Creativeone Securities LLC

Item 5.      Fees and Compensation

Fees paid to C1S are for C1S advisory services only. The fees do not include, for example, the fees charged
by third parties such as third-party managers, or accountants and attorneys assisting with providing the
client with accounting and legal advice. Commissions on transactions and other account fees will also be
charged by brokerage firms in accordance with the account’s brokerage firm’s normal commission
schedule. See Item 12, Brokerage Practices. Customary commissions on insurance are also not included.
Prospective clients should be aware that in addition to C1S's advisory fees, each mutual fund in which a
client's assets are invested also pays its own advisory fees and other internal expenses which already have
been deducted from the fund's reported performance. Depending on the fund, a client may be able to invest
directly in the shares issued by the fund with or without incurring any sales or third-party management fees.
Account maintenance fees are also deducted by the custodian.
In addition, there are tax effects pertaining to fund share redemptions, and other sales, made by C1S on
behalf of clients. Redemptions and sales are taxable events in non-qualified accounts, which may

ADV Part 2A - Brochure

accelerate the recognition of capital gains, and losses, and frequent redemptions and sales may result in
short-term, rather than long-term, capital gains and losses.
The client should be aware that C1S feels that its advisory fees are reasonable but that lower fees may be
found for comparable services available through other sources.

Consulting Services Fee
All fees for Consulting Services are negotiable. C1S's fees for providing Consulting Services may be
charged on a fixed fee per project basis, an hourly fee per project basis or as an on-going monthly retainer
fee. The hourly rate ranges from $100 - $250 per hour, the fixed fee ranges from $300 to $10,000, and the
on-going monthly retainer ranges from $50 to $100 per month depending on the services requested. There
is a minimum fee of $300 for hourly and fixed fee projects.
The consulting fee is dependent upon the nature and scope of the advice requested by the client, nature
and number of investments in a client’s portfolio, amount and nature of research required to complete the
project and the scope and number of reports requested by a client. For example, a client requesting a
simple portfolio overview without a report or identification of financial problems or formulation of solutions,
would be charged $100 per hour. A client wanting a more in depth project including identification of financial
problems, formulation of solutions and an analysis of financial goals and objectives, would be charged $250
per hour. The amount of time required to complete the project will depend on the specifics of the project
requested and the client is provided with an estimate of the total fee prior to signing the Services Agreement.
Consulting services fees are dependent on what the client is looking for, if the client wants a more structured
financial plan then a Financial Planning Agreement will be recommended. Consulting Services are for short
term projects or reviews of the client's current financial condition.
The consulting project fee is due upon signing of the services agreement. Payment arrangements are
established in the services agreement but clients typically pay fees directly as opposed to having their
account debited. The fee may be waived in whole or in part by C1S at its sole discretion. All Project
Consulting Services will be completed within 6 months of signing the agreement.
The retainer consulting services fee is due as of the first day of each calendar month services are provided.
Any partial months shall be prorated based on the number of days services were provided within the month.
Any prepaid unearned fee will be refunded to the client.
The services agreement may be terminated at any time by giving ten (10) days advance written notice from
either party to the other. Any unearned prepaid project fee is returned to client upon termination. Clients
are obligated to pay any fee earned by C1S to date of termination, but not yet paid. When calculating any
refund, a rate of $150 per hour shall apply to work already performed on a fixed fee basis.
The fees described above may change based on special situations such as an expansion of a project,
increase in the number of reviews, more specialized needs of the client, more complex planning or more
detailed reporting. Before such a change is made, the client is given 30 days prior written notice and agrees
to such changes by signing a new Services Agreement, or an amendment thereto.

Financial Planning Fees
Fees charged for Financial Planning are negotiable and are based on a fixed-fee per project basis, or on
an hourly fee basis. The hourly rate ranges from $100 - $250 per hour and the fixed fee ranges from $300
to $10,000, depending on the complexity and nature of the project. The hourly rate may be negotiated.
There is a minimum fee of $300.
Hourly rates and total fees are determined by each C1S Representative estimating the complexity of the
client’s circumstances, the level of skill required to perform the service, and the amount of time that will be
required to perform research, analysis, and plan preparation. The estimated fee is disclosed to the client
prior to contract signing. The hourly or fixed fee is dependent upon the nature and scope of the advice

ADV Part 2A - Brochure

requested by the client, nature and number of investments in a client’s portfolio, amount and nature of
research required to complete the project and the scope and number of reports requested by a client.
For example:
Detailed Personal Financial Plan 10 hours @ $200/hour $ 2,000
Insurance and Risk Management Review 8 hours @ $200/hour $ 1,600
Employee Benefits Planning 6 hours @ $250/hour $ 1,500
Income Tax Planning 6 hours @ $150/hour $ 900
...

Item 7.      Types of Clients/Minimum Account Size

C1S makes Financial Planning and Consulting available to a wide variety of clients including. but not limited
to, individuals, pension and profit sharing plans, trusts, estates, charitable organizations, corporations and
other business entities.
C1S does not generally require a minimum account size for financial planning and consulting services.
There is a minimum of $25,000 required for all management programs, except CreativeOne Wealth, LLC
Alpha UMA which requires a minimum of $150,000. There may also be minimum account sizes and fees
for the services offered by third-party managers, please see their individual Form ADV Part 2A brochures.
A minimum fee of $300 is charged for Consulting and Financial Planning services.