life Insurance
  • Disability Income Insurance
  • Long-Term Care Insurance
 
Wealth Accumulation Strategies
  • Separately Managed Accounts (SMA)
  • Mutual Funds
  • Asset Allocation Research & Analysis
  • Annuities
  • Education Funding Strategies
  • Retirement Needs
 
Retirement Accounts
  • Rollover IRA
  • SEP-IRA
  • Roth-IRA
  • Simple IRA
  • Profit Sharing Plans
  • 401(k)/403(b) Plans
 
 BUSINESS NEEDS
 
Executive Benefit Plans
  • Deferred Compensation
  • Individual Disability Income Insurance
  • Split Dollar / Bonus Plans
  • 401(k)
  • Selective Executive Retirement Plans
  • Supplemental Executive
  • Corporate – Owned Life Insurance
 
Business Continuation
  • Business Overhead Insurance
  • Disability Buyout
  • Buy-sell Arrangements Funding
  • Section 303 Stock Redemption
  • Key Employee Insurance
 
Tax-Qualified Retirement Plans
  • 401(k)
  • Profit Sharing
  • Money Purchase
  • Age Weighted
  • Defined Benefit
  • Simplified Employee Pensions (SEPs)
  • Simple IRA
 
Employee Benefits Products
  • Managed Care Medial Benefits
  • Dental Benefits
  • Vision Care Benefits
  • Flexible Benefit Account
  • Group Life Insurance
  • Short-term & Long-term Disability Income Insurance
  • Long-Term Care Insurance