Creative Financial Group Financial Opportunities

Financial Opportunities

for Self Employed Emergency Physicians

Creative Financial Group 16 Campus Boulevard 610.325.6113

Newtown Square, PA 19073

As an ER Doctor holding independent contractor status, the importance of receiving current and accurate information regarding insurance and personal wealth planning is critical.

Creative Financial Group serves as an advocate for our clients and puts some of the best minds in the business to work on your behalf ? ensuring you are taking advantage of all opportunities available as a self-employed professional. We'll work with you and around your busy schedule to develop and implement an integrated financial solution to meet your specific needs.

Our range of services is diverse and includes:

Life Insurance: Providing financial security can protect your loved ones and preserve your legacy. Take advantage of low rates based on age, sex, amount of coverage and condition of health. Health Insurance: There are tax deduction and tax-free withdrawal programs exclusively for professionals holding independent contractor status. Deduct up to 100% of the premiums paid for family health and dental insurance. Disability Insurance: Provides peace of mind in the event of an illness or injury that results in being unable to work. Maintain your lifestyle, preserve your savings, and keep your future plans intact.

Retirement Planning: Create and contribute to your own pension plan. Independent contractors can contribute up to $49,000 pre-tax dollars into their retirement plan. Those 50 and older have the opportunity to contribute an additional $5,500 per year. Tax Planning: Take advantage of all available tax deductions including home office deductions. This may include the business portion of real estate taxes, mortgage interest, rent, utilities, insurance, painting or repairs. Mileage and some meals may also be considered deductions. Wealth Management: Coordinate all aspects of your financial plan to ensure you are receiving the best scenario possible for your accumulated wealth.

Bernstein-Mazzola Associates, a team within Creative Financial Group, has a proven record of success helping self-employed Emergency Physicians achieve their personal and business goals. Many of our professionals possess the industry's highest credentials including the following designations and degrees: CPA, ChFC?, CLU?, JD, MBA, AEP, CAP, CASL. Find out how our team can help you. Contact John Mazzola at 610.325.6113.

C F G S t r a t e g i c P a r t n e r

Creative Risk Management, LLC

Find out how CFG's Strategic

Partners can boost profitability

and give you a competitive

advantage.

Creative Risk Management (CRM)

Creative Risk Management, LLC (CRM) offers a wide range of insurance products for individuals and businesses. The professionals at CRM bring over 45 years of expertise to their clients.

Why choose Creative Risk Management, LLC? ? Ease of doing business ? Proven track record ? Familiarity with products ? High customer satisfaction rating ? Extensive experience

When was the last time you reviewed and analyzed the coverage terms and conditions and exclusions of your property and casualty insurance policies? Choosing the right insurance program is an important decision. CRM recognizes this and designs customized programs that help protect their clients from risks while recommending industry best practices.

Creative Risk Management, LLC offers the following solutions: ? Property and Casualty Retail ? Commercial Lines ? Business Owner's Policy (BOP) ? Director's and Officer's Liabilities ? Aircraft ? Workers' Compensation ? Environmental

Personal Lines Coverage ? Automobile ? Homeowners ? Renters/Condominium ? Valuable Articles ? Watercraft

Contact your CFG representative to find out how Creative Risk Management, LLC can help your business.

Creative Financial Group has established formal and informal relationships with a variety of vendors and professionals to help address your corporate needs and objectives, above and beyond the financial solutions that we provide. You may choose to take advantage of our relationships and suggestions, or you may choose to work with your own established vendors and professional advisers. These partners are separate entities from the Creative Financial Group and are independently responsible for the products and services that they provide.

CFG Strategic Partners

Customized Business Solutions

CCRREEAATTIIVVEE FFIINNAANNCCIIAALL GGRROOUUPP

Positively Impact Your Bottom Line

Since 1976, Creative Financial Group (CFG) has been providing a wealth of intellectual capital and experience to help clients analyze their financial situations and implement comprehensive solutions for their personal affairs. Now, through our Strategic Partners, we can also help you fill unmet business needs.

Gain Competitive Advantage

Put CFG's ancillary services to work for you. Our Strategic Partners will provide valuable recommendations to help you leverage internal resources and boost profitability in the areas of employee benefits, retirement plans, risk management, asset management and/or strategic sourcing.



Strategic Partner Services

Cost Reduction & Spend Management

CFG's Strategic Partners will help you identify and implement new strategies to deliver savings without compromising quality. This allows for identification and maximization of potential opportunities associated with process improvements and cost reduction within your business's non-payroll expenses and purchasing contracts.

Employee Benefits and Retirement Planning

Our Strategic Partners always look for sound, creative ideas and solutions to help you control costs and maintain compliance. They combine technology and expertise to help support and leverage your internal staff and improve benefit communication with your employees.

Risk Management

CFG's Strategic Partners will coordinate and integrate all of your property casualty coverage and carriers. This ensures that you will benefit from the most cost-effective plans; it also eliminates any gaps in personal and/or business lines coverage.

Asset Management

Gaining a clear understanding of your financial situation before making recommendations around your needs and wants is the prime motivation of our Strategic Partners. Consequently, they will design a dynamic, customized investment management plan for you.

Business Banking and Mortgage Services

CFG's Strategic Partners offer unsurpassed peace of mind thanks to their strong business relationship with some of the top mortgage originators in the country. They believe in the core values of conducting business with sincerity, truth and fairness ?essential elements to building wealth and financial freedom.

The Advantages are Clear

Independent, objective advice

Effective new ideas for cost reduction strategies

Improved bottomline

Better leverage of existing human resources

Improved compliance and mitigation of risks

Greater employee satisfaction and reduced turnover

Access to a wider range of programs

Start Now

Contact your CFG representative to find out how our Strategic Partners can boost profitability and give you a competitive advantage!

610.325.6100

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