Creative Planning is a investment adviser based in Overland Park, KS, that holds a 66.3/100 Fidelon TransparencyScore (th percentile), with 1,171 registered advisors. Score based on public SEC and FINRA filings.
Creative Planning
Creative Planning · CRD #105348
A registered investment adviser held to a fiduciary standard.
Fidelon Fact Sheet
Creative Planning is an investment adviser in Overland Park, Kansas. It used to be called Women's Wealth Management. The firm manages investment portfolios and helps plan for retirement. It also runs private funds and gives market-timing advice. Clients pay asset-based fees or fixed fees. The firm holds client money. It has regulatory disclosures on file. The most recent action was in 2018.
Peer Context
How This Firm Works
Registration & Standard of Care
Investment Adviser — this firm is a registered investment adviser, held to a fiduciary standard — legally required to act in clients' best interests.
How This Firm Gets Paid
- Charges a percentage of assets under management
- Charges fixed fees for specific services
- Does not earn commissions on product sales
Specializations
Extracted from Form ADV Part 2A brochure
Key Findings
Strengths
- Fee-only compensation — no commission income reported
- Registered as investment adviser with fiduciary obligation
- No broker-dealer registration — advisory services only
- Transparent fee structure — charges advisory fees, no commissions
Things You Should Know
- 2 regulatory complaints in public regulatory filings
- $400K in regulatory fines
- Conflict disclosure in the client summary — filings provide less detail than higher-scoring peers in this area
Conflict Audit
Zero material conflicts identified in regulatory filings.
Source: Form ADV Part 1, Items 6-8; Part 2A, Items 10-14
What this firm says about how it gets paid
“The more assets you have in the account, including cash and margin, the more you will pay us, therefore we have an incentive to encourage you to increase the assets in your account in order to increase our fees.”
Source: the firm’s own Form CRS, filed 2026-03-31 — quoted directly
Regulatory Track Record
2
Disclosures
$400K
Total Fines
Regulatory Events
TransparencyScore Dimensions
Disclosure Record
Customer complaints, arbitrations, and fines. Frequency and recency matter.
77/100
Fair
Avg for investment adviser firms: 82.6 | Top 10%: 99.5
Filing Quality
How clearly the firm describes services, fees, and investment approach in regulatory filings.
78/100
Fair
Avg for investment adviser firms: 84.1 | Top 10%: 100
Conflict Disclosure
How openly the firm explains who pays it and what it's paid to sell. The conflict isn't the problem — hiding it is.
36/100
Poor
Avg for investment adviser firms: 54 | Top 10%: 67
Enforcement History
Self-reported legal and disciplinary history from Form ADV Item 11.
100/100
Strong
Avg for investment adviser firms: 99.7 | Top 10%: 100
Next Steps
Advisor Roster
1,171 advisors
| Advisor | CRD | Score | Grade |
|---|---|---|---|
| Glenn Patrick Able | 1380183 | — | — |
| John MacK Majors | 4375193 | — | — |
| Stephan John Miskjian | 2844720 | — | — |
| Daniel James Quirk | 4075672 | — | — |
| Frederick Joseph Cornelius III | 1588904 | — | — |
| Daniel K Palmer | 2250868 | — | — |
| Michael Gilbert Fancher | 2502865 | — | — |
| Derek Richard Hoyt | 4644343 | — | — |
| Joseph William Galunas | 5197104 | — | — |
| Adam Joseph Reinert | 5351183 | — | — |
Marketing Brands12 brands
Names advisors at this firm use when marketing to clients
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Frequently Asked Questions
What does the TransparencyScore measure?
The TransparencyScore measures how clearly and completely an advisor or firm discloses important information in their regulatory filings — things like fees, conflicts of interest, disciplinary history, and business practices. A higher score means better disclosure quality, not better investment performance.
Where does this data come from?
All data comes from public regulatory filings: SEC Form ADV (Parts 1, 2, and 3), FINRA BrokerCheck, and the SEC's Investment Adviser Public Disclosure (IAPD) database. These are official filings that firms and advisors are legally required to submit.
Does a low score mean they're a bad advisor?
Not necessarily. A low score means the firm's public filings are less transparent — they may use vague language about fees, skip details about conflicts, or have a more complex regulatory history. Some excellent advisors work at firms with poor disclosure practices. The score measures the filing, not the person.
How often is this data updated?
Fidelon refreshes data from SEC and FINRA sources on a regular schedule. Form ADV filings are updated annually by firms (with amendments throughout the year), and BrokerCheck data is updated as events are reported. Scores are recalculated after each data refresh.
Can an advisor or firm improve their score?
Yes. Scores are based on what's in public filings. A firm that rewrites its ADV brochure in clearer language, discloses conflicts more specifically, or resolves outstanding regulatory issues will see its score improve at the next refresh. The incentive structure is intentional.
Data Sources
Scores are generated using Fidelon's published scoring methodology and reflect the quality of public disclosures, not the quality of investment advice. A firm that improves its disclosures will see its score improve. Fidelon does not provide investment advice.
Verify on SEC IAPD
Last scored: · Score version: 3.8 · CRD #105348