---
title: Creekmur Wealth Advisors | Investing
description: Investing | 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.
---

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- Resources 
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    - [Planning Tools](https://creekmurwealth.com/planning-tools/)
    - [Webinars](https://creekmurwealth.com/webinar/)
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- [Contact Us](https://creekmurwealth.com/contact-us/)
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    - [Request An Update With Your Advisor](https://creekmurwealth.com/current-clients/)

## Educate, Encourage, Empower

## [Tips for Women Investors](https://blog.creekmurwealth.com/blog/tipsforwomeninvestors)

 Posted by [Stacy Creekmur](https://blog.creekmurwealth.com/blog/author/stacy-creekmur) on 1:48 PM on March 13, 2023

At Creekmur Wealth Advisors we have learned that everyone benefits from having a financial plan in place. Our financial planning and investing process is well established to help individuals and couples define and progress toward their own unique goals. This process is effective for men and women. However, there are some unique situations that make financial planning for women even more important.

[Read More](https://blog.creekmurwealth.com/blog/tipsforwomeninvestors)

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 Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Women Investors](https://blog.creekmurwealth.com/blog/tag/women-investors)

## [10 Events That Drove 2022](https://blog.creekmurwealth.com/blog/10-events-thatdrove2022)

 Posted by [Connor Creekmur, MBA](https://blog.creekmurwealth.com/blog/author/connor-creekmur) on 9:00 AM on December 12, 2022

[![](https://blog.creekmurwealth.com/hubfs/canstockphoto104597814.jpg)](https://blog.creekmurwealth.com/blog/10-events-thatdrove2022)

## World events that impacted this year.

"Those who fail to learn from history are destined to repeat it."    
*Winston Churchill*

[Read More](https://blog.creekmurwealth.com/blog/10-events-thatdrove2022)

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 Topics: [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Investments](https://blog.creekmurwealth.com/blog/tag/investments)

## [Should I Keep Investing When The Market Is Down?](https://blog.creekmurwealth.com/blog/dollar-cost-averaging-in-all-markets-0)

 Posted by [Andrew Pisel](https://blog.creekmurwealth.com/blog/author/andrew-pisel) on 11:37 AM on October 25, 2022

[![stock market price](https://blog.creekmurwealth.com/hubfs/stock%20market%20price%20display%20abstract.jpeg)](https://blog.creekmurwealth.com/blog/dollar-cost-averaging-in-all-markets-0)

*Buy Low & Sell High is the age old investment advice, however picking the low time to buy a stock is an extremely difficult task to accomplish.* 

[Read More](https://blog.creekmurwealth.com/blog/dollar-cost-averaging-in-all-markets-0)

 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/dollar-cost-averaging-in-all-markets-0#comments-listing)

 Topics: [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [market risks](https://blog.creekmurwealth.com/blog/tag/market-risks), [market volatility](https://blog.creekmurwealth.com/blog/tag/market-volatility), [dollar cost averaging](https://blog.creekmurwealth.com/blog/tag/dollar-cost-averaging)

## [Gold and Silver In The Current Market](https://blog.creekmurwealth.com/blog/gold-and-silver-in-the-current-market)

 Posted by [Andy Anderson, CFP®](https://blog.creekmurwealth.com/blog/author/andy-anderson-cfp) on 12:33 PM on October 20, 2022

[![](https://blog.creekmurwealth.com/hubfs/canstockphoto19250918.jpg)](https://blog.creekmurwealth.com/blog/gold-and-silver-in-the-current-market)

*** Is Buying or Selling Precious Metals The Way To Go With The State Of The Current Market?***

***The Answer May Surprise You.***

[Read More](https://blog.creekmurwealth.com/blog/gold-and-silver-in-the-current-market)

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 Topics: [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [Certified Financial Planner, CFP](https://blog.creekmurwealth.com/blog/tag/certified-financial-planner-cfp), [gold](https://blog.creekmurwealth.com/blog/tag/gold)

## [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)

## [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)

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 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)

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 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)

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 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)

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- [Inheritance (1)](https://blog.creekmurwealth.com/blog/tag/inheritance)
- [Legacy Assets (1)](https://blog.creekmurwealth.com/blog/tag/legacy-assets)
- [Legacy Planning (1)](https://blog.creekmurwealth.com/blog/tag/legacy-planning)
- [Lessons Learned (1)](https://blog.creekmurwealth.com/blog/tag/lessons-learned)
- [Marriage (1)](https://blog.creekmurwealth.com/blog/tag/marriage)
- [Medigap insurance (1)](https://blog.creekmurwealth.com/blog/tag/medigap-insurance)
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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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- [Stocks (1)](https://blog.creekmurwealth.com/blog/tag/stocks)
- [Successive Investment (1)](https://blog.creekmurwealth.com/blog/tag/successive-investment)
- [Tariffs (1)](https://blog.creekmurwealth.com/blog/tag/tariffs)
- [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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