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Part 2A of Form ADV: Creekmur Asset Management, LLC Brochure
A. Creekmur Asset Management, LLC
Creekmur Asset Management, LLC (“CAM, LLC” and/or “the firm”) is an Illinois limited liability
company. Creekmur is owned and managed by John Creekmur. CAM, LLC has been providing
investment advisory services since January 2020.
B. Advisory Services Offered
B.1. Discretionary Portfolio Asset Management Services
For its discretionary portfolio asset management services, CAM, LLC receives a limited power of
attorney to effect securities transactions on behalf of its clients that include securities and
strategies described in Item 8 of this brochure.
CAM, LLC’s portfolio asset management services are predicated on the client's investment
objectives, goals, tolerance for risk, and other personal and financial circumstances. CAM, LLC
will analyze each client's current investments, investment objectives, goals, age, time horizon,
financial circumstances, investment experience, investment restrictions and limitations, and risk
tolerance and implement a portfolio consistent with such investment objectives, goals, risk
tolerance and related financial circumstances. In addition, CAM, LLC may utilize third-party
software to analyze individual security holdings and separate account managers utilized within
the client’s portfolio.
CAM, LLC’s portfolio asset management services to clients take into account a client's personal
financial circumstances, investment objectives and tolerance for risk (e.g., cash-flow, tax and
estate). CAM, LLC’s engagement with a client will include, as appropriate, the following:
Providing assistance in reviewing the client's current investment portfolio against the
client's personal and financial circumstances as disclosed to CAM, LLC in response to a
questionnaire and/or in discussions with the client and reviewed in meetings with
CAM, LLC.
Analyzing the client's financial circumstances, investment holdings and strategy, and
goals.
Providing assistance in identifying a targeted asset allocation and portfolio design.
Implementing and/or recommending individual equity and fixed income securities,
mutual funds and ETFs.
Retaining independent investment managers.
Reporting to the client on a quarterly basis or at some other interval agreed upon with
the client, information on contributions and withdrawals in the client's investment
portfolio, and the performance of the client's portfolio measured against appropriate
benchmarks (including benchmarks selected by the client).
Proposing changes in the client's investment portfolio in consideration of changes in the
client's personal circumstances, investment objectives and tolerance for risk, the
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performance record of any of the client's investments, and/or the performance of any
fund retained by the client.
Clients are obligated to provide the firm with any reasonable investment restrictions that should
be imposed on the management of their portfolios, and to promptly notify the firm in writing of
any changes in such restrictions or in the their personal financial
circumstances, investment
objectives, goals and tolerance for risk. CAM, LLC will remind clients of their obligation to inform
the firm of any such changes or any restrictions that should be imposed on the management of
the client’s account. CAM, LLC will also contact clients at least annually to determine whether
there have been any changes in a client's personal financial circumstances, investment objectives
and tolerance for risk.
B.2. Financial Planning Services
CAM, LLC provides Comprehensive Financial Planning services. CAM, LLC will provide a written
or oral report (depending on the client’s preference) providing a financial plan designed to help
achieve their stated financial goals and objectives. Based on the client’s needs, financial
planning services may include (but are not limited to) the following:
Estate Analysis Insurance Analysis
Business Financial Plan Retirement Analysis
Investment Analysis Accumulation Funding Analysis
Tax Analysis Budget Construction/Analysis
Income Funding Analysis Special Project Work
CAM, LLC gathers required information through in-depth personal interviews and
questionnaires. Information gathered includes a client's current financial status, investment
objectives, future goals, and attitudes toward risk. Documents supplied by the client are carefully
reviewed, and recommendations provided covering one or more of the above-mentioned topics
as directed by the client.
CAM, LLC may provide advice regarding particular investments and securities, and these may
include investments currently owned by the client, or investments that CAM, LLC may
recommend to a client. The client is under no obligation to effect securities or insurance
transactions through CAM, LLC’s affiliates or related persons if they choose to act on or
otherwise implement any recommendations made in the financial plan.
A CAM, LLC representative will meet at least once per year with financial planning clients.
More frequent meetings may be available depending on complexity of a financial plan and
at the request of a client.
CAM, LLC uses an on-line tool to drive the financial planning process. All financial planning
clients are given access to the online tool and advice is generated by a CAM, LLC
representative through the application (“app”).
C. Client-Tailored Services and Client-Imposed Restrictions
Each client’s account will be managed on the basis of the client’s financial situation and
investment objectives and in accordance with any reasonable restrictions imposed by the client
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on the management of the account—for example, restricting the type or amount of security to
be purchased in the portfolio.
D. Wrap Fee Programs
CAM, LLC provides its portfolio asset management services exclusively through a wrap fee
program in which it provides investment management services for one all-inclusive fee. Please
refer to Appendix 1 of Part 2A: Creekmur Asset Management, LLC Wrap Fee Program Brochure.
E. Client Assets Under Management
December 31, 2022, CAM, LLC had $250,821,353 in discretionary assets under management.