MG
Michael H. Graef
CREATIVE FINANCIAL DESIGNS
Gilroy, CA 95020
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CRD#: 5042851
MG
Professional summary
Michael Helmut Graef, CFP®, who also goes by Michael H Graef, is a registered financial advisor currently at CREATIVE FINANCIAL DESIGNS, INC. located in Gilroy, California and INSPIRE INVESTING, LLC located in Hollister, California.
Michael is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2005. Michael has worked at 6 firms and has passed the Series 66, Series 63, SIE and Series 7 exams.
Question & Answer
Are you a "fiduciary"?
Yes
Aliases
Michael H Graef
Other business activities
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.
1)CHRISTIAN WEALTH MANAGEMENT(DBA);SOLE PROP: OWNERSHIP:100%;TIME:96%;TERM:INDEFINITE;COMP:100% 2)CHRISTIAN WEALTH MANAGEMENT; CORP; Financial Planner; 11% OWNERSHIP; 1% TIME SPENT; 1% TOTAL COMP; TERM INDEFINITE; 3)INSPIRE INVESTING, LLC-RIA; Minority ownership-Non-voting CORPORATE OFFICER; 11% OWNERSHIP; 1% TIME SPENT; 1% COMP; OFFICER; OVERSEE WITH OTHER MANAGERS CWM ADVISORS, NON-PROFIT ACTIVITY; INDEFINITE 4)CREATIVE FINANCIAL DESIGNS 5)INSURANCE SALES; INVESTMENT-RELATED; 8000 SANTA TERESA BLVD STE 130, GILROY, CA 95020; SELLING INSURANCE AS PART OF ESTATE PLANNING PROCESS; CFD; 1/10/2024; 1 HOURS/MONTH; 1 HOURS/MONTH; AS PART OF LARGER ESTATE PLANNING PROCESS, I LOOK AT LIFE INSURANCE, LONG TERM CARE INSURANCE AND OTHER APPROPRIATE INSURANCE OPTIONS
CRS (Client Relationship Summary) - RIA
Click below to view Michael Helmut Graef's CRS (Customer Relationship Summary).
Certified licenses
Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®
CFP®
Start date: 2013
Experience
Current
July 24, 2015 - Present
CREATIVE FINANCIAL DESIGNS, INC.
Office #1: 8000 Santa Teresa Blvd Ste 130, Gilroy, CA 95020RIA
CRD#: 109032
Gilroy, CA
Current
August 5, 2015 - Present
INSPIRE INVESTING, LLC
Office #1: 650 San Benito St Ste 130, Hollister, CA 95023RIA
CRD#: 171988
Hollister, CA
Current
July 24, 2015 - Present
CFD INVESTMENTS, INC.
Office #1: 8000 Santa Teresa Blvd Ste 130, Gilroy, CA 95020BD
CRD#: 25427
Gilroy, CA
Past
February 28, 2012 - July 24, 2015
NEXT FINANCIAL GROUP, INC.
RIA
CRD#: 46214
SANTA CLARA, CA
Past
February 24, 2012 - July 24, 2015
NEXT FINANCIAL GROUP, INC.
BD
CRD#: 46214
SANTA CLARA, CA
Past
March 26, 2007 - January 26, 2012
STRATEGIC ADVISERS LLC
RIA
CRD#: 104555
SUNNYVALE, CA
Past
December 20, 2005 - January 26, 2012
FIDELITY BROKERAGE SERVICES LLC
BD
CRD#: 7784
SUNNYVALE, CA
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".
II
INSPIRE INVESTING, LLC
CHRISTIAN WEALTH MANAGEMENT | NETZLY, ROBERT | INSPIRE INVESTING, LLC | INSPIRE | CWM ADVISORS, LLC
CRD#: 171988 / SEC#: 801-108947
RIA
Registered Investment Advisory firm - (1/20/2017 Approved)California
Registered Investment Advisory firm - (2/23/2017 Terminated)Indiana
Registered Investment Advisory firm - (1/25/2017 Terminated)Louisiana
Registered Investment Advisory firm - (1/25/2017 Terminated)Ohio
Registered Investment Advisory firm - (1/25/2017 Terminated)Oklahoma
Registered Investment Advisory firm - (1/24/2017 Terminated)Tennessee
Registered Investment Advisory firm - (1/24/2017 Terminated)Texas
Registered Investment Advisory firm - (1/24/2017 Terminated)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.RR
indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.Visual representation of state registrations
RR
Arizona(1/2/2024)
RR
Arkansas(1/11/2017)
RR
California(7/24/2015)
IAR
California(7/27/2015)
RR
Colorado(9/9/2016)
RR
Florida(11/4/2025)
RR
Idaho(1/4/2019)
RR
Illinois(6/25/2020)
RR
Kentucky(1/4/2022)
RR
Louisiana(3/24/2025)
RR
Massachusetts(1/4/2022)
RR
Missouri(10/18/2022)
RR
Montana(6/15/2021)
RR
Nevada(1/6/2021)
RR
Ohio(7/24/2015)
RR
Oklahoma(2/28/2022)
RR
Oregon(7/24/2015)
RR
Pennsylvania(1/3/2020)
RR
South Carolina(9/14/2018)
RR
Tennessee(1/25/2019)
RR
Texas(3/17/2016)
IAR
Texas(5/11/2017)
RR
Utah(1/30/2017)
RR
Virginia(7/24/2015)
RR
Washington(7/24/2015)
Exams
State Security Law Exam
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
SRO Registrations
RR
FINRA
Current Firm
II
INSPIRE INVESTING, LLC
CHRISTIAN WEALTH MANAGEMENT | NETZLY, ROBERT | INSPIRE INVESTING, LLC | INSPIRE | CWM ADVISORS, LLC
CRD#: 171988 / SEC#: 801-108947
RIA
Registered Investment Advisory firm - (1/20/2017 Approved)California
Registered Investment Advisory firm - (2/23/2017 Terminated)Indiana
Registered Investment Advisory firm - (1/25/2017 Terminated)Louisiana
Registered Investment Advisory firm - (1/25/2017 Terminated)Ohio
Registered Investment Advisory firm - (1/25/2017 Terminated)Oklahoma
Registered Investment Advisory firm - (1/24/2017 Terminated)Tennessee
Registered Investment Advisory firm - (1/24/2017 Terminated)Texas
Registered Investment Advisory firm - (1/24/2017 Terminated)Upgrade to AdvisorCheck Premium
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Contact information
Main Address
3597 E Monarch Sky Ln Suite 330, Meridian, ID 83646
Mailing Address
Phone number
(877) 658-9473
Established
Firm type
Fiscal year end
# of Employees
34
SEC notice filing (15 States and Territories)
Regulatory assets under management
| Total Number of Accounts | 463 |
| AUM (Assets Under Management) | $ 2,856,919,716 |
Red Flags
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.
