to 2026
CFD Companies · cfd Investments, Inc. · Creative Financial Designs, Inc.
Bacon
"We are confident that Brett is now in the presence of his Savior, and while he will be deeply missed by his colleagues, clients, friends and family, we hold fast to the hope of heaven. Our prayers are with all who loved him."
Payout schedule based on trailing 12-month Gross Dealer Concession. Grid level set by prior-year GDC.
| Dealer Concession | Effective Payout |
|---|---|
| ≤ $49,999 | 75% |
| $50,000 – $99,999 | 80% |
| $100,000 – $149,999 | 85% |
| $150,000 – $249,999 | 88% |
| $250,000 – $499,999 | 90% |
| $500,000 – $999,999 | 91%* |
| > $1,000,000 | 92%* |
* Start year at 75–90%; payouts not retroactive to dollar one.
"Wall Street Benefits at Main Street Cost with Heartland Integrity"
| JANUARY | Jan 21–22 — Team CFD Meeting · Jan 28 — CFD Networkshop |
| FEBRUARY | Feb 11–13 — Kingdom Advisers Conference, Orlando, FL Feb 18–22 — Presidential Adviser Trip · Key West, FL |
| APRIL | Apr 15–16 — Team CFD Meeting · Apr 22 — CFD Networkshop · Apr 23 — Virtual Spring Conference |
| MAY | May 18–20 — Financial Services Institute Capitol Hill Day |
| JULY | Jul 15–16 — Team CFD Meeting · Jul 22–24 — NACFC, Washington, DC |
| AUGUST | Aug 5–9 — Emerging Adviser Trip · Rockport, ME (Samoset Resort) |
| SEPTEMBER | Sep 16–18 — Fall Conference, Kokomo, IN Sep 17 — Team CFD Meeting (MANDATORY · All-Day Compliance) |
| OCTOBER | Oct 21 — CFD Networkshop |
| NOVEMBER | Nov 30 — 2026 Firm Element CE · IAR CE · FINRA Regulatory CE Deadlines |
| DECEMBER | Dec 1 — Fee Deadline for 2027 Renewal |
Offered to the Top 25 Financial Advisers based on GDC through 12/31/2025. GDC includes variable products, Mutual Funds, Variable Annuities, Variable Life, Stocks, Bonds, Management Fees through Creative Financial Designs, and all fixed products through cfd Investments via National Account agreement.
Offered to the Top 15 advisers who exceed $100,000 of GDC in 2025, are age 45 or younger, do not qualify for the 2026 Presidential Adviser Trip, and have not qualified for the PAT more than three times.
2024 — Clearwater, FL · Sheraton Sand Key
✓ Age 45 or younger
✓ Did not qualify for 2026 PAT
✓ PAT qualified ≤ 3 times total
Real-time commission transparency — see payouts before they arrive.
- 24/7 real-time book access
- Interactive payout analytics
- Holistic client holdings view
- Drill-down reporting
Capacity on demand — grow your practice without the overhead.
- Redtail CRM management
- Paperwork & e-sign processing
- Client communications
- Starter $250 · Basic $450/mo
Bring in new talent or transition your book with structured support.
- Junior or Supporting Adviser
- Reduced tech & renewal fees
- Junior starts at Senior's payout
- Requires $250K GDC
Creative provides financial advisers with their most valuable asset — time. Building a successful financial practice requires more than just expertise; it demands time and the right support. Creative delivers the solutions, resources, and products you need to grow efficiently while ensuring your clients receive the highest level of service.
| AUM Range | HH <$500K | HH >$500K |
|---|---|---|
| $0–$25M | 0.50% | 0.33% |
| $25–$50M | 0.45% | 0.30% |
| $50–$75M | 0.40% | 0.27% |
| $75–$100M | 0.33% | 0.25% |
| $500M+ | 0.21% | 0.17% |
CFD Family
Independent. Innovative. Integrated. CFD Companies delivers Wall Street resources with Heartland values — putting advisers first, always.