Developing relationships since 1985 - Creative Financial Planning is a whole-service, independent financial planning firm located in the heart of Nyack, New York. Our approach to financial planning is founded in our passion to connect with people who are looking to accumulate, grow, and protect their wealth. Once we have learned our clients' story, analyzed their cash-flow, and assessed their risk tolerance, we provide a custom-tailored financial plan that can help achieve the results they are looking for. Because we work with a select number of clients, we are able to focus our attention and listen to each and every one of our clients' unique needs and concerns. This allows us to create strategies and take a proactive approach that helps our clients feel confident in trusting us with their financial life. As a fee only firm, we do not charge commissions. We succeed when our clients succeed. That is why we work diligently, strategically, and passionately on every account that we manage. No matter what chapter of life a client is in - recently married, raising children, saving for a business endeavor, or planning for retirement - we create plans that help turn financial dreams into a reality.
Tomas Jamett
MBA
Tomas completed his undergraduate degree at Iona University, getting a Double Major in Finance and Business Administration. With a GPA of 3.892, he graduated with honors and received the Magna Cum Laude accolade. Not satisfied, he decided to go back to Iona for another year to receive his Financial Management MBA. With a GPA of 3.945, Tomas graduated with honors, and received the Department Medal and Merit Scholar Accolades.
After Graduating from his MBA, he accepted an offer from Creative Financial Planning to be a Wealth Management Analyst. Being at a boutique firm has allowed him to learn directly from the Senior Management. The hands-on experience helped him to pass the Series 65 exam, and register as an Authorized Trader. With this new license, Tomas is able to assist in the management of $170 Million in AUM as of February, 2023.
Daniel Gwizdak joined Creative Financial Planning as a high school intern–and hasn’t looked back.
Daniel’s early experiences with Lisa and her clients motivated him to pursue a degree in financial services. After graduating SUNY Binghamton in the spring of 2007, Daniel worked side-by-side with Ms. Hayes, and under her guidance and stewardship earned his CFP® certification in 2011 through Pace University.
Daniel takes extreme care in crafting financial plans, reviewing asset allocations, and creating an exceptional customer service experience. Ms. Hayes has left an immeasurable mark on Daniel as to what it means to help people. His vision is to carry forward, for generations to come, the values of service above self and helping the community in need.
Daniel is an avid bowler and doesn’t turn down a chance to hit the lanes. He also enjoys swimming, skiing, traveling and spending time with his growing family.
S. Lisa Hayes founded Creative Financial Planning Inc. in 1985.
For Ms. Hayes, financial planning synthesized all that she wanted to achieve: to help people, make a difference in the world, and to work with numbers. Fast-forward 35+ years and Hayes still loves her calling.
As an Investment Adviser Representative of Commonwealth Financial Network's RIA, the nation's largest privately held RIA/independent broker dealer, Ms. Hayes manages $170 Million in AUM as of February, 2023.
Ms. Hayes has been a CERTIFIED FINANCIAL PLANNER™ professional since 1986, obtaining her certification from Adelphi University and subsequently earning the title of Chartered Financial Consultant and Accredited Investment Fiduciary Designee. She holds a bachelor's degree from University of Florida and attended Emory law school.
Ms. Hayes takes an active role in both her local and global community. She is an alumnus of Leadership Rockland and member of the New City Rotary club, in which she has been recognized seven times with the Paul Harris fellow award.
Lisa Hayes is proud to have been recognized as a Leaders Level advisor for 2021—a distinction based on annual production attained by just 6% of advisors affiliated with Commonwealth Financial Network.
In her spare time, Ms. Hayes enjoys birding and travel.General Information |
| Firm Start Year: | 1985 | |
| No. of Employees: | 5-9 | |
| Insurance License#: | LA-644440 |
| Name of Broker/Dealer: | Commonwealth Financial Network |
| Name of Custodial Firm: | National Financial Services |
| States Licensed in: | NY |
| Number of Years with Current Firm: | 38 |
| Work with the following types of clients: | Individual Investors, Businesses, Non-Profit Organizations |
| Foreign Languages Serviced: | English and Spanish |
| Advisory Services Provided: | Insurance Products & Annuities, Investment Advice & Management, Financial Advice & Consulting, Financial Planning, Portfolio Management, Retirement Planning, 401K Rollovers, Wealth Management, Money Management, Risk Management, Financial Planning for Businesses, Financial Planning for Individuals, Education Funding and Planning |
Services |
| Investment Types: | Alternative Investments, Exchange Traded Funds (ETFs), Stocks, Bonds, Annuities, Insurance, Mutual Funds, Socially Responsible Investments (SRI) |
| Can meet clients in the following ways: | Your Home, Our Office, Phone, Email, Your Office, Video Conference, Our Offices |
Qualifications & Memberships |
| Insurance and Annuity Licenses: | Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity, Accident, Disability |
Firm Information |
| Firm's Number of Clients: | 250 |
| Firm's Number of Planning Clients: | 240 |
| Firm's Number of Managed Clients: | 250 |
| Assets Managed by Firm: | $170M |
| Advisor's Number of Clients: | 250 |
| Advisor's Number of Managed Clients: | 250 |
| Advisor's Number of Planning Clients: | 240 |
| Assets Managed by Advisor: | $170M |
Compensation and Fees |
| Fee Structure: | Fee-Only |
| Minimum Portfolio Size for New Managed Accounts: | $500,000 |
| Compensation Methods: | Based on Assets |
| Fee % Based on Assets: | Schedule |
| Hourly Rate: | N/A |
| Minimum Fee Charged for Managed Accounts: | $6,500 |
| Minimum Fee Charged for Hourly Planning Accounts: | $375 |
Disclosures |
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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. Commonwealth Financial Network ADV 2A Additional Detailed Disclosures |
Disclaimer |
| Advisory services offered through Commonwealth Financial Network®, a Registered Investment Advisor |
Investment Advisor Representative:
Yes
Acknowledged fiduciary:
Yes
Compliance Disclosures in Last 5 years:
I have a clean record
Criminal Disclosures in Last 5 years:
I have a clean record
| Mon. | 8:30 AM - 5:30 PM |
| Tue. | 8:30 AM - 5:30 PM |
| Wed. | 8:30 AM - 5:30 PM |
| Thu. | 8:30 AM - 5:30 PM |
| Fri. | 8:30 AM - 5:30 PM |
| Bergen County, Rockland County, Westchester County, Manhattan, Brooklyn, Nassau County, Suffolk County, Orange County, Putnam County |
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