---
title: Creekmur Wealth Advisors (6)
description: We help create true wealth and retirement income strategies for people in or nearing retirement so their retirement income lasts as long as they do. (6)
---

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- [Team](https://creekmurwealth.com/creekmur-wealth-team/)
- [Locations](https://creekmurwealth.com/true-wealth-process/)
- [Wealth Solutions](https://creekmurwealth.com/wealth-solutions/)
- Resources 
    - [In the Media](https://creekmurwealth.com/in-the-media/)
    - [Planning Tools](https://creekmurwealth.com/planning-tools/)
    - [Webinars](https://creekmurwealth.com/webinar/)
    - [Blog](https://blog.creekmurwealth.com/blog)
- [Events](https://creekmurwealth.com/events/)
- [Contact Us](https://creekmurwealth.com/contact-us/)
- [Client Access](https://creekmurwealth.com/true-wealth-process/#) 
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    - [Request An Update With Your Advisor](https://creekmurwealth.com/current-clients/)

## Educate, Encourage, Empower

## [Do I Need Life Insurance?](https://blog.creekmurwealth.com/blog/do-i-need-life-insurance)

 Posted by [Connor Creekmur, MBA](https://blog.creekmurwealth.com/blog/author/connor-creekmur) on 9:00 AM on September 5, 2022

[![](https://blog.creekmurwealth.com/hubfs/canstockphoto8654542.jpg)](https://blog.creekmurwealth.com/blog/do-i-need-life-insurance)

### 3 Questions to Help you Decide!

When I was a student I got so stressed before tests! The week leading up to the test I would study loosely, be constantly stressed, and cram the day before.

Eventually, I learned to create a study plan two weeks before my test. I studied each day for a set time, had little stress, and usually performed well. With an appropriate plan I was able to enjoy my life without worrying about my test. *I wasn’t planning for the worst but rather preparing myself so I would have freedom.*

This is similar to the approach we use in life insurance planning.

[Read More](https://blog.creekmurwealth.com/blog/do-i-need-life-insurance)

 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/do-i-need-life-insurance#comments-listing)

 Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Insurance](https://blog.creekmurwealth.com/blog/tag/insurance), [Life Insurance](https://blog.creekmurwealth.com/blog/tag/life-insurance)

## [When Will the Stock Market Return to Where It Was?](https://blog.creekmurwealth.com/blog/when-stock-market-return)

 Posted by [Andrew Pisel](https://blog.creekmurwealth.com/blog/author/andrew-pisel) on 5:00 PM on August 29, 2022

[![](https://blog.creekmurwealth.com/hubfs/double%20exposure%20of%20businessman%20hand%20drawing%20virtual%20chart%20business%20on%20touch%20screen%20computer.jpeg)](https://blog.creekmurwealth.com/blog/when-stock-market-return)

My favorite part of working as a wealth manager is the array of questions from our clients during all market environments.

However, times of market volatility are generally when the most impactful questions come up. This is due to the emotions that go hand in hand with market volatility.

[Read More](https://blog.creekmurwealth.com/blog/when-stock-market-return)

 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/when-stock-market-return#comments-listing)

 Topics: [Tolerating Risk with Investments](https://blog.creekmurwealth.com/blog/tag/tolerating-risk-with-investments), [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Investment Portfolio](https://blog.creekmurwealth.com/blog/tag/investment-portfolio), [Investments and risk](https://blog.creekmurwealth.com/blog/tag/investments-and-risk), [market risks](https://blog.creekmurwealth.com/blog/tag/market-risks)

## [Retirement Income Planning](https://blog.creekmurwealth.com/blog/retirement-income-planning-1)

 Posted by [Andy Anderson, CFP®](https://blog.creekmurwealth.com/blog/author/andy-anderson-cfp) on 2:09 PM on July 11, 2022

[![If you're approaching retirement, it might be time to start planning how and when you will use your retirement income.](https://blog.creekmurwealth.com/hubfs/Retirement%20written%20on%20rural%20road.jpeg)](https://blog.creekmurwealth.com/blog/retirement-income-planning-1)

 

[Read More](https://blog.creekmurwealth.com/blog/retirement-income-planning-1)

 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/retirement-income-planning-1#comments-listing)

 Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Goals](https://blog.creekmurwealth.com/blog/tag/goals), [Planning](https://blog.creekmurwealth.com/blog/tag/planning), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement), [Retirement Income](https://blog.creekmurwealth.com/blog/tag/retirement-income), [Certified Financial Planner, CFP](https://blog.creekmurwealth.com/blog/tag/certified-financial-planner-cfp)

## [Cash Flow Management](https://blog.creekmurwealth.com/blog/cashflowmanagement-1)

 Posted by [Connor Creekmur, MBA](https://blog.creekmurwealth.com/blog/author/connor-creekmur) on 12:00 PM on July 8, 2022

[![](https://blog.creekmurwealth.com/hubfs/Close%20up%20of%20a%20pink%20piggy%20bank%20with%20dollars%20beside%20miniature%20house%20model%20on%20white%20background.jpeg)](https://blog.creekmurwealth.com/blog/cashflowmanagement-1)

# Cash Flow Management. What To Know and How Can It Help You?

If you ever google financial planning, there is no doubt that you will quickly come across the idea of budgeting. At Creekmur Wealth Advisors we prefer to focus less on budgeting and lean more into cash flow management as a foundation for beginning your financial journey*.*

[Read More](https://blog.creekmurwealth.com/blog/cashflowmanagement-1)

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 Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Saving](https://blog.creekmurwealth.com/blog/tag/saving), [saving and investing](https://blog.creekmurwealth.com/blog/tag/saving-and-investing)

## [Is it Time to Check in with your Advisor?](https://blog.creekmurwealth.com/blog/february-news-roundup-0)

 Posted by [Drew Creekmur, MSPFP](https://blog.creekmurwealth.com/blog/author/drew-creekmur-mspfp) on 12:03 PM on June 11, 2022

[![](https://blog.creekmurwealth.com/hubfs/canstockphoto61194302.jpg)](https://blog.creekmurwealth.com/blog/february-news-roundup-0)

Over several decades of working with people from all walks of life we have witnessed first hand that 

[Read More](https://blog.creekmurwealth.com/blog/february-news-roundup-0)

 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/february-news-roundup-0#comments-listing)

 Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Investment Portfolio](https://blog.creekmurwealth.com/blog/tag/investment-portfolio), [Investments](https://blog.creekmurwealth.com/blog/tag/investments), [market volatility](https://blog.creekmurwealth.com/blog/tag/market-volatility)

## [Investing Myths (You don't want to fall for!)](https://blog.creekmurwealth.com/blog/investing-myths-you-dont-want-to-fall-for)

 Posted by [Creekmur Staff](https://blog.creekmurwealth.com/blog/author/creekmur-staff) on 9:00 AM on May 23, 2022

[![](https://blog.creekmurwealth.com/hubfs/canstockphoto33799301.jpg)](https://blog.creekmurwealth.com/blog/investing-myths-you-dont-want-to-fall-for)

How do you make investment decisions? Do you look at data? Or look for an interesting opportunity?  Interestingly, most people don't look at facts when making decisions. They prefer a good story.1

[Read More](https://blog.creekmurwealth.com/blog/investing-myths-you-dont-want-to-fall-for)

 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/investing-myths-you-dont-want-to-fall-for#comments-listing)

 Topics: [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Investments and risk](https://blog.creekmurwealth.com/blog/tag/investments-and-risk), [Save and invest](https://blog.creekmurwealth.com/blog/tag/save-and-invest), [emotions in investing](https://blog.creekmurwealth.com/blog/tag/emotions-in-investing)

## [Social Security: When Should You Claim?](https://blog.creekmurwealth.com/blog/social-security-when-to-claim)

 Posted by [Andrew Pisel](https://blog.creekmurwealth.com/blog/author/andrew-pisel) on 9:00 AM on May 16, 2022

[![](https://blog.creekmurwealth.com/hubfs/canstockphoto8191408-1.jpg)](https://blog.creekmurwealth.com/blog/social-security-when-to-claim)

The biggest and most important decision an individual can make when starting retirement is the age they will decide to take social security. I stand by the fact that this is the most crucial decision you will make in your financial life and will have a huge impact on your financial plan depending on the decision that is made.

The majority of Americans are under informed about the rules surrounding social security and how the benefits program works. And we are not alone. If you have ever called the social security office, you may have realized that the workers may even be ill-informed as well.

[Read More](https://blog.creekmurwealth.com/blog/social-security-when-to-claim)

 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/social-security-when-to-claim#comments-listing)

 Topics: [Claiming Social Security](https://blog.creekmurwealth.com/blog/tag/claiming-social-security), [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Investment Portfolio](https://blog.creekmurwealth.com/blog/tag/investment-portfolio), [Social Security](https://blog.creekmurwealth.com/blog/tag/social-security), [Social Security income](https://blog.creekmurwealth.com/blog/tag/social-security-income)

## [Savings Rate Vs. Rate of Return](https://blog.creekmurwealth.com/blog/savingsrate-vs-rateofreturn)

 Posted by [Connor Creekmur, MBA](https://blog.creekmurwealth.com/blog/author/connor-creekmur) on 9:00 AM on May 9, 2022

[![](https://blog.creekmurwealth.com/hubfs/Imported%20sitepage%20images/home-allocation-risk-alignment.jpg)](https://blog.creekmurwealth.com/blog/savingsrate-vs-rateofreturn)

*A common question I receive as a wealth advisor is, "What investments someone can make to get a big return?"*

While Creekmur Wealth Advisors spends a substantial amount of time researching, modeling, and planning [investment strategies](https://online.fliphtml5.com/nhubs/oixg/#p=3)we do not believe that rate of return is the most important rate to focus on when it comes to investing. We do appreciate seeing a high rate of return and strive to achieve that.

> However, the most important rate I would encourage clients to focus on and monitor is their savings rate since it is totally under the investors control and is the largest contributor to your final net worth.

Your savings rate is calculated by taking the total amount of your annual savings and dividing it by your gross or net income. I prefer using gross income as this encourages us to find [tax-efficient methods](https://blog.creekmurwealth.com/blog/tax-planning-for-beginners) of savings to maximize our savings rate.

[Read More](https://blog.creekmurwealth.com/blog/savingsrate-vs-rateofreturn)

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 Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Saving](https://blog.creekmurwealth.com/blog/tag/saving), [saving and investing](https://blog.creekmurwealth.com/blog/tag/saving-and-investing)

## [Post Tax Season Planning Tips](https://blog.creekmurwealth.com/blog/post-tax-season-planning)

 Posted by [Andy Anderson, CFP®](https://blog.creekmurwealth.com/blog/author/andy-anderson-cfp) on 11:00 AM on May 2, 2022

[![](https://blog.creekmurwealth.com/hubfs/Imported%20sitepage%20images/home-plan.jpg)](https://blog.creekmurwealth.com/blog/post-tax-season-planning)

Tax season has come and gone, but that does not mean the planning stops! While much of your focus prior to April 18th may have been on making sure you get your tax return submitted properly, the focus can now shift towards some other items that can improve your financial well-being over the course of the rest of the year.

[Read More](https://blog.creekmurwealth.com/blog/post-tax-season-planning)

 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/post-tax-season-planning#comments-listing)

 Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Goals](https://blog.creekmurwealth.com/blog/tag/goals), [taxes](https://blog.creekmurwealth.com/blog/tag/taxes), [Certified Financial Planner, CFP](https://blog.creekmurwealth.com/blog/tag/certified-financial-planner-cfp), [Tax Planning](https://blog.creekmurwealth.com/blog/tag/tax-planning)

## [Investing Reminders for Times of Market Volatility](https://blog.creekmurwealth.com/blog/are-you-riding-the-market-wave-0)

 Posted by [Creekmur Staff](https://blog.creekmurwealth.com/blog/author/creekmur-staff) on 3:46 PM on April 26, 2022

[![](https://blog.creekmurwealth.com/hubfs/ride%20the%20waves.jpg)](https://blog.creekmurwealth.com/blog/are-you-riding-the-market-wave-0)

#### Learn the 3 R's

#### to help you prepare for market volatility.

It's impossible to predict when the market will drop or how far it will fall. With this in mind, investors should take steps to position their portfolios against potential risk during times of growth.

[Read More](https://blog.creekmurwealth.com/blog/are-you-riding-the-market-wave-0)

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 Topics: [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Investments](https://blog.creekmurwealth.com/blog/tag/investments), [Investments and risk](https://blog.creekmurwealth.com/blog/tag/investments-and-risk), [emotions in investing](https://blog.creekmurwealth.com/blog/tag/emotions-in-investing)

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- [Filling out FAFSA (1)](https://blog.creekmurwealth.com/blog/tag/filling-out-fafsa)
- [Financial Elder abuse (1)](https://blog.creekmurwealth.com/blog/tag/financial-elder-abuse)
- [Financial Scams (1)](https://blog.creekmurwealth.com/blog/tag/financial-scams)
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- [Form 1099 (1)](https://blog.creekmurwealth.com/blog/tag/form-1099)
- [Fraudsters preying on Boomers and Elders (1)](https://blog.creekmurwealth.com/blog/tag/fraudsters-preying-on-boomers-and-elders)
- [Good Credit (1)](https://blog.creekmurwealth.com/blog/tag/good-credit)
- [Grandkids (1)](https://blog.creekmurwealth.com/blog/tag/grandkids)
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- [Legacy Assets (1)](https://blog.creekmurwealth.com/blog/tag/legacy-assets)
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- [Lessons Learned (1)](https://blog.creekmurwealth.com/blog/tag/lessons-learned)
- [Marriage (1)](https://blog.creekmurwealth.com/blog/tag/marriage)
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- [Memory Disorders (1)](https://blog.creekmurwealth.com/blog/tag/memory-disorders)
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- [News (1)](https://blog.creekmurwealth.com/blog/tag/news)
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- [Roth 401k vs 401k (1)](https://blog.creekmurwealth.com/blog/tag/roth-401k-vs-401k)
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- [Stocks (1)](https://blog.creekmurwealth.com/blog/tag/stocks)
- [Successive Investment (1)](https://blog.creekmurwealth.com/blog/tag/successive-investment)
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- [Tax defferred growth (1)](https://blog.creekmurwealth.com/blog/tag/tax-defferred-growth)
- [Teachers savings plan (1)](https://blog.creekmurwealth.com/blog/tag/teachers-savings-plan)
- [Team Approach (1)](https://blog.creekmurwealth.com/blog/tag/team-approach)
- [Trusted Contact (1)](https://blog.creekmurwealth.com/blog/tag/trusted-contact)
- [UFADDA (1)](https://blog.creekmurwealth.com/blog/tag/ufadda)
- [UTMA account (1)](https://blog.creekmurwealth.com/blog/tag/utma-account)
- [Uniting Personal Finances (1)](https://blog.creekmurwealth.com/blog/tag/uniting-personal-finances)
- [Wall Street Shocks (1)](https://blog.creekmurwealth.com/blog/tag/wall-street-shocks)
- [Women Investors (1)](https://blog.creekmurwealth.com/blog/tag/women-investors)
- [asset map (1)](https://blog.creekmurwealth.com/blog/tag/asset-map)
- [bull market (1)](https://blog.creekmurwealth.com/blog/tag/bull-market)
- [charitable donations (1)](https://blog.creekmurwealth.com/blog/tag/charitable-donations)
- [compounded interest (1)](https://blog.creekmurwealth.com/blog/tag/compounded-interest)
- [consumer debt (1)](https://blog.creekmurwealth.com/blog/tag/consumer-debt)
- [creating trust fund (1)](https://blog.creekmurwealth.com/blog/tag/creating-trust-fund)
- [cryptocurrency (1)](https://blog.creekmurwealth.com/blog/tag/cryptocurrency)
- [dollar cost averaging (1)](https://blog.creekmurwealth.com/blog/tag/dollar-cost-averaging)
- [emergency fund (1)](https://blog.creekmurwealth.com/blog/tag/emergency-fund)
- [get my credit score reviewed (1)](https://blog.creekmurwealth.com/blog/tag/get-my-credit-score-reviewed)
- [getting out of debt (1)](https://blog.creekmurwealth.com/blog/tag/getting-out-of-debt)
- [getting started (1)](https://blog.creekmurwealth.com/blog/tag/getting-started)
- [gold (1)](https://blog.creekmurwealth.com/blog/tag/gold)
- [grandchild education (1)](https://blog.creekmurwealth.com/blog/tag/grandchild-education)
- [identity theft (1)](https://blog.creekmurwealth.com/blog/tag/identity-theft)
- [impact of presidential elections (1)](https://blog.creekmurwealth.com/blog/tag/impact-of-presidential-elections)
- [paying off debt (1)](https://blog.creekmurwealth.com/blog/tag/paying-off-debt)
- [power of compounding (1)](https://blog.creekmurwealth.com/blog/tag/power-of-compounding)
- [risk of Alzheimers (1)](https://blog.creekmurwealth.com/blog/tag/risk-of-alzheimers)
- [rollover (1)](https://blog.creekmurwealth.com/blog/tag/rollover)
- [save early (1)](https://blog.creekmurwealth.com/blog/tag/save-early)
- [self-employed (1)](https://blog.creekmurwealth.com/blog/tag/self-employed)
- [volatility (1)](https://blog.creekmurwealth.com/blog/tag/volatility)
- [watch for Elder scams (1)](https://blog.creekmurwealth.com/blog/tag/watch-for-elder-scams)

See all

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