Investing How You Live…

BFVI 012019

Biblical Faith Values Investing

Creativeinancial Designs

“Better the little that the righteous have than the wealth of many wicked; for the power of the wicked will be broken, but the Lord upholds the righteous.”

Psalm 37: 16-17

that your invested assets are in union with your beliefs and how you live? If so, we have created an investment managed account strategy that fi lters and uses investments that fi lter for Biblical Responsible Investing. We believe your investment portfolio should be based on your risk tolerance, time horizon, and investment goals. We then use investments that screen out companies involved in non-moral activities and other issues. These issues may include: abortion, pornography, anti-family entertainment, non-married lifestyles, tobacco, and gambling as well as other issues that might be important to you. This keeps your investments working the way you might be trying to live. We monitor these investments and others to build a well-diversifi ed portfolio based on your needs and objectives. If you would like to know your hard-earned money is invested in companies that you would support based on your values, ask your adviser how to get started today.

Would You Like To Know...

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“Keep your lives free from the love of money and be content with what you have, because God said, ‘Never will I leave you, never will I forsake you.’”

Hebrews 13:5

Creative Financial Designs, Inc.is an Investment Adviser registered with the SEC. We primarily work with our trusted advisers to provide investment management services for all of your hard-earned investments. Every client has an individual risk tolerance, time horizon, and investment goal. Our investment management team understands that each one of your investment goals require individual consideration. That is why we off er many options.

Founded 1982, Creative Financial Designs has focused on the needs of individual advisers to help clients reach their goals. We use a disciplined investment strategy while actively monitoring your investments and portfolio. We do not try to hit a home run; but we do believe consistent, prudent discipline is the best way to reach your investment goals.

Biblical Faith Values Investing • 3

We believe you deserve to be able to invest your hard earned money consistent with your own values.

• CFD4

• Funds

• Combination

• Individual Equities

• Inspire ETF Focused

“Wealth gotten by vanity shall be diminished: but he that gathered by labor shall increase.”

Proverbs 13:11

Brokerage Account Management

Investment Management Strategies

How it Works

Creative Financial Designs, Inc. off ers the Biblical Faith Values strategies for individuals that are concerned about how their money is invested in brokerage accounts. As described below, Creative Financial Designs off ers investment management products and services to match how clients try and live their lives.

Your adviser helps you and other clients that are concerned about their investments open a brokerage account. As a client, you select your portfolio objective for your managed brokerage account. Our investment management team will build and manage your account with selective mutual funds, etfs, and/or equities depending on your strategy choice that profess to be investing in a Biblical way or pass our Biblical screening process. You can rest assured your portfolio is invested as you live your life and not supporting companies you wouldn’t approve of.

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“So give back to Caesar what is Caesar’s, and to God what is God’s.”

Matthew 22:21

Variable Annuity Management

Your trusted adviser may discuss with you the option of using a variable annuity for reasons such as possible tax-deferred growth. Insurance companies each have their own products with possible special options to help individual fi nancial situations. If the Jeff erson National Monument Advisor variable annuity is appropriate for your situation our investment management team can manage your investment contract with our Biblical Values Overlay. Our investment management team will analyze the available investment options and use the ones that best support Biblical values. Our team will continually monitor your investments inside your selected investment objective, letting you rest assured your investments best support the companies you would support and avoid the ones you would avoid.

Creative Financial Designs, Inc. investment management team understands that each client has diff erent investment needs. Your fi nancial and investment needs may include a variable annuity. Our team off ers a Biblical investment overlay for our clients within a managed variable annuity contract.

How it Works

Biblical Faith Values Investing • 5

Investment PortfoliosCreative Financial Designs, Inc. provides you personalized portfolio management services for possibly all of your investment needs. With three management platforms using fi ve strategic diversifi cation portfolios and several investment strategies, our team develops your portfolio based on your goals, risk tolerance, and time horizon. Below is a simple breakdown of our fi ve investment portfolio models.

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General Allocation Breakdown:

Conservative Moderately Conservative

ModerateModerately Aggressive

Aggressive

Less Volatile More Volatile

Diversifi cation of each portfolio is much more complex than the overall generalization shown above. Your account will be invested differently than above and changes can and will occur any time without notice.

5% Cash67% Bonds

23% Domestic Equities5% International Equities

5% Cash52% Bonds

33% Domestic Equities10% International Equities

2% Cash30% Bonds

48% Domestic Equities20% International Equities

2% Cash20% Bonds

53% Domestic Equities25% International Equities

2% Cash6% Bonds

61% Domestic Equities31% International Equities

MACROECONOMICREVIEW

PORTFOLIO REBALANCE

STRATEGY DEVELOPMENT

ASSET ALLOCATION OPTIMIZATION

PORTFOLIO MODEL EXAMINATION

PORTFOLIO IMPLEMENTATION

INVESTMENT REVIEW

INVE

ST

MENT DECISION & IMPLEMENTATION

ECONOMIC & GEOPOLITICAL

MARKET OVERSIGHT

INDIVIDUAL INVESTMENT ANALYSIS

For more specifi c information on the management process, check out the related Investment Strategy Summary or videos online.

“Honor the Lord with all your wealth, with the fi rst fruits of all your crops.”

Proverbs 3:9

“For where your treasure is, there your heart will be also.” Matthew 6:21

Faith ValuesBrokerage Returns

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Mod

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Con

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Mod

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Mod

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Agg

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Agg

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2011 Mutual Funds 1.69% 0.36% -0.96% -1.54% -3.05%

2012 Mutual Funds 6.93% 7.01% 8.05% 10.75% 9.80%

2013 Mutual Funds 5.35% 9.46% 16.64% 20.92% 25.39%

2014 Mutual Funds 2.87% 3.88% 5.23% 6.15% 5.50%

2015 Mutual Funds -1.80% -2.97% -2.53% -2.08% -2.35%

2016 Mutual Funds 3.22 5.08 4.98 5.93 6.30

2016 Combination 4.01 6.25 7.88 8.36 11.23

2016 Individual Equities - 5.88 9.22 8.96 -

2017 Mutual Funds 6.14 7.69 12.55 15.38 17.49

2017 Combination 6.08 8.65 13.13 13.99 15.69

2017 Individual Equities - 5.45 7.73 12.18 -

2017 Inspire Focused 6.59 7.90 11.06 12.31 13.57

5 YR Average Mutual Funds 3.16 4.63 7.37 9.26 10.47

Investment Risk All investments entail risk, and these risks could result in the loss of principal in your investment. There is no guarantee of returns. If there are historic or hypothetical returns identified in this piece, these are provided as informational only, and should not be read as an indication about the returns that you should expect to receive as a result of this investment. Past performance is not an indication of future results.

Model PortfoliosPortfolios are allocated pursuant to models determined by Creative Financial Designs, Inc., (Designs) which is solely responsible for the content of each model, and the selection of specific investments within the confines of each asset class and model. Designs has discretion to change the model at any time, and will make changes to the model based on current or anticipated market conditions, as deemed appropriate. Any references to percentages of assets in a model portfolio are subject to the discretion of the management team, and are subject to change at any time, without notice.

Variances Among AccountsEach Designs Investment model is merely a guideline, and there may be variance between investment holdings, and therefore returns, in any particular account versus the model allocation. In some instances, these differences may be material. Additionally, there may be some differing holdings among customers investing in the same investment model portfolio. Some of these differing holdings are the result of limited investment options, such as would be the case in self-directed retirement accounts, and/or managed variable annuity accounts. Additional variances could arise due to such things as, without limitation: • programmed reallocations by an issuer,

pursuant to particular product terms and conditions

• special reallocation requests by the client• timing issues, e.g. investors purchase a fund

that subsequently is no longer available for new purchasers, so later investors invest in a comparable (though not identical) investment

• size of an investment account• additional strategic options selected by a

client, e.g. a client uses the invest over time option or an alternative investment rider option

• additional contributions to an account, or one-time or systematic withdrawals from an account

• the fact that transactional charges may make a reallocation disadvantageous to a particular client, or due to the investment strategy which the client has selected

• tax implications applicable to an individual investment or account

• opening of new investments• closing of investments to new investors• minimum investment amounts applicable to

investments

Client Choices Influencing Returns in the AccountPlease note that your choices as a client may influence the returns in your account, and may not mirror returns of holdings of other investors in the same model portfolio. Some of your choices that may affect the account include:• Making additional contributions to your account• Making withdrawals from your account• Putting special restrictions on your account,

either to hold a particular security, to avoid a particular security, to hold additional cash, etc.

• Selecting an add-on strategy such as the Invest Over Time option or selecting an Alternative Investment Rider

Reported Returns based on Actual Client PerformanceInvestment returns reported for a model portfolio are based on a sampling of actual client account returns. The numbers reported as actual client returns for a given year are an average of actual returns, net of fees and expenses (including Creative Financial Designs, Inc. management fees; internal fund fees; ticket charges, as applicable; and other miscellaneous fees) for managed brokerage accounts, and only such accounts that have been retained throughout the given year (i.e. not opened or closed within the reporting period.

For actual performance numbers for period prior to December 31, 2014, accounts have been excluded from the general sample if a client has requested any of the following during the review period:

• A withdrawal of some of their funds• Opening or Closing the account• A contribution to the account• A reservation or restriction on the account

identifying that certain securities either should or should not be sold at a given time

• A change in investment strategy or portfolio allocation

• Use of an additional strategic overlay, such as the Invest Over Time option, the TaxWise Option

• Use of an Alternative Investment Rider

Since January 1, 2015, the firm has been utilizing Black Diamond software for the calculation of its returns. For actual performance numbers reported for any reporting periods after January 1, 2015, accounts have been excluded from the calculation sample if the client has requested any of the following during the review period.

• Accounts with Systematic Distributions in place

• Opening or Closing the account• Use of an additional strategic overlay, such

as the Invest Over Time option, the TaxWise Option

• Use of an Alternative Investment Rider

It should be noted that accounts including client restrictions are included in these calculations, though the client restricted positions are excluded from the calculation.

Additionally, it should be noted that though systematic or anticipated withdrawals associated with an account will exclude the account from the calculation of returns, one-time or multiple withdrawals that are not anticipated by the firm will not exclude the account from the calculation of returns. This is the case because unanticipated client withdrawals do not necessitate the account to be allocated with higher than normal cash positions, which would be the case for anticipated or systematic client withdrawals. Regardless of this calculation method, however, clients are advised to reach out to their financial adviser to discuss the needs for funds in advance of requesting a withdrawal, so that the firm can anticipate those returns and minimize the risk of selling an investment at inopportune times.

The returns do not include managed self-directed company retirement accounts, managed variable annuity contracts, or brokerage accounts utilizing individual stocks or bonds. The returns reflect the reinvestment of dividends and other earnings.

Certain investments managed by Designs have surrender charges that may be incurred upon withdrawal of funds, or fees which are not consistent with the fees and expenses in managed brokerage accounts. Actual returns for such accounts do not reflect those fees, expenses and charges, which would reduce the returns realized by persons making early withdrawals from such products.

Returns do not take tax considerations into effect, which may affect the returns and the level of profitability of an account over time. Designs does not provide legal or tax advice.

Reported returns are historical in nature, and past performance is not indicative or future results.

Mutual funds, ETF’s, and variable annuity products pay management fees to professional investment managers, which fees are separate and in addition to the management fees of Creative Financial Designs, Inc. The professional management fees paid by such investment vehicles are born by investors and reduce the net asset value, and therefore the returns, of the respective fund shares.

This piece does not reference any hypothetical returns for any of its investment rate of return figures quoted.

Biblical Faith Values Portfolio - Determination of Qualified Investments.The determination of which investments are consistent with Biblical Faith Values is determined at the sole discretion of the management team. CFD utilizes multiple screening tools and other resources, and also relies upon the stated objectives of fund companies to determine that it is maintaining investments that are consistent with Biblical Faith Values. It is acknowledged, however, that particular investors may disagree with a particular fund company or the management team’s assessment of how well particular investments comply with the goal of investing assets consistent with Biblical Faith Values. CFO cannot provide a guarantee that in all respects their assessment and that of related fund companies will be consistent with the views of any particular client.

Limitations of Investment Options.The Biblical Faith Values strategy limits the pool of potential investments available to the applicable portfolios. This limitation does reduce potential diversification. Performance of portfolios with these limitations will vary from similar portfolios without those allocation restrictions.

General Information about Portfolio ReturnsThe portfolio returns identified herein demonstrate a limited track record of investing according to this model, and is subject to the particular market conditions at the time of that investing. Past performance is not indicative of future results.

Affiliation with CFD InvestmentsDesigns is owned and controlled by several persons who also have financial interests in cfd Investments, Inc. (CFD), a registered broker/dealer, member FINRA and SIPC. Designs is also co-located with CFD, and several persons associated with CFD are also associated with Designs. When appropriate, assets of clients managed by Designs will be maintained in accounts established at CFD.

Toll Free: 800.745.7776 • www.creativefinancialdesigns.comAdvisory Services are Provided through Creative Financial Designs, Inc., a Registered Investment Adviser.

2704 South Goyer, Kokomo, IN 46902 765.453.9600

Creativeinancial Designs