The experience, knowledge and attention you need
The heart and the know-how to help you reach your retirement goals
We are a primarily fee-based advisory firm, and we’re not only obligated to act in your best interests, we wouldn’t have it any other way. We believe that trust is paramount, which we believe we need to earn. This results in greater client satisfaction and referrals.
We believe it is in your best interest to create a fiduciary relationship with your advisor first, so you can be sure that any advice you hear is objective & in your best interest.
We are independent, to reduce any potential conflicts of your best interest & to maximize your potential. With no sales quotas or sales managers telling us to promote products, we can simply focus on the needs of the client. It’s been said, “If you cast a wide net, you capture more fish!”. Independent advisors are not constrained or incentivized to offer proprietary investments and products, rather, fee based advisors are highly motivated to grow and protect your money as much as possible, therefore, with more options to choose from, this can help clients lower their costs, risks or capture more opportunities for the client.
Brad Hablutzel
President & CERTIFIED FINANCIAL PLANNER®
Brad Hablutzel is a Certified Financial Planner®, Certified Tax Specialist®, Certified Fund Specialist®, and Investment Advisor Representative. He has certifications in Social Security, Medicare and Alternative Investing. He earned a bachelor’s degree in Business Administration, a master’s degree in Business Administration, as well as Series 6, 7, 63 and 65 licenses, and is licensed in life, health, long-term care, and disability insurance. Brad has consulted over $1 billion in wealth in his 20-year career, the last 15 of which have specialized in serving the needs of people that are either retired, or within a few years of it. He takes an objective and meticulous approach to solving financial and insurance problems and he believes in excellent service—and that it’s always right to do the right thing. Brad prefers to get to know his clients deeply, so he may become their biggest advocate.
Native to Colorado, Brad enjoys his time with his wife and two boys, as well as traveling, golf, softball, boating in Wisconsin, volleyball, spending time with friends, and cheering on Colorado professional sports teams. He volunteers as treasurer of his church, treasurer of his HOA, and is active in his local chamber of commerce, Rotary International, and assists with graffiti removal projects in the community.
Recognitions
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Investment advisory services offered through CreativeOne Wealth, LLC a Registered Investment Adviser. CreativeOne Wealth, LLC and Mosaic Retirement Planning, LLC are unaffiliated entities.
Licensed Insurance Professional. We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Investing involves risk, including the loss of principal. No Investment strategy can guarantee a profit or protect against loss in a period of declining values. Any references to protection or lifetime income refer to fixed insurance products, never securities or investment products. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company. 19144 - 2019/8/15
The information is not intended to be investment, legal or tax advice. The agent can provide information, but not advice related to social security benefits. The agent may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. For more information, contact the Social Security Administration office, or visit www.ssa.gov.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
*This award was issued on October 1, 2022 by Five Star Professional (FSP) for the time period October 1, 2022 through September 30, 2023. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. Award winners may pay for marketing tools, including this advertisement. The award is based on 10 objective criteria. Eligibility criteria required: 1. Credentialed as a registered investment adviser or a registered investment adviser representative; 2. Actively licensed as a registered investment adviser or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager's future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients? assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. 2,132 Denver-area wealth managers were considered for the award; 235 (11% of candidates) were named 2022 Five Star Wealth Managers. 2021: 2,158 considered, 206 winners; 2020: 2,172 considered, 213 winners; 2019: 2,146 considered, 262 winners; 2018: 2,255 considered, 267 winners; 2017: 1,716 considered, 287 winners; 2016: 1,552 considered, 515 winners; 2015: 3,008 considered, 517 winners; 2014: 4,385 considered, 528 winners; 2013: 2,083 considered, 607 winners; 2012: 1,965 considered, 611 winners.