--- title: Creekmur Wealth Advisors | saving and investing description: saving and 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. --- - [Reserve A Consultation](https://creekmurwealth.com/contact-us/) - Client Access - [Client Access](https://creekmurwealth.com/client-access/) - [Legacy Club](https://creekmurwealth.com/ambassador-program/) - [Request An Update With Your Advisor](https://creekmurwealth.com/current-clients/) [![Creekmur Wealth Advisors](https://blog.creekmurwealth.com/hs-fs/hubfs/Creekmur%20Wealth%20Advisors%20Logo.png?width=460&height=104&name=Creekmur%20Wealth%20Advisors%20Logo.png "Creekmur Wealth Advisors")](https://creekmurwealth.com) - [Team](https://creekmurwealth.com/creekmur-wealth-team/) - [Locations](https://creekmurwealth.com/locations/) - [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/) - [Join Our Team](https://content.creekmurwealth.com/join-our-team-0) - [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/#) - [Client Access](https://creekmurwealth.com/client-access/) - [Legacy Club](https://creekmurwealth.com/ambassador-program/) - [Request An Update With Your Advisor](https://creekmurwealth.com/current-clients/) ## Educate, Encourage, Empower ## [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) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/cashflowmanagement-1#comments-listing) 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) ## [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) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/savingsrate-vs-rateofreturn#comments-listing) 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) ## [6 Accounts To Build a Solid Financial Foundation](https://blog.creekmurwealth.com/blog/6-accounts-to-build-a-solid-financial-foundation) Posted by [Creekmur Staff](https://blog.creekmurwealth.com/blog/author/creekmur-staff) on 9:00 AM on May 11, 2021 [![](https://blog.creekmurwealth.com/hubfs/House%20of%20Dollarbills%20%20white%20background%20cs9545198.jpg)](https://blog.creekmurwealth.com/blog/6-accounts-to-build-a-solid-financial-foundation) ###### It's time to “get your financial house in order.” But, what exactly does that mean?  **There's a lot that goes into the process of getting your finances in order, but the first step is to be sure your financial house is built on a solid foundation.** This means that you have six fundamental pillars (accounts) in place that are designed for sustaining your financial well-being and creating wealth.  [Read More](https://blog.creekmurwealth.com/blog/6-accounts-to-build-a-solid-financial-foundation) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/6-accounts-to-build-a-solid-financial-foundation#comments-listing) Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investing](https://blog.creekmurwealth.com/blog/tag/investing), [saving and investing](https://blog.creekmurwealth.com/blog/tag/saving-and-investing) ## [Is it Time to Buy? Thoughts on Investing in a Market Like This](https://blog.creekmurwealth.com/blog/flash-briefing-aug-04-2020) Posted by [Drew Creekmur, MSPFP](https://blog.creekmurwealth.com/blog/author/drew-creekmur-mspfp) on 9:00 AM on August 4, 2020 [![](https://blog.creekmurwealth.com/hubfs/bear%20and%20bull%20signs.jpg)](https://blog.creekmurwealth.com/blog/flash-briefing-aug-04-2020) *Markets are going CRAZY - should I invest?* [Read More](https://blog.creekmurwealth.com/blog/flash-briefing-aug-04-2020) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/flash-briefing-aug-04-2020#comments-listing) Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investments](https://blog.creekmurwealth.com/blog/tag/investments), [Planning](https://blog.creekmurwealth.com/blog/tag/planning), [saving and investing](https://blog.creekmurwealth.com/blog/tag/saving-and-investing) ## [Too Much Noise in the News?](https://blog.creekmurwealth.com/blog/flash-briefing-july-28-2020-0) Posted by [Drew Creekmur, MSPFP](https://blog.creekmurwealth.com/blog/author/drew-creekmur-mspfp) on 1:55 PM on July 28, 2020 [![](https://blog.creekmurwealth.com/hubfs/News%20phone%20pad%20paper.jpg)](https://blog.creekmurwealth.com/blog/flash-briefing-july-28-2020-0) *Cut through the noise with our* *Financial News Breakdown* [Read More](https://blog.creekmurwealth.com/blog/flash-briefing-july-28-2020-0) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/flash-briefing-july-28-2020-0#comments-listing) Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investments](https://blog.creekmurwealth.com/blog/tag/investments), [Planning](https://blog.creekmurwealth.com/blog/tag/planning), [saving and investing](https://blog.creekmurwealth.com/blog/tag/saving-and-investing) ## [What is Social Media saying about the companies we're watching now?](https://blog.creekmurwealth.com/blog/flash-briefing-july-21-2020) Posted by [Drew Creekmur, MSPFP](https://blog.creekmurwealth.com/blog/author/drew-creekmur-mspfp) on 3:38 PM on July 21, 2020 [![](https://blog.creekmurwealth.com/hubfs/Hot%20Topics.jpg)](https://blog.creekmurwealth.com/blog/flash-briefing-july-21-2020) ***Social Media - Whether you hate it or use it daily - it can tell us a lot about the companies we are watching now.*** [Read More](https://blog.creekmurwealth.com/blog/flash-briefing-july-21-2020) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/flash-briefing-july-21-2020#comments-listing) Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investments](https://blog.creekmurwealth.com/blog/tag/investments), [Planning](https://blog.creekmurwealth.com/blog/tag/planning), [saving and investing](https://blog.creekmurwealth.com/blog/tag/saving-and-investing) ## [Upcoming News Driving Markets](https://blog.creekmurwealth.com/blog/flash-briefing-july-14-2020) Posted by [Drew Creekmur, MSPFP](https://blog.creekmurwealth.com/blog/author/drew-creekmur-mspfp) on 1:49 PM on July 14, 2020 [![](https://blog.creekmurwealth.com/hubfs/News%20phone%20pad%20paper.jpg)](https://blog.creekmurwealth.com/blog/flash-briefing-july-14-2020) ### *Critical Topics* ### *Financial & Economic Items We're Tracking Now!*   Of course, no single investor ever knows with absolute certainty where markets and the economy are heading, but learning how to analyze various information points is critical to long-term success as an investor. In this week’s flash briefing we will dive into the top four items we are tracking in an effort to further provide clarity to where markets and the economy may be heading. [Read More](https://blog.creekmurwealth.com/blog/flash-briefing-july-14-2020) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/flash-briefing-july-14-2020#comments-listing) Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investments](https://blog.creekmurwealth.com/blog/tag/investments), [Planning](https://blog.creekmurwealth.com/blog/tag/planning), [saving and investing](https://blog.creekmurwealth.com/blog/tag/saving-and-investing) ## [Weekly Flash Briefing 07/07/2020](https://blog.creekmurwealth.com/blog/flash-briefing-july-07-2020) Posted by [Drew Creekmur, MSPFP](https://blog.creekmurwealth.com/blog/author/drew-creekmur-mspfp) on 11:07 AM on July 7, 2020 [![](https://blog.creekmurwealth.com/hubfs/canstockphoto79754978.jpg)](https://blog.creekmurwealth.com/blog/flash-briefing-july-07-2020) ### *3 Lessons Learned from a Crazy Year!* As I was watching fireworks over the weekend, I got to thinking about how much we have already experienced so far in 2020. The list of events is truly incredibly to review, in part because many of these events would have been massive in any random year and I had almost forgot that some of these things had even happened [(here is a complete list of the items that occurred through just April!)](https://www.insider.com/shocking-things-that-have-happened-this-year-100-days-2020-4#january-8-prince-harry-and-meghan-markle-announce-they-are-stepping-down-from-their-duties-as-senior-royals-in-buckingham-palace-4): [Read More](https://blog.creekmurwealth.com/blog/flash-briefing-july-07-2020) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/flash-briefing-july-07-2020#comments-listing) Topics: [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investments](https://blog.creekmurwealth.com/blog/tag/investments), [long term objectives](https://blog.creekmurwealth.com/blog/tag/long-term-objectives), [Planning](https://blog.creekmurwealth.com/blog/tag/planning), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement), [saving and investing](https://blog.creekmurwealth.com/blog/tag/saving-and-investing), [Lessons Learned](https://blog.creekmurwealth.com/blog/tag/lessons-learned) ## [Weekly Flash Briefing 06/30/2020](https://blog.creekmurwealth.com/blog/flash-briefing-june-30-2020-) Posted by [Drew Creekmur, MSPFP](https://blog.creekmurwealth.com/blog/author/drew-creekmur-mspfp) on 4:25 PM on June 30, 2020 [![](https://blog.creekmurwealth.com/hubfs/Retirement%20compass.jpg)](https://blog.creekmurwealth.com/blog/flash-briefing-june-30-2020-) ### *How to Navigate your Employer Sponsored Retirement plan* **"My employer provides a Retirement Plan (401(k), 403(b), 457, SIMPLE IRA, etc.), but I don't understand it at all!"** [Read More](https://blog.creekmurwealth.com/blog/flash-briefing-june-30-2020-) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/flash-briefing-june-30-2020-#comments-listing) Topics: [401k](https://blog.creekmurwealth.com/blog/tag/401k), [403(b)](https://blog.creekmurwealth.com/blog/tag/403b), [Financial Planning](https://blog.creekmurwealth.com/blog/tag/financial-planning), [Investments](https://blog.creekmurwealth.com/blog/tag/investments), [long term objectives](https://blog.creekmurwealth.com/blog/tag/long-term-objectives), [Planning](https://blog.creekmurwealth.com/blog/tag/planning), [Retirement](https://blog.creekmurwealth.com/blog/tag/retirement), [Roth 401k vs 401k](https://blog.creekmurwealth.com/blog/tag/roth-401k-vs-401k), [saving and investing](https://blog.creekmurwealth.com/blog/tag/saving-and-investing) ## [The Chances of Totally Cashing Out](https://blog.creekmurwealth.com/blog/thechancesoftotallycashingout) Posted by [Creekmur Wealth Advisors](https://blog.creekmurwealth.com/blog/author/creekmur-wealth-advisors) on 11:40 AM on June 19, 2020 [![](https://blog.creekmurwealth.com/hubfs/midlife-money-errors.png)](https://blog.creekmurwealth.com/blog/thechancesoftotallycashingout) Perhaps you know someone who carries no cash. Maybe that someone is you. Ten or 15 years ago, it would have been anomalous and occasionally frustrating to go through the day without any bills or coins on you. Now, not so much.   In 2018, Americans used debit cards more than cash at the point of sale for the first time, according to a Federal Reserve survey. This year, many merchants have encouraged cashless payments to discourage money from changing hands, an effort to reduce the threat of COVID-19 transmission. [Read More](https://blog.creekmurwealth.com/blog/thechancesoftotallycashingout) 0 Comments [Click here to read/write comments](https://blog.creekmurwealth.com/blog/thechancesoftotallycashingout#comments-listing) Topics: [Credit Card use](https://blog.creekmurwealth.com/blog/tag/credit-card-use), [saving and investing](https://blog.creekmurwealth.com/blog/tag/saving-and-investing) [All posts](https://blog.creekmurwealth.com/blog/all) [Next](https://blog.creekmurwealth.com/blog/tag/saving-and-investing/page/2) Search Our Site ### Subscribe Here! ### Recent Posts ### Posts by Tag - [Financial Planning (109)](https://blog.creekmurwealth.com/blog/tag/financial-planning) - [Retirement (72)](https://blog.creekmurwealth.com/blog/tag/retirement) - [Investing (54)](https://blog.creekmurwealth.com/blog/tag/investing) - [Uncategorized (44)](https://blog.creekmurwealth.com/blog/tag/uncategorized) - [Planning (27)](https://blog.creekmurwealth.com/blog/tag/planning) - [Investments (24)](https://blog.creekmurwealth.com/blog/tag/investments) - [Stock Market (24)](https://blog.creekmurwealth.com/blog/tag/stock-market) - [market volatility (18)](https://blog.creekmurwealth.com/blog/tag/market-volatility) - [market risks (17)](https://blog.creekmurwealth.com/blog/tag/market-risks) - [saving and investing (17)](https://blog.creekmurwealth.com/blog/tag/saving-and-investing) - [Investments and risk (16)](https://blog.creekmurwealth.com/blog/tag/investments-and-risk) - [Build True Wealth (15)](https://blog.creekmurwealth.com/blog/tag/build-true-wealth) - [Certified Financial Planner, CFP (14)](https://blog.creekmurwealth.com/blog/tag/certified-financial-planner-cfp) - [Goals (13)](https://blog.creekmurwealth.com/blog/tag/goals) - [From John's Desk (11)](https://blog.creekmurwealth.com/blog/tag/from-johns-desk) - [Investment Portfolio (11)](https://blog.creekmurwealth.com/blog/tag/investment-portfolio) - [Roth IRA (11)](https://blog.creekmurwealth.com/blog/tag/roth-ira) - [Life Insurance (10)](https://blog.creekmurwealth.com/blog/tag/life-insurance) - [Saving (10)](https://blog.creekmurwealth.com/blog/tag/saving) - [Wealth Management (10)](https://blog.creekmurwealth.com/blog/tag/wealth-management) - [taxes (10)](https://blog.creekmurwealth.com/blog/tag/taxes) - [long term objectives (9)](https://blog.creekmurwealth.com/blog/tag/long-term-objectives) - [IRA (8)](https://blog.creekmurwealth.com/blog/tag/ira) - [Annuities (7)](https://blog.creekmurwealth.com/blog/tag/annuities) - [Insurance (7)](https://blog.creekmurwealth.com/blog/tag/insurance) - [Social Security (7)](https://blog.creekmurwealth.com/blog/tag/social-security) - [Build Wealth (6)](https://blog.creekmurwealth.com/blog/tag/build-wealth) - [Retirement Income (6)](https://blog.creekmurwealth.com/blog/tag/retirement-income) - [Market turbulence (5)](https://blog.creekmurwealth.com/blog/tag/market-turbulence) - [RetirementRSS (5)](https://blog.creekmurwealth.com/blog/tag/retirementrss) - [Social Security income (5)](https://blog.creekmurwealth.com/blog/tag/social-security-income) - [Tax Benefits (5)](https://blog.creekmurwealth.com/blog/tag/tax-benefits) - [Taxes in Retirment (5)](https://blog.creekmurwealth.com/blog/tag/taxes-in-retirment) - [Tolerating Risk with Investments (5)](https://blog.creekmurwealth.com/blog/tag/tolerating-risk-with-investments) - [Why is my portfolio not performing? 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