Business Description
Innovative Financial Incorporated was establish to help investors feel comfortable seeking help with their financial goals and to assist them in a knowledgeable, courteous, and professional manner while offering full service investment management emphasizing retirement and financial planning. The Client initialization process starts with a discovery meeting where I get to know your interests, needs and concerns. We also discuss your current financial standing. This information is used to determine if our firm will be able to meet your needs. It is my personal responsibility to assist clients in achieving the maximum income growth consistent with their safety and risk considerations. As you may know, receiving assistance from a financial professional involves the process of formulating, implementing and monitoring the appropriate plan as individuals and families transition through the ups and downs of everyday life. Innovative Financial Incorporated ensures that every aspect of our service is handled with the highest level of professionalism, competence, and integrity. Our team offers the diligence needed to execute every detail of our advising process effectively and efficiently. Our target clients are those people seeking a strong management philosophy to their needs and goals. It is our responsibility to accommodate these desires as we help shape their financial future.
General Information Gender:    Male CRD#:    4472464 Name of Broker/Dealer:    Commonwealth Financial Network States Licensed in:    Michigan LAH States Willing to do Business in:    AZ, CA, FL, IN, MD, MI, NY, OH, UT, WA Years of Experience in Financial Services:    14 Number of Years with Current Firm:    6 Work Experience:    C. Kellian International Owner and Partner, 1996 - 2006 Innovative Financial Incorporated Founder, Owner and Senior Partner 2006 ? Present Serving clients in the industry since 1996, I started my career in a larger financial planning firm but remained independent. Innovative Financial Incorporated was created to provide access to professional wealth management and financial planning services in a more centralized location. I work with the following types of clients:    Investment Clubs, Businesses, Individual Investors
Education Academic Background   Walsh College of Accountancy and Business Administration Bachelor of Business Administration - 1996 Concentration in Finance Attended Walsh College on an academic scholarship and graduated with honors.
Services Investment Types:    Bonds, Exchange Traded Funds (ETFs), Stocks, Annuities, Insurance, Mutual Funds, Socially Responsible Investments (SRI)
Qualifications & Memberships Securities Licenses:    Series 24, Series 7, Series 66 Insurance and Annuity Licenses:    Disability, Variable Life, Long Term Care, Variable Annuity, Accident, Life, Health, Annuity Non-Financial Organization Memberships:    Troy Chamber of Commerce
Firm Information Number of Advisors in Office:    Up to 10 employees Firm's Number of Clients:    300 Firm's Number of Managed Clients:    300 Advisor's Number of Clients:    300
Compliance Registered Representative:    Yes Investment Advisor Representative:    Yes Compliance Disclosures in Last 5 years:    I have a clean record Criminal Disclosures in Last 5 years:    I have a clean record
Compensation & Fees Fee Structure:    I am a fee-based financial professional Minimum Portfolio Size for New Managed Accounts:    $50,000.00 Compensation Methods:    Based on Assets, Hourly, Flat Fee Fee % Based on Assets:    01.00% Hourly Rate:    $175.00 Flat Fee Rate:    $3,500.00
Prepared By:	Christian Benard

Frequently Asked Questions

Q.	What are your qualifications? What is your education background?

Q.	What is your approach to financial planning?

Q.	What services do you offer?

Q.	How many clients do you currently manage?

Q.	How are you compensated? How will I pay for your services?

Q.	How much risk should I be willing to take?

Q.	Have you ever been charged with any breaches?

Q.	What services do you provide? What are your specialties?

Q.	What is your experience? How many clients do you currently manage?

Q.	What financial institution(s) do you represent?

Q.	How do you charge for your services?

Q.	Do you provide a free initial consultation?

Q.	What are your qualifications and experience?

Q.	What are your rates?

Q.	Why should I choose you for my tax needs?

Q.	What are your management fees?

Q.	What kind of plans do you specialize in?

Q.	Do you have a minimum requirement for number of employees or total investment value?

Q.	What type of plans do you offer?

Q.	What is your approach to Education Planning?

Q.	What financial institutions do you represent?

Q.	What are your fees for this service?

Q.	What are your qualifications?

Q.	How long does the process of rolling over a 401K plan usually take?

Q.	What financial institutions do you represent?

Q.	How many years of experience do you have?

Q.	What are your fees for this service?

Q.	How many 401K rollover clients do you currently manage?

Q.	Why should I roll over my 401K plan to your firm?

Q.	Do you provide a free initial consultation?

---

Q.	What are your qualifications? What is your education background?
Series 7, Series 66 and Series 24 Michigan Life, Accident & Health Insurance License Walsh College of Accountancy and Business Administration Bachelor of Business Administration - 1996 Concentration in Finance Attended Walsh College on an academic scholarship and graduated with honors.

Q.	What is your approach to financial planning?
The Client initialization process starts with a discovery meeting where I get to know your interests, needs and concerns. We also discuss your current financial standing. This information is used to determine if our firm will be able to meet your needs. It is my personal responsibility to assist clients in achieving the maximum income growth consistent with their safety and risk considerations.

Q.	What services do you offer?
Online account access to your brokerage accounts at www.in-financial.com Popular "no-load" investments Regularly scheduled appointments. Stocks and Bonds, Mutual Funds, Traditional/Rollover IRA, Roth IRA, SEP IRA, SIMPLE IRA, Education Savings Fixed Annuities, Variable Annuities, Term Life Insurance, Permanent Life Insurance Long-Term Care Insurance

Q.	How many clients do you currently manage?
300

Q.	How are you compensated? How will I pay for your services?
With the client's best interest in mind an overwhelming majority of our business is performed on a fee based basis. Fee based compensation is based on performance, not activities.

Q.	How much risk should I be willing to take?
It is my personal responsibility to assist clients in achieving the maximum income growth consistent with their safety and risk considerations. Prior to making recommendations clients will complete our Client Intake Form to properly measure their level of risk tolerance.

Q.	Have you ever been charged with any breaches?
No, I have never been charged with any breaches.

Q.	What services do you provide? What are your specialties?
Innovative Financial Incorporated was establish to help investors feel comfortable seeking help with their financial goals and to assist them in a knowledgeable, courteous, and professional manner while offering full service investment management emphasizing retirement and financial planning.

Q.	What is your experience? How many clients do you currently manage?
Serving clients in the industry since 1996, I started my career in a larger financial planning firm but remained independent. Innovative Financial Incorporated was created to provide access to professional wealth management and financial planning services in a more centralized location. At this time I have three hundred managed clients.

Q.	What financial institution(s) do you represent?
We typically like to direct clients to their home state for potential tax benefits and more advantageous cost/fee structure.

Q.	How do you charge for your services?
With the client's best interest in mind an overwhelming majority of our business is performed on a fee based basis. Fee based compensation is based on performance, not activities.

Q.	Do you provide a free initial consultation?
Our initial consultation is complimentary.

Q.	What are your qualifications and experience?
I have completed Part I of the Enrolled Agent exam with Part II and Part III to be completed in 2010.

Q.	What are your rates?
Current Clients: $69.00 Short Form $119.00 Long Form New Clients: $84.00 Short Form $159.00 Long Form

Q.	Why should I choose you for my tax needs?
We find that having a strong grasp on a clients tax issues allows us to do a better job analyzing, assessing, and making recommendations on your financial issues.

Q.	What are your management fees?
1% or a flat management fee

Q.	What kind of plans do you specialize in?
401k and small employer retirement plans.

Q.	Do you have a minimum requirement for number of employees or total investment value?
No.

Q.	What type of plans do you offer?
Traditional, safe harbor and individual 401k(s) as well as SEP and Simple IRAs.

Q.	What is your approach to Education Planning?
We have a unique and conservative approach to educational funding. We always tell our clients, "no price, no value." We appreciate the client giving someone an opportunity with educational planning to the extent that it doesn't interfere with their financial and retirement savings. We like to see the recipients of educational funding paying a portion themselves.

Q.	What financial institutions do you represent?
We typically like to direct clients to their home state's educational plans for potential tax benefits and a more advantageous cost/fee structure.

Q.	What are your fees for this service?
In most instances we provide this complimentary when handling other services for our clients.

Q.	What are your qualifications?
As the cornerstone of our firm's foundation, retirement planning, we provide advice, counseling and processing of several rollovers per year.

Q.	How long does the process of rolling over a 401K plan usually take?
Once the decision is made to rollover a plan, typically two meetings are needed. One meeting to discuss the rollover process and complete rollover forms and IRA paperwork. The second meeting would be to discuss the processing of the check and a strategic and philosophical approach to the investment of the money.

Q.	What financial institutions do you represent?
As we are an independent firm we use what products we feel will be best for our clients.

Q.	How many years of experience do you have?
15

Q.	What are your fees for this service?
1%

Q.	How many 401K rollover clients do you currently manage?
250

Q.	Why should I roll over my 401K plan to your firm?
Financial planning with a concentration in retirement planning is our specialty. We have a deep and thorough understanding of rollovers and the processes that are needed to accomplish them easily and correctly.

Q.	Do you provide a free initial consultation?
Our initial consultation is complimentary.