Frederick Joseph Cornelius Iii

WILLIAMS ASSET MANAGEMENT

COLUMBIA, MD · CRD#

OSAIC WEALTH, INC.

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LPL FINANCIAL LLC

GAITHERSBURG, MD · CRD#

WILLIAMS ASSET MANAGEMENT

COLUMBIA, MD · CRD#

Contact Information

Direct

(xxx) xxx-xxxx

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Disclosures are events reported to regulators, such as customer disputes, regulatory actions, employment separations, or financial events. Some are resolved, denied, or contested — a disclosure is not a verdict. We recommend asking an advisor directly about any disclosure on their record.

Disclosures on record.

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities. Check for any disclosures as part of your thorough research when choosing an advisor.

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WILLIAMS ASSET MANAGEMENT

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Credentials

CFP®

Certified Financial PlannerSince 1991

Years of Experience

39 years registered in the securities industry

Current & Past Employments

Current

CREATIVE PLANNINGCurrent·CRD# 105348

RIA

6116 Executive Blvd., Suite 550, North Bethesda, MD 20852

November 25, 2025 - Present

Past

BURT WEALTH ADVISORSPast·CRD# 105211

RIA

North Bethesda, MD

April 17, 2001 - March 27, 2026

CETERA WEALTH SERVICES, LLCPast·CRD# 13572

BD

February 26, 1987 - February 6, 1992

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WILLIAMS ASSET MANAGEMENT

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Customer Relationship Summary (CRS / SEC)Latest Form ADV

Current Firm

CP

CREATIVE PLANNING

CRD#: 105348 / SEC#: 801-18564

RIA

Registered Investment Advisory firm - SEC (3/18/1983 Approved)

Contact Information

Main Address

5454 W. 110th Street, Overland Park, KS 66211

Phone Number

(866) 909-5148

# of Employees

1,650

SEC notice filing (53 States and Territories)

Registered to provide investment advisory services in 53 US states and territories.

Documents

Part 2 Brochures

CREATIVE PLANNING FIRM BROCHURE (3/31/2026)

Regulatory Assets Under Management

Total Number of Accounts

320,323

AUM (Assets Under Management)

$295,568,603,071

Accountant Surprise Examination Report

Filing Date	Form ADV-E Cover	Form ADV-E Report
06/27/2025	Cover Page	Report
09/19/2024	Cover Page	Report
01/03/2024	Cover Page	Report

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Other business activities

Information obtained from regulatory filings. Advisors can request corrections through their firm or regulator.

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

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Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

CP

CREATIVE PLANNING

CRD#: 105348 / SEC#: 801-18564

RIA

Registered Investment Advisory firm - SEC (3/18/1983 Approved)

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

IAR

Maryland
(11/25/2025)

IAR

Texas
(11/25/2025)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

Financial professionals may take different exams throughout their careers based on the types of services they provide and roles they perform.

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CRS (Client Relationship Summary) - RIA

CP

CREATIVE PLANNING — Registered Investment Advisory firm

Version Date: Fri, Mar 29, 2024

Creative Planning, LLC is registered with the Securities and Exchange Commission (SEC) as an investment adviser. Brokerage and investment advisory services and fees differ and it is important for you to understand these differences.

There are free and user-friendly tools available to research firms and financial professionals at Investor.gov/CRS, which also provides educational materials about broker-dealers, investment advisers, and investing.

We offer investment advisory services to retail clients. We typically utilize bonds, equities, ETFs, mutual funds, and alternative investments to build diversified portfolios for each client. We offer portfolio management, retirement planning, financial planning, and sub-advisory services. We monitor client portfolios on an ongoing basis and make adjustments consistent with their investment objectives and goals. We do not make adjustments based on market timing or hunches but will periodically rebalance or tax loss harvest when necessary.

For discretionary accounts, the client gives us the authority to make trades when we feel it is appropriate, without consulting the client in advance. For non-discretionary accounts, the client must give usspecific approval before we make any trades. Non-discretionary accounts limit our ability to proactively manage the account, especially in times of market volatility. The client agreement will specify the type of account the client has with us. We generally require a minimum account size of $100,000.

For additional information, please see Items 4, 7, 8, and 13 of our Disclosure Brochure (Form ADV Part 2A).

Questions to ask your Professional:

Given my financial situation, should I choose an investment advisory service? Why or why not?
How will you choose investments to recommend to me?
What is your relevant experience, including your licenses, education and other qualifications?
What do those qualifications mean?

Our fees are based on a percentage of client assets that we manage and do not vary based on investment type. We typically deduct fees from clients’ investment accounts each quarter in arrears. The more assets you have in the account, including cash and margin, the more you will pay us, therefore we have an incentive to encourage you to increase the assets in your account in order to increase our fees. We charge our fee even if we do not buy or sell assets in your account, or if your account is profitable or not.

You will have additional fees or costs in addition to our management fee for certain investments listed below.

Some investments, such as mutual funds and exchange traded funds, impose additional fees that will reduce the value of your investment over time.
Assets managed by a sub-advisor are subject to the subadvisor’s management fee as well as our fee.
For certain investments, you will pay a transaction fee. You will also pay fees to an unaffiliated custodian (such as TD Ameritrade, Charles Schwab, or Fidelity) that will hold your assets (called “custody”). We do not receive any portion of these fees.

You will pay fees and costs whether you make or lose money on your investments. Fees and costs will reduce any amount of money you make on your investment over time. Please make sure you understand what fees and costs you are paying. For additional information, please see Item 5 of our Form ADV Part 2A.

Questions to ask your Professional:

Help me understand how these fees and costs might affect my investments. If I give you $10,000 to invest, how much will go to fees and costs, and how much will be invested for me?

When we act as your investment adviser, we are required to act in your best interest and not put our interests ahead of yours. At the same time, the way we make money creates some conflicts with your interests. You should understand and ask us about these conflicts because they can affect the investment advice we provide you. Here are some examples to help you understand what this means:

Retirement Plan Rollovers to an IRA - our advisory fees may be higher than your retirement plan fee
Margin – margin increases the account size subject to our advisory fee
Referrals to or from our related entities: comparable services may be available elsewhere for less cost
Benefits received from our custodians

For additional information about our conflicts of interest, please see Items 10, 12, & 14 of our Form ADV Part 2A.

Questions to ask your Professional:

How might your conflicts of interest affect me, and how will you address them?

Our financial professionals are paid a salary however our employees are eligible for awards based on the firm’s performance. We have implemented a partnership program which qualifying employees are granted and/or may purchase partnership units based on length of service to the firm and performance. Employees also receive compensation for certain client referrals. A conflict of interest exists where an employee could be motivated to increase assets at the firm regardless of the client’s best interest, however, we are required to always act as a fiduciary when working with our clients. For additional information, please see Item 14 of ourForm ADV Part 2A.

Services Offered by Frederick

Financial Planning
Investment Management
Estate & Legacy Planning
Education Funding
Retirement Planning

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