Bart Gadlage

Creative Financial Group's (GFG) investment selection process begins with a broad-based analysis of the general economy that focuses on a projection of interest rates and an analysis of corporate profits. This allows the firm to calculate statistically the expected values and total historical rates of return for specific investment sectors. CFG then overlays the financial goals and risk tolerance of each client to develop the appropriate allocation of assets. The firm primarily utilizes no-load mutual funds or ETFs. Their research identifies money managers that have exhibited superior investment results on a risk-adjusted basis. CFG modifies clients' asset allocations as the economy changes or as clients' investment goals change. CFG also has the ability to utilize individual stocks and bonds.

Functions as a College/University

SSI-IM uses both internal and external resources as part of the due diligence process. They implement a due diligence process to review various facets of the manager’s business such as investment style, performance, portfolio management, trading and operations and compliance.