Investing

How You Live

Biblical Faith Values Investing

Since 1982

BFVI 02-2014

WOULD YOU LIKE

TO KNOW
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 uses mutual fund companies that develop investment allocations consistent with Biblical Faith Values. We believe your investment portfolio should be based on your risk tolerance, time horizon, and investment goals. We then use mutual fund companies that screen out investments involving 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-diversied 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.

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

Creative Financial Designs Inc., (CFD)

is a 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 offer you so many choices.

Founded 1982, CFD 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.

You deserve to be able to invest your hard earned money consistent with your own values.

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

Brokerage Account Management

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

Wealth gotten by vanity shall be diminished: but he that gathered by labor shall increase.
Proverbs 13:11

How it Works
Your adviser helps you and other clients that are concerned about their investments open a brokerage account with custodians NFS and RBC. As a client, you select your investment objective (this is the risk tolerance our team will take with your portfolio) for your managed brokerage account. Our investment management team will build and manage your account with selective mutual funds 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 wouldnt approve of.

Investment Portfolios
Creative Financial Designs, Inc. provides you personalized portfolio management services for possibly all of your investment needs. With three management platforms using ve asset allocation 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 ve investment portfolio models.

Conservative Income Less Volatile

Income

Conservative Growth

Growth

Aggressive Growth More Volatile

General Allocation Breakdown

10% Cash 70% Bonds 15% Domestic Equities 5% International Equities

10% Cash 45% Bonds 35% Domestic Equities 10% International Equities

5% Cash 35% Bonds 50% Domestic Equities 10% International Equities

0% Cash 25% Bonds 60% Domestic Equities 15% International Equities

0% Cash 10% Bonds 70% Domestic Equities 20% International Equities

Portfolio allocations are subject to change by Creative Finical Designs, Inc. without notice.

But divide your investments among many places, for you do not know what risks lie ahead.
Ecclesiastics 11:2

Biblical Faith Values Brokerage Returns

** 2009 returns ** 2010 returns 2011 returns 2012 returns 2013 returns

Con se Incorvativ me e

Con se Gro rvativ wth e

11.32% 16.06% 15.68% 20.24% 21.21% 6.26% 1.69% 8.18% 12.71% 15.19% 16.30% .36% -.96% -1.54% -3.05%

6.93% 7.01% 8.05% 10.75% 9.80% 5.35% 9.46% 16.64% 20.92% 25.39%

5 Year Average Return 6.27% 8.10% 10.23% 12.80% 13.48%

**The numbers reported as model returns in 2009 and 2010 are hypothetical returns, net of fees and expenses including a 1.50% annual management fee, based on simulated real-time trading in accordance with the goals and objectives of the particular model portfolios, and the Biblically Based investment style. CFD has been managing Biblical Faith Value portfolios since mid 2009, however, above returns in 2009 and 2010 only are based on model returns due to the limited number of clients investing according to the strategy.

Agg r Gro essive wth

Gro wth

Inco

me

Variable Annuity Management

Creative Financial Designs, Inc. investment management team understands that each client has different investment needs. Those needs may be tax related. Because of this situation, our team offers a Biblical investment overlay for our clients within a managed variable annuity contract.

So give back to Caesar what is Caesars, and to God what is Gods.

Matthew 22:21

How it Works
Your trusted adviser may discuss with you the option of using a variable annuity for reasons such as possible taxdeferred growth. Insurance companies each have their own products with possible special options to help individual nancial Situations. If the Jefferson National Monument 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 your would avoid.

Investment Portfolios
Conservative Income Less Volatile Income Conservative Growth Growth Aggressive Growth More Volatile

General Allocation Breakdown

10% Cash 70% Bonds 15% Domestic Equities 5% International Equities

10% Cash 45% Bonds 35% Domestic Equities 10% International Equities

5% Cash 35% Bonds 50% Domestic Equities 10% International Equities

0% Cash 25% Bonds 60% Domestic Equities 15% International Equities

0% Cash 10% Bonds 70% Domestic Equities 20% International Equities

Portfolio allocations are subject to change by Creative Finical Designs, Inc. without notice.

Honor the Lord with all your wealth, with the rst fruits of all your crops.
Proverbs 3:9

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

Disclosures for Creative Financial Designs, Inc. Model Portfolios Portfolios 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 specic investments within the connes 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. Variances Among Accounts Each model is merely a guideline, and there may be some variance between investment holdings in any particular account versus the model allocation. Additionally, there may be some diering holdings among customers investing in the same investment model portfolio. Some of these diering holdings are the result of limited investment options, such as would be the case in managed 401(k) or 403(b) accounts, or managed variable annuity accounts. Additional variances could arise due to programmed reallocations by an issuer, pursuant to particular product terms and conditions, or based on special requests by the client. Other variances may be the result of timing issues, i.e. investors purchase a fund that subsequently is no longer available for new purchasers, so later investors invest in a comparable (though not identical) investment. Some variances may arise due to the size of an investment account, and the fact that transactional charges may make a reallocation disadvantageous to a particular client. Variances in particular investments will result in diering returns among dierent investors within a particular model portfolio. 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 teams assessment of how well particular investments comply with the goal of investing assets consistent with Biblical Faith Values. CFD 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. The Biblical Faith Values strategy limits the pool of potential investments available to the applicable portfolios. Performance of portfolios with these limitations will vary from similar portfolios without those allocation restrictions. The portfolio returns identied 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. Returns do not take tax considerations into eect, and it is recognized that the tax treatment on accounts may aect the returns and the level of protability of an account over time. Designs does not provide legal or tax advice. Aliation with CFD Investments Designs is owned and controlled by several persons who also have nancial interests in cfd Investments, Inc. (CFD). Designs is also colocated with CFD, and several persons associated with CFD are also associated with Designs. When appropriate, assets of clients managed by Designs will be maintained at accounts established at CFD, or through clearing rms established through relationships with CFD. Aliations with Other Companies Designs is not aliated with the RBC, NFS, or the Jeerson National companies.

Mission Statement
To provide unique and valuable investment services to all clients while honoring our Kingdom Values in guiding our work and lives. We are dedicated to providing individuals, families, businesses, and organizations with quality nancial products and/or services for the achievement of their goals and objectives. That is why we have created the cfd family of companies. Visit the Home of the cfd Companies at www.cfconline.com.

800.745.7776 www.creativefinancialdesigns.com

Advisory services are provided through Creative Financial Designs, Inc., Registered Investment Adviser. 2704 South Goyer Road, Kokomo, IN 46902 765.453.9600