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TAMPs, and clients may pay TAMP, fund, custodian, or transaction costs outside the membership fee.",{"type":18,"attrs":1791,"content":1792},{"textAlign":34},[1793],{"text":1794,"type":22},"Pros of Creative Planning:",{"type":985,"content":1796},[1797,1808,1819],{"type":988,"content":1798},[1799],{"type":18,"attrs":1800,"content":1801},{"textAlign":34},[1802,1806],{"text":1803,"type":22,"marks":1804},"Simple, Transparent Fee Structure:",[1805],{"type":38},{"text":1807,"type":22}," Creative Planning uses a tiered AUM fee schedule, starting at 1.20% on the first $500,000 and declining to 0.25% for assets over $100 million.",{"type":988,"content":1809},[1810],{"type":18,"attrs":1811,"content":1812},{"textAlign":34},[1813,1817],{"text":1814,"type":22,"marks":1815},"Planning-led model:",[1816],{"type":38},{"text":1818,"type":22}," Financial planning, portfolio strategy, tax considerations, estate planning, and risk management are coordinated through the wealth management relationship.",{"type":988,"content":1820},[1821],{"type":18,"attrs":1822,"content":1823},{"textAlign":34},[1824,1828],{"text":1825,"type":22,"marks":1826},"Customization options:",[1827],{"type":38},{"text":1829,"type":22}," Clients can impose reasonable restrictions, and the firm can address special situations such as low-basis stock, stock options, legacy holdings, and tax issues.",{"type":18,"attrs":1831,"content":1832},{"textAlign":34},[1833],{"text":1834,"type":22},"Cons of Creative Planning:",{"type":985,"content":1836},[1837,1848,1859],{"type":988,"content":1838},[1839],{"type":18,"attrs":1840,"content":1841},{"textAlign":34},[1842,1846],{"text":1843,"type":22,"marks":1844},"Asset-based cost:",[1845],{"type":38},{"text":1847,"type":22}," Fees rise with managed assets under the standard schedule.",{"type":988,"content":1849},[1850],{"type":18,"attrs":1851,"content":1852},{"textAlign":34},[1853,1857],{"text":1854,"type":22,"marks":1855},"Minimum relationship threshold:",[1856],{"type":38},{"text":1858,"type":22}," Creative Planning generally requires $200,000 in assets under management, positioning the service primarily toward higher-asset or higher-income clients.",{"type":988,"content":1860},[1861],{"type":18,"attrs":1862,"content":1863},{"textAlign":34},[1864,1868],{"text":1865,"type":22,"marks":1866},"Additional cost layers may apply:",[1867],{"type":38},{"text":1869,"type":22}," Clients may pay separate fund, custodian, sub-adviser, private investment, legal, or tax-related costs where applicable.",{"type":764,"attrs":1871,"content":1872},{"level":766,"textAlign":34},[1873],{"text":1874,"type":22,"marks":1875},"Range vs. Creative Planning: Technology and security",[1876],{"type":38},{"type":18,"attrs":1878,"content":1879},{"textAlign":34},[1880],{"text":1881,"type":22},"Range’s technology is centered on its dashboard. It lists advisor messaging through the Range dashboard, financial plans, goal tracking and prioritization, membership accounts for the user and partner, and consolidated finances in the dashboard.",{"type":18,"attrs":1883,"content":1884},{"textAlign":34},[1885],{"text":1886,"type":22},"Creative Planning discloses client login access to wealth management accounts and states that the Creative Planning app is available for mobile use.",{"type":18,"attrs":1888,"content":1889},{"textAlign":34},[1890],{"text":1891,"type":22},"On security, Range discloses two-factor authentication, AES-256 encryption, encryption at rest and TLS encryption in transit. Range Advisory is an SEC-registered investment adviser. Range’s ADV states that it does not maintain custody of client funds or securities.",{"type":18,"attrs":1893,"content":1894},{"textAlign":34},[1895],{"text":1896,"type":22},"Creative Planning states that client assets are held with qualified custodians, including Schwab and Fidelity. For custody beyond fee deductions, it engages an independent public accounting firm to conduct an annual surprise verification examination. The firm also uses information security practices, policies, rules, and technical measures to protect personal information.",{"type":764,"attrs":1898,"content":1899},{"level":766,"textAlign":34},[1900],{"text":1901,"type":22,"marks":1902},"Final verdict: Range vs. Creative Planning",[1903],{"type":38},{"type":18,"attrs":1905,"content":1906},{"textAlign":34},[1907],{"text":1908,"type":22},"Range and Creative Planning both provide financial advisory services, but they structure client relationships differently.",{"type":18,"attrs":1910,"content":1911},{"textAlign":34},[1912],{"text":1913,"type":22},"Range may be suitable for investors who want:",{"type":985,"content":1915},[1916,1923,1930],{"type":988,"content":1917},[1918],{"type":18,"attrs":1919,"content":1920},{"textAlign":34},[1921],{"text":1922,"type":22},"A flat annual membership fee and no asset minimum",{"type":988,"content":1924},[1925],{"type":18,"attrs":1926,"content":1927},{"textAlign":34},[1928],{"text":1929,"type":22},"Digital tools for account aggregation, projections, planning, and advisor communication",{"type":988,"content":1931},[1932],{"type":18,"attrs":1933,"content":1934},{"textAlign":34},[1935],{"text":1936,"type":22},"Planning across taxes, equity compensation, retirement, real estate, estate planning, and cash flow",{"type":18,"attrs":1938,"content":1939},{"textAlign":34},[1940],{"text":1941,"type":22},"Creative Planning may be suitable for investors who want:",{"type":985,"content":1943},[1944,1951,1958],{"type":988,"content":1945},[1946],{"type":18,"attrs":1947,"content":1948},{"textAlign":34},[1949],{"text":1950,"type":22},"Ongoing advisor-led portfolio management under a tiered asset-based fee schedule",{"type":988,"content":1952},[1953],{"type":18,"attrs":1954,"content":1955},{"textAlign":34},[1956],{"text":1957,"type":22},"A dedicated advisor supported by internal planning specialists",{"type":988,"content":1959},[1960],{"type":18,"attrs":1961,"content":1962},{"textAlign":34},[1963],{"text":1964,"type":22},"Private wealth management that coordinates investments, tax considerations, estate planning, retirement planning, and risk management",{"type":764,"attrs":1966,"content":1967},{"level":766,"textAlign":34},[1968],{"text":1969,"type":22,"marks":1970},"Get expert financial advice",[1971],{"type":38},{"type":18,"attrs":1973,"content":1974},{"textAlign":34},[1975,1977,1983],{"text":1976,"type":22},"If you're seeking professional financial advice, Unbiased can ",{"text":1978,"type":22,"marks":1979},"match you with a financial advisor",[1980],{"type":31,"attrs":1981},{"href":1982,"uuid":34,"anchor":34,"target":34,"linktype":36},"https://v2.unbiased.com/inquiry/financial-advisor/primary-areas",{"text":1984,"type":22}," who will help you manage your money and maximize your 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Review",{"_uid":2035,"href":2036,"text":2037,"component":542,"openInNewWindow":543},"f0956642-932b-4417-a641-c90943bc9b5f","https://www.unbiased.com/discover/financial-advice/creative-planning-vs-fisher-investments","Creative Planning vs Fisher Investments","Related to this article","app-links-list",{"title":2041,"plugin":2042,"og_image":12,"og_title":12,"description":2043,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"Range vs. Creative Planning review ","seo_metatags","This Range vs. Creative Planning review compares advisor models, fee structures, account minimums, planning services, technology, and client fit to help investors choose a suitable financial advisor.",{"name":2045,"created_at":2046,"published_at":2047,"updated_at":2048,"id":2049,"uuid":2050,"content":2051,"slug":2059,"full_slug":2060,"sort_by_date":34,"position":2016,"tag_list":2061,"is_startpage":543,"parent_id":2018,"meta_data":34,"group_id":2062,"first_published_at":2020,"release_id":34,"lang":730,"path":34,"alternates":2063,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":2052,"_uid":2007,"name":2045,"image":2053,"component":2012,"education":2056,"expertise":2057,"description":2058},"Senior Content Writer",{"id":2054,"alt":12,"name":12,"focus":12,"title":12,"filename":2055,"copyright":12,"fieldtype":1991,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",[],"024abff2-15a6-4099-8ba2-25c01abe42e8",[],"app-article","2026-05-31",[],[],"This Range vs. Creative Planning review compares their financial advisor services, fees, minimums, key services, and advisor models.",[],"range-vs-creative-planning","discover/financial-advice/range-vs-creative-planning",-6530,[],365590167,"e99b1dd3-4643-4110-a98d-eee781fe63d4","2026-05-28T17:41:45.077Z",[],{"left":727,"top":727,"width":2079,"height":2079,"rotate":727,"vFlip":543,"hFlip":543,"body":2080},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[2082,2085,2086],{"title":2083,"exact":558,"href":2084},"Home","https://www.unbiased.com",{"title":58,"exact":558,"to":72,"disabled":543},{"title":750,"exact":558,"to":2087,"disabled":558},"/discover/financial-advice/range-vs-creative-planning",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":2089},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1781171150243]