Who is Tide Creek? Tide Creek Financial Group is a collection of financial advisors and planners with varying specialties and backgrounds, united by a common mission: to provide a better, more complete financial services experience to the clients we serve. We believe good financial decisions extend beyond where and how to invest your dollars, and that clients can achieve better outcomes when they view their finances through a broader lens and take actions that are aligned with their personal goals. Headquartered in Maryland, we serve clients across the country, providing ongoing advice, guidance and coaching that is centered around the many financial decisions people are and will be faced with throughout their lifetimes. What is your firm’s philosophy? We believe that the key to achieving your financial and life goals is having a personal financial plan, keeping that plan current, and using that plan -and planner- to guide your financial behaviors.We believe that a plan without action is meaningless but an action without a plan can be reckless. Thus, the best way for us to help our clients is to first provide them with an accurate, meaningful analysis that reflects their unique goals and values, then guide them through the process of using that plan to make their financial decisions. Only then do we know how and when to deploy financial products and strategies. This process allows you to make informed financial decisions in a deliberate and impactful way, ultimately helping you get from where you are today to where you want to be tomorrow. We believe that there is no quick-fix or silver bullets. Rather, goals are achieved when you combine sound strategies with good behaviors and time. That’s not to say clients don’t experience immediate positive impacts because of our work together, many do; however, we view our work together as a journey rather than an event and enter a new relationship with the intent that it will be for the long haul. Is financial planning right for me? Financial planning isn’t for everyone, but it does benefit most people. If you are a true do-it-yourself person who possess both the financial IQ and emotional discipline to manage your own budget, investments and decision-making, financial planning might not be necessary for you (though there might still be some benefits).However, if you are like most people who don’t have the time or interest to research financial topics and integrate those topics on your own – and you would like to accelerate your financial success – having a financial planner/coach come along with you through this process can be quite beneficial.Above all, a financial planning relationship with Tide Creek is for those looking to get financially-organized, create and implement a sensible strategy, then maintain an on-going relationship to ensure their products and strategies continue to meet their needs and are followed. What does your firm charge for financial planning? We charge an annual fee, based on the complexity of your situation. Prior to entering into a financial planning arrangement with our firm, you will be quoted your fee. What other products and services do you provide and how are you paid for those services? Yes, we get paid for our work with you. We are compensated in a variety of ways, depending on the products and services you choose to purchase from us. The three ways we earn income are as follows:Fee for planning services and advice **Fee for investment advisory services/asset management**Commissions for the sale of financial productsThe sources listed above are not mutually-exclusive and many of our clients engage us for multiple services, resulting in multiple compensation arrangements. It's important to note that the recommendations within the financial plans that we create are not exclusive to our firm and that clients who engage us in a financial planning relationship are under absolutely no obligation to purchase financial products from us or hire us to manage their investments as a result of our planning engagement. Having said that, financial planning is about generating better outcomes, not just better outputs and the correct application of the right product, in the right way, at the right time, is an essential step in the long-term process of achieving those desired outcomes. Clients often ask if our products and services are limited to Mass Mutual and their affiliates and the answer is a no. While Mass Mutual offers some of the best products in the marketplace, we have the freedom and flexibility to access multiple insurance carriers and investment managers, insuring that the plan you implement is the plan that’s right for you. **Prior to engaging in fee-based financial planning and/or CRIA/asset management services, please view the following disclosures What is your investment philosophy? We simply do not believe than anyone can predict the future, and, therefore, no one can consistently “beat the market.” There is a significant amount of independent research that supports this position.Instead of trying to beat the market or keep pace with an arbitrary index, we believe that by matching your investment strategies to your plan requirements, staying widely diversified, and limiting investment changes based on media, rumors and co-worker predictions, you can benefit from the long-term earning power of the markets.We also believe it is critically important to have the right asset allocation and location; that is, a diversified portfolio of investments in equities, fixed-income instruments, cash and (when appropriate) insurance products.Finally, we believe it is essential to stick to your plan and asset allocation, even when it may be unpleasant.