I grew up about 30 miles southwest of St Louis, Mo. After high school, I went to IIT on an NROTC scholarship. After graduation in 1971, I went to flight school in Pensacola, FL. After flight training, I was designated as a Naval Flight Officer,and served with the World Famous Hurricane Hunters, had two tours of duty with anti-submarine squadrons, went to graduate school, served 2 tours of duty as an executive officer, and was the director of a Navy/Marine Corps school, before retiring in June of 1991. We moved to Schaumburg, IL, and I began my career in the financial services industry. I work with individuals and privately held companies, assisting them with their insurance and investment needs. I establish mutually beneficial long term relationships with my clients. I have 3 advanced designations.
I help you with your investment and insurance needs. I am an independent; I don't have any products or services that I have to sell. I don't charge for my time, or any of the reports that I do for you. Your agenda is my agenda. I look at my business as a relationship business, so I try to establish a mutually beneficial relationship with you so that we can work together through the years and make sure that your plans keep up with the changes in your life. I have been in the business for over 30 years and have 3 advanced designations in the industry, Charter Life Underwriter (CLU), Chartered Financial Consultant (ChFC) and Qualified Kingdom Advisor (QKA).
Valeriya (Val) Petrova
Account Executive
Val is originally from Bulgaria, and has lived in the
United States for 15 years. She is married with 2
children. She recently Completed her MBA. She does a lot
of volunteer work.
General Information |
| Firm Start Year: | 1991 | |
| No. of Employees: | 2-4 | |
| Insurance License#: | 1984994 |
| Name of Broker/Dealer: | Gradient Advisors, LLC |
| Name of Custodial Firm: | Gradient Advisors, LLC |
| States Licensed in: | IL, WI, FL, |
| Number of Years with Current Firm: | 6 |
| Work Experience: | I was in the US Navy for 20 years. I have been in the financial services industry since 1991. Financial Group. |
| Work with the following types of clients: | Non-Profit Organizations, Individual Investors, Businesses, Investment Clubs |
| Advisory Services Provided: | Financial Advice & Consulting, Investment Advice & Management, Financial Planning for Individuals, Wealth Management, 401K Rollovers, Retirement Planning, Portfolio Management, Financial Planning, Insurance Products & Annuities |
Services |
| Investment Types: | Insurance, Annuities, Stocks, Bonds, Alternative Investments, Exchange Traded Funds (ETFs), Mutual Funds, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Our Office, Your Home, Email, Your Office, Video Conference, Phone |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Disability, Annuity, Health, Life, Long Term Care |
| Financial Organization Memberships: | Kingdom Advisors |
Firm Information |
| Firm's Number of Clients: | 50 |
| Firm's Number of Planning Clients: | 0 |
| Firm's Number of Managed Clients: | 75 |
| Assets Managed by Firm: | $3,000,000 |
| Advisor's Number of Clients: | 50 |
| Advisor's Number of Managed Clients: | 50 |
| Advisor's Number of Planning Clients: | 0 |
| Assets Managed by Advisor: | $5,000,000 |
Compensation and Fees |
| Fee Structure: | Fee-Based |
| Minimum Portfolio Size for New Managed Accounts: | $50,000 |
| Compensation Methods: | Flat Fee |
| Fee % Based on Assets: | 1% |
| Hourly Rate: | 0 |
| Flat Fee Rate: | $750 |
| Additional Details on Charges: | I assist clients with fee-based accounts. |
| Minimum Fee Charged for Managed Accounts: | 1% |
| Minimum Fee Charged for Hourly Planning Accounts: | No charge |
Board Positions |
| Organization : | Northwest Suburban Estate Planning Council, Arlington Heights, IL |
| Position : | Member, President |
| Duration : | January 1998-December 2003 |
| Organization : | Leukemia and Lymphoma Society, Chicago, IL |
| Position : | Member |
| Duration : | January 2003-December 2008 |
Education |
| BS Marketing - Marketing | Illinois Institute of Technology
- Chicago, IL Sep 1967- June 1971 |
| MS Telecommunications Management - Management | Naval Postgraduate School
- Monterrey, June 1981-March 1983 |
FAQs |
Do you have a customer satisfaction or refund policy?A client can leave at any time and move his money somewhere else. |
Why should I choose you as my financial advisor?Whenever working with a client,I try to establish a long term mutually beneficial relationship that will enable us to work together through the years. An initial meeting is simply to find out if we want to work together and proceed to a second meeting. |
What are your qualifications? What is your education background?Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU). Certified Kingdom Advisor (CKA0 sonce 2007. Series 6, 63, and 65. BS in Marketing ans MS in Management. |
How do you charge for your services?All of my the investments are fee based. The insurance is commissioned based. |
How are you compensated? How will I pay for your services?The investments are fee-based and the insurance is commissioned based. You never write a check to me. |
Disclosures |
|
WiserAdvisor provides referrals to financial professionals. WiserAdvisor is not a current client of advisor or advisory services. Financial professionals pay cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest. Tim Creath offers Investment Advisory Services through Gradient Advisors, LLC (Arden Hills, MN 877-885-0508), a SEC Registered Investment Advisor. Gradient Advisors, LLC and its advisors do not render tax, legal, or accounting advice. Creath Financial Services is not a registered advisor and is not an affiliate of Gradient Advisors, LLC. Insurance products and services are offered through Tim Creath, independent agent. Creath Financial Services, Tim Creath, and Gradient Advisors, LLC are not affiliated with or endorsed by the Social Security Administration or any government agency. |
|
Additional Detailed Disclosures |
Investment Advisor Representative:
Yes
Acknowledged fiduciary:
Yes
Compliance Disclosures in Last 5 years:
Have a clean record
Criminal Disclosures in Last 5 years:
Have a clean record
| Mon. | 11:00 AM - 7:00 PM |
| Tue. | 9:00 AM - 6:00 PM |
| Wed. | 9:00 AM - 6:00 PM |
| Thu. | 9:00 AM - 6:00 PM |
| Fri. | 9:00 AM - 5:00 PM |
| Addison | Algonquin |
| Arlington Heights | Barrington |
| Bartlett | Batavia |
| Bensenville | Bloomingdale |
| Bolingbrook | Buffalo Grove |
| Carol Stream | Carpentersville |
| Cary | Chicago |
| Clarendon Hills | Crystal Lake |
| Deerfield | Des Plaines |
| Downers Grove | Dundee |
| Elburn | Elgin |
| Elmhurst | Elmwood Park |
| Evanston | Fort Sheridan |
| Fox River Grove | Franklin Park |
| Geneva | Gilberts |
| Glen Ellyn | Glenview |
| Golf | Grayslake |
| Great Lakes | Hampshire |
| Highland Park | Island Lake |
| Itasca | La Grange |
| Lake Bluff | Lake Forest |
| Lake Zurich | Lemont |
| Libertyville | Lincolnshire |
| Lincolnwood | Lisle |
| Lombard | Medinah |
| Melrose Park | Morton Grove |
| Mount Prospect | Naperville |
| Northbrook | Oak Brook |
| Oak Park | Palatine |
| Park Ridge | Prospect Heights |
| Round Lake | Saint Charles |
| Schaumburg | Skokie |
| South Elgin | Sugar Grove |
| Villa Park | Warrenville |
| Wauconda | Wayne |
| West Chicago | Western Springs |
| Westmont | Wheaton |
| Wheeling | Wilmette |
| Winnetka | Wood Dale |
| Woodridge | Any others where I have a willing client. |
| Check |
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