Creative Money LLC

Joann Nieciecki is a financial advisor at Creative Money LLC with a Series 65 credential and three years of industry experience. She previously worked at Dost Valuation Group, Ltd for 18 years before joining Creative Money in 2022. Creative Money LLC provides fee-only financial planning focused on retirement, cash flow, tax, estate, business, and insurance planning for individual clients. The firm offers written financial plans and strategy sessions with investment recommendations that typically emphasize passive, low-cost asset-class exposures, without managing client assets directly.

Samantha Kirby is a CFP® and holds a Series 65 license with eight years of industry experience. She has been with Creative Money LLC since 2015, where she currently works as part of a four-advisor team. Creative Money LLC provides fee-only financial planning focused on retirement, cash flow, tax and estate planning, business planning, and insurance review. The firm offers written and electronic financial plans with investment recommendations favoring passive, low-cost asset classes, but does not manage client assets or execute trades.

Martha Mc Neely is a financial advisor at Creative Money LLC with one year of industry experience. She holds a Series 65 designation and has a background that includes ownership of Buoy Financial Services, which provides bookkeeping services for therapists and helping professionals, and Martha McNeely Psychotherapy, PLLC, offering individual therapy in Washington state. Creative Money LLC provides fee-only financial planning focused on retirement, cash flow, tax and estate planning, business planning, and insurance review. The firm delivers written or electronic financial plans without managing client assets, typically recommending passive, low-cost investment strategies.

Penelope Claire Holmes is a CFP® professional with two years of industry experience. She is currently with Creative Money LLC and previously worked at Compass Wealth Management, LLC and E*Trade Securities LLC. Holmes also operated Piedmont BARK, a pet-related business, for eight years. Creative Money LLC offers fee-only financial planning focused on retirement, cash flow, tax, estate, and business planning for individual clients. The firm provides written or electronic plans and strategy sessions without managing client assets, favoring passive, low-cost investment recommendations.

Melinda Crary is a CFP® professional with 21 years of industry experience. She has been with Creative Money LLC since 2011. Outside of her advisory role, she manages Mindy Crary LLC, providing business coaching and training services. Creative Money LLC offers fee-only financial planning focused on retirement, cash flow, tax, estate, and business planning for individual clients. The firm provides written plans and strategy sessions without managing assets, typically recommending passive, low-cost investment approaches.