CFD Companies · Blueprint Look Ahead 2026

01.0 · BLUEPRINT

Blueprint

Look Ahead
to 2026

CFD Companies · cfd Investments, Inc. · Creative Financial Designs, Inc.

CFD

01.1 · BY THE NUMBERS

CFD By the Numbers

150+

Financial Advisers

$7B+

Assets Under Management

40+

Years of Excellence

3:1

Adviser-to-Staff Ratio

Independence · Relationships · Commitment

01.2 · FAMILY

We Are a Family

Built on relationships, driven by commitment

CFD is organized around family — both literal and figurative. In the slides ahead you'll remember a member we recently lost, hear from the advisers working alongside us today, and welcome the new faces joining the family.

CFD Family · 01/05/2015 – 08/03/2025

09/11/1986 – 08/03/2025

01.3 · IN MEMORIAM

In Loving Memory

Brett
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."

— Brent Owens

01.4 · VOICES

It's Not About Us — It's About Your Clients, Business & Growth!

01.5 · FOOTPRINT

Our National Footprint

147 OFFICES

150+ Advisers Nationwide

Advisers Per State

0

1

2-4

5-9

10+

Headquarters · Kokomo, IN

· Coast to Coast · 40+ Years of Trusted Relationships

02.0 · ABOUT

Section Overview

ABOUT
CFD COMPANIES

For Advisers seeking a Partner-Firm rather than a Parent-Firm.

SECTION 02 OF 08

02.1 · THE CFD COMPANIES

THE CFD COMPANIES

Three companies. One mission.

Under one umbrella, three independent companies serve advisers and their clients with complementary expertise.

cfd Investments, Inc.

Broker/Dealer · est. 1990

Independent broker/dealer serving CFD-affiliated advisers nationwide with concierge level support that honors the independence needed to best serve advisory clients.

Creative Financial Designs, Inc.

Registered Investment Adviser · est. 1982

Fiduciary RIA providing fee-based advisory services, in-house investment management, and BRI-screened portfolio strategies.

Creative Portfolio Management

Third-Party Asset Management

Full-service TPAM platform delivering institutional-grade portfolios — including BRI strategies — to independent advisers outside the CFD Companies network.

Three companies. One commitment to adviser independence.

03.0 · COMPENSATION

Section Overview

COMPENSATION

Your Revenue Distribution

SECTION 03 OF 08

03.1 · PAYOUT

2026 Payout Schedule

Payout schedule based on trailing 12-month Gross Dealer Concession. Grid level set by prior-year GDC.

For cfd Investments, Inc. Broker/Dealer production. Does not apply to RIA-based fee revenue.

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.

Electronic

Deposits

Commissions

Paid Weekly

Online

Commission Statements

Online

Production Reports

03.2 · COMMISSIONS

COMMISSION PROCEDURES

48 RUNS PER YEAR

Commissions are run four times per month — 48 total per year. Pull your commission statement weekly from the Dashboard at cfdinvestments.com. View pending commissions at end of each business day under Forecast Commissions.

EFT DEPOSITS

All commissions are deposited via Electronic Funds Transfer (EFT) directly into your checking account at no cost — more economical for both the Adviser and the Broker/Dealer.

COLOR-CODED NEWSLETTER

Green name — expect an EFT that week. Blue or Red name — no EFT for that run. All 48 statements and newsletters archived on the B/D website.

DEBIT BALANCE POLICY

If a debit balance is not covered by new commissions by the end of the quarterly management fee run, a valid credit card on file will be charged for the entire debit balance.

03.3 · COMMISSIONS

2026 COMMISSION SCHEDULE

48 EFT dates for 2026. Gold = NFS dates (12/yr). ** = month-end run (can fall on any business day). *** = holiday week (EFT completed Tuesday).

#	EFT Date	Week of	#	EFT Date	Week of
1	01/12/26	01/02–01/08	25	07/13/26	07/01–07/09
2	01/20/26 ***	01/09–01/15	26	07/20/26 *	07/10–07/16
3	01/26/26	01/16–01/22	27	07/27/26	07/17–07/23
4	02/03/26 **	01/23–01/30	28	08/04/26 **	07/24–07/31
5	02/09/26	02/02–02/05	29	08/10/26	08/03–08/06
6	02/17/26 * ***	02/06–02/12	30	08/17/26 *	08/07–08/13
7	02/23/26	02/13–02/19	31	08/24/26	08/14–08/20
8	03/03/26 **	02/20–02/27	32	09/02/26 **	08/21–08/31
9	03/09/26	03/02–03/05	33	09/14/26	09/01–09/10
10	03/16/26 *	03/06–03/12	34	09/21/26 *	09/11–09/17
11	03/23/26	03/13–03/19	35	09/28/26	09/18–09/24
12	04/02/26 **	03/20–03/31	36	10/02/26 **	09/25–09/30
13	04/13/26	04/01–04/09	37	10/13/26	10/01–10/08
14	04/20/26 *	04/10–04/16	38	10/19/26 *	10/09–10/15
15	04/27/26	04/17–04/23	39	10/26/26	10/16–10/22
16	05/04/26 **	04/24–04/30	40	11/03/26 **	10/23–10/30
17	05/11/26	05/01–05/07	41	11/09/26	11/02–11/05
18	05/18/26 *	05/08–05/14	42	11/16/26 *	11/06–11/12
19	05/26/26 ***	05/15–05/21	43	11/23/26	11/13–11/19
20	06/02/26 **	05/22–05/29	44	12/02/26 **	11/20–11/30
21	06/08/26	06/01–06/04	45	12/14/26	12/01–12/10
22	06/15/26 *	06/05–06/11	46	12/21/26 *	12/11–12/17
23	06/23/26	06/12–06/18	47	12/28/26	12/18–12/24
24	07/02/26 **	06/22–06/30	48	01/05/27 **	12/28–12/31

HOLIDAYS & OBSERVANCES

Jan 01	New Year's Day	Jun 19	Juneteenth
Jan 19	MLK Jr. Day	Jul 03	Independence Day
Feb 16	President's Day	Sep 07	Labor Day
Apr 03	Good Friday*	Nov 26	Thanksgiving
May 25	Memorial Day	Nov 27	Black Friday* — Market closes 1:00 PM EST
Dec 25	Christmas Day

03.4 · RIA FEES

2026 INVESTMENT MANAGEMENT & PLANNING FEE SCHEDULE

Creative Financial Designs issues payouts 24 times per year. Fees disbursed only upon receipt of payment. EFT received by 11 AM EDT triggers next processing date.

#	EFT Date	Processing Date	End-Qtr	Mid-Qtr	Self-Dir	Planning	TPAM
1	01/20/26	01/15/26	✓		✓	✓	✓
2	02/03/26	01/30/26			✓	✓	✓
3	02/17/26	02/12/26		✓	✓	✓	✓
4	03/03/26	02/27/26			✓	✓	✓
5	03/16/26	03/12/26		✓	✓	✓	✓
6	04/02/26	03/31/26			✓	✓	✓
7	04/20/26	04/16/26	✓	✓	✓	✓	✓
8	05/04/26	04/30/26			✓	✓	✓
9	05/18/26	05/14/26		✓	✓	✓	✓
10	06/02/26	05/29/26			✓	✓	✓
11	06/15/26	06/11/26		✓	✓	✓	✓
12	07/02/26	06/30/26			✓	✓	✓
13	07/20/26	07/16/26	✓	✓	✓	✓	✓
14	08/04/26	07/31/26			✓	✓	✓
15	08/17/26	08/13/26		✓	✓	✓	✓
16	09/02/26	08/31/26			✓	✓	✓
17	09/21/26	09/17/26		✓	✓	✓	✓
18	10/02/26	09/30/26			✓	✓	✓
19	10/19/26	10/15/26	✓	✓	✓	✓	✓
20	11/03/26	10/30/26			✓	✓	✓
21	11/16/26	11/12/26		✓	✓	✓	✓
22	12/02/26	11/30/26			✓	✓	✓
23	12/21/26	12/17/26		✓	✓	✓	✓
24	01/05/27	12/31/26			✓	✓	✓

03.5 · RENEWAL FEES

RENEWING FOR 2026

cfd Investments pays each Adviser's home state renewal fee. Advisers pay non-resident state fees. FINRA branch charge: $250/renewal period. FSI Membership optional.

RENEWAL FEE BY GDC

Dealer Concession	Renewal Fee
≤ $49,999	$1,000
$50,000 – $99,999	$800
$100,000 – $149,999	$700
$150,000 – $249,999	$600
$250,000 – $499,999	$500
$500,000 – $999,999	$300
≥ $1,000,000	$0

MINIMUM PRODUCTION REQUIREMENT

GDC Range	Additional Fee
$25,000 – $29,999	$2,500
$30,000 – $34,999	$2,000
$35,000 – $39,999	$1,500
$40,000 – $44,999	$1,000
$45,000 – $49,999	$500

Minimum to renew for 2026 is $50,000 GDC in 2025. If under $50,000, additional minimum production fee applies as above.

Does not apply to renewals within 18 months of onboarding.

03.6 · STATE FEES

STATE FEES FOR RENEWAL

FEES SUBJECT TO CHANGE

State	BD	IAR	State	BD	IAR
Alabama	$70	$70	Montana	$100	$100
Alaska	$75	$75	Nebraska	$40	$40
Arizona	$45	$40	Nevada	$125	$110
Arkansas	$75	$75	New Hampshire	$100	$100
California	$35	$35	New Jersey	$190	$210
Colorado**	$14	$14	New Mexico	$50	$50
Connecticut	$125	$125	New York	$37	$200
Delaware	$65	$65	North Carolina	$125	$75
DC**	$45	$45	North Dakota	$75	$60
Florida◇**	$50	$50	Ohio**	$60	$35
Georgia◇	$45	$105	Oklahoma	$50	$50
Hawaii	$50	$50	Oregon	$60	$50
Idaho	$50	$30	Pennsylvania	$120	$120
Illinois	$150	$150	Puerto Rico**	$150	$150
Indiana	$25	$25	Rhode Island	$100	$60
Iowa	$40	$30	South Carolina	$110	$55
Kansas	$0	$0	South Dakota	$125	$50
Kentucky	$50	$50	Tennessee‡	$50	$50
Louisiana**	$60	$0	Texas	$20	$20
Maine	$25	$25	Utah	$40	$30
Maryland**	$65	$50	Vermont	$145	$80
Massachusetts	$75	$50	Virgin Islands	$50	$50
Michigan	$65	$65	Virginia	$40	$40
Minnesota	$65	$50	Washington	$30	$30
Mississippi	$50	$50	West Virginia	$78	$87
Missouri	$50	$50	Wisconsin	$80	$80
Wyoming	$45	$45

** State Branch Renewal Fee may apply (AK, AR, FL, IL, ME, NV, RI, VT, VI, WI, WV). ‡ $400 annual privilege tax in TN. ◇ Additional fingerprinting for IAR ONLY in FL & GA.

04.0 · AFFILIATION

Section Overview

YOUR
AFFILIATION

The Cost of Being Independent, Together

SECTION 04 OF 08

04.1 · TECH STACK

CFD Tech Stack

$250/month total

"Your Clients, Your Relationships, Your Business — Our Commitment"

Redtail CRM

Integrated CRM — every client interaction in one place, streamlined

Redtail Speak

Compliant text messaging with clients and staff in real-time

Sycamore Dashboard

24/7 real-time commission access and full payout transparency

KnowBe4

World's largest integrated security awareness training platform

Docupace STP

Paperless forms, e-signatures via DocuSign, seamless submission

Proofpoint

Enterprise email security — phishing, ransomware, fraud defense

Office 365 E1

Full Microsoft suite — email, calendar, Word, Excel, PowerPoint

Albridge / Pershing X

Portfolio management, performance reporting, data aggregation

Wealthscape

Adviser portal for NFS-cleared brokerage business — account views, trading, ops

04.2 · TECH PACKAGES

TECHNOLOGY PACKAGES

$250/month — all packages

STANDARD PACKAGE 1 — Advisers ≤ $499,999/year

Ash Brokerage quote engine & case monitoring · cfdinvestments.com website access · Commissions Dashboard (Sycamore) · Docupace with ePacs · DST Vision · Quest CE Firm Element · KnowBe4 Education & Awareness · Office 365 E1 · Proofpoint Essentials · Redtail CRM · Redtail Speak · SMARSH e-mail archiving · Annuity Intelligence Report

STANDARD PACKAGE 2 — $500,000–$999,999/year

All of Package 1 + Albridge/Pershing X: Light version

STANDARD PACKAGE 3 — $1,000,000+/year

All of Package 2 + Albridge/Pershing X: Full version

GDC based on 12/31/2025 year-end. Upgrades not applied until Tech Renewal 01/31/2026 unless added à la carte.

04.3 · E&O INSURANCE

E&O INSURANCE

ERRORS & OMISSIONS — DEDUCTIBLE REDUCTION INSURANCE PROGRAM

COVERAGE PERIOD

May 1, 2026 – April 30, 2027

Invoiced April 1 · Payment due April 27

COVERAGE DETAILS

$2 million per claim + $5 million aggregate
All fixed products, variable products including all Series 7, and RIA activities through Creative Financial Designs Inc.

COST

Investments only or Dual:
$3,300/year (includes E&O and DRIP)

IA only:
$2,400/year (includes E&O and DRIP)

YOUR E&O IS $0 DEDUCTIBLE

The DRIP effectively insures Registered Representatives for their deductible obligation under their firm's current B/D E&O policy.

04.4 · INSURANCE

ASH BROKERAGE INCENTIVES

CFD Insurance Services — 2025 Production Incentives · ashbrokerage.com · 800.589.3000

Five additional incentives for advisers who grow their insurance production through CFD Insurance Services. Choose between E&O reimbursement or a Business Builder Credit:

Production Requirement	E&O Reimbursement	Business Builder Credit
$25,000	$675	$250
$37,500	$1,012.50	$375
$50,000	$1,350	$500
$75,000	$2,025	$750
$100,000	$2,700	$1,000

*Production requirement amounts are approximate. Contact Ash Brokerage for full program details. Rev. 04/25 · 10018-CFD2

04.5 · E-DELIVERY

ACCOUNT SERVICES & E-DELIVERY

FIGURE 5.6 — Go Green, Save Your Clients Money

NFS E-DELIVERY REWARDS

Clients who do not opt into e-Delivery will be charged a $60.00 annual NFS mailing fee each May. If insufficient cash is available, the fee is charged to adviser commissions.

Encourage clients to opt in — save them $60/yr!

Sign up via Wealthscape Investor
Information available at adviser.cfdinvestments.com

CFD E-DELIVERY

Signing up for e-Delivery through CFD is separate from NFS — applies only to cfd Investments and/or Creative Financial Designs email preferences.

Clients can opt in or out at any time
Opting out may incur mailing charges for certain correspondence
Having clients opt in has never been easier

adviser.cfdinvestments.com/knowledge-base/how-do-i-get-clients-signed-up-for-e-delivery/

04.6 · STP & E-SIGNATURES

STP & E-SIGNATURES

FIGURE 6.0 — Straight Through Processing & Docupace

DOCUPACE CONNECT

A comprehensive, customizable, digital operations solution. Paperless tools designed to help you complete work faster, more securely, and with fewer errors.

One-stop for forms — populate from Redtail, complete online, go paperless
Built-in eSignature via DocuSign (included in tech package)
Create brokerage and direct business paperwork in one place
Custom barcode cover sheets for wet-signature work items

Docupace has three major software releases per year. Mailing paperwork to CFD incurs a $25 paperwork handling fee.

STARTING POINT — STP BENEFITS

Wizard technology gets paperwork ready and Docupace work item created
Add external forms or legal docs easily
Use built-in wet or electronic signature solutions
Feeds into our partnership with Docupace Technologies

E-mail and fax are NOT approved channels for delivering client paperwork to CFD. Use Docupace.

04.7 · WEBSITE PARTNERS

ADVISER WEBSITE PARTNERS

TWO APPROVED VENDORS · YOUR CHOICE

FMG SUITE

FMG Suite provides an adviser marketing platform powered by award-winning content. Their products automate proven marketing strategies so advisers can build deeper relationships and grow AUM with the least effort.

Combines websites, e-mail, social, print, and events
Full compliance integration
Designed specifically for financial advisers

https://www.fmgsuite.com

BROADRIDGE

Broadridge offers an established adviser-marketing and website platform backed by enterprise-grade infrastructure. Their content library, compliance workflows, and website templates are built for regulated financial professionals.

Adviser websites with compliance-ready content
Integrated email and campaign tools
Enterprise reliability and archiving support

When using third-party website hosting, Smarsh is required for archiving.

04.8 · A LA CARTE

APPROVED A LA CARTE TECH SOLUTIONS

FIGURE 5.3 — Select add-on tools priced individually

A LA CARTE ITEM	PRICE
Additional Rep Code(For rep codes beyond primary code) A $150 set up fee will be charged at creation of the new code. A $50 adjustment fee will be charged if making changes to the code set up.	$10/month maintenance fee per code
Albridge/Pershing X Fiserv for Advisers on Technology Package 1, 2 or 3	$85/month
Albridge/Pershing X full version for Advisers on Technology Package 1	$150/month
Albridge/Pershing X full version for Advisers on Technology Package 2	$75/month
Albridge/Pershing X light version for Advisers on Technology Package 1	$75/month
DST Vision Pro	$31.50/month
Morningstar Analytics	$25/month
Morningstar Analytics Plus	$75/month
Morningstar Workstation	$205/month
NFS Fee-Based Tool	$100/month
NFS Research Package	Cost-based on options
NFS Wealthscape	$0/month
Nitrogen(tiered to lower prices based on In-House AUM)	$150/month maximum
Patrina YouTube monitoring	$30/month
RightCapital Premium(RightCapital Assistant $25/month, limited to 1 assistant per adviser premium subscription)	$110/month
RightCapital Platinum(RightCapital Assistant $25/month, no limit)	$140/month
SMARSH Facebook monitoring	$15/month
SMARSH Instagram monitoring	$15/month
SMARSH LinkedIn monitoring	$15/month
SMARSH X/Twitter monitoring	$75/month
SMARSH website monitoring(Required for Adviser websites that are NOT hosted by Broadridge Emerald or FMG) *This covers the domain and the first 50 pages being monitored. There is a $25 charge for every additional 50 page block.	$100/month

Prices are subject to change without notice. A la carte items are available outside the normal technology fee. Not all services listed on this page may be available to all representatives or advisers. To add or remove additional services, please visit https://adviser.cfdinvestments.com/technology-services-request-form/

Please contact the Planning Department for more information about Right Capital or eMoney.

04.9 · CYBER SECURITY

CYBER SECURITY PROGRAM

FEES

Status	Monthly Fee
Financial Advisers	$100/month
Registered & Non-Registered Assistants	$50/month

EDUCATION

Training and education on cyber threats via KnowBe4. Phishing tests and additional training based on results.

DEVICE MONITORING

Entreda monitors your equipment for encryption, anti-virus, malware, and firewall compliance.

VENDOR MANAGEMENT

CFD manages third-party vendor policies and procedures to protect your client data in the cloud.

PASSWORD MANAGEMENT

Keeper manages strong, effective passwords across all devices and permits secure sharing among staff.

TEXT MESSAGING

Redtail Speak provides compliant text messaging, monitored to satisfy regulatory requirements. Included in all Tech Packages.

CYBER INSURANCE

Direct coverage for you and your office for cyber incidents, including OBAs, and denial of service attacks.

05.0 · GROWTH

Section Overview

OUR RESOURCES
FOR YOUR GROWTH

Tools to Expand What You Offer

SECTION 05 OF 08

05.1 · IN-HOUSE MANAGEMENT

Creative Financial Designs, Inc.

In-House Money Management

Empowering Financial Fulfillment

Your trusted partner in RIA solutions since 1982

An optional added service for CFD advisers

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.

"TIME IS REALLY THE ONLY CAPITAL THAT ANY HUMAN BEING HAS, AND THE ONLY THING HE CAN'T AFFORD TO LOSE." — Thomas Edison

In-House Management Fee Schedule

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–$500M	0.33%	0.25%
$500M+	0.21%	0.17%

150+

Brokerage Solutions

80+

VA Solutions

1982

Established

05.2 · BRI

Biblically Responsible Investing

Value-Driven Investing for What Really Matters

Few broker/dealers offer in-house BRI management. CFD is one of them.

When it comes to investing, our clients have many choices. One of the most important is the opportunity to begin with their values and seek investments that reflect what matters most. From a Christian values perspective, this approach is known as Biblically Responsible Investing (BRI) — a flagship focus of Creative Financial Designs.

"The plans of the diligent lead to profit as surely as haste leads to poverty."

— Proverbs 21:5

Screening for Red Flags

Abortion · Pornography · Anti-Family Entertainment · Anti-Family Lifestyle · Anti-Human Rights · Gambling · Alcohol · Tobacco

Screening for Positive Practices

Business Ethics · Human Rights · Ethical Labor · Ethical Sales Practices · Regulatory Adherence · Product Safety · Customer Privacy · Community Impact

Over 2,300 Bible verses address money and stewardship.

05.3 · BRI STRATEGIES

BRI Managed Strategies

Eight strategies. Five portfolio objectives. One goal.

Strategy	Focus	Minimum
Auxano	BRI-screened all-equity growth	$50,000
Combination	BRI mutual funds, ETFs & equities for diversified balance	$50,000
Divinity ETF	BRI-screened ETFs across five portfolio objectives	$25,000
Harvest Growing Dividend	BRI stocks with growing dividend history	$25,000
Income Solutions	BRI mega-cap value + fixed income	$50,000
Purpose Funds	BRI mutual funds & ETFs for core diversification	$25,000
Tax-Wise	Tax-efficient BRI ETFs + screened municipals	$100,000
Vision CFD4	Values-managed with low minimums	$7,000

Variable Annuity Management

Nationwide, Jackson National, and more. BRI-screened sub-accounts across five diversified portfolio objectives.

Retirement Plans

With select vendors, CFD offers managed BRI portfolios for options within company retirement plans.

Diversification does not ensure profit or protection from loss. All investments subject to volatility. Minimums subject to change.

05.4 · CPM

Creative Portfolio Management

A Full-Service TPAM for Independent Advisors

Creative Portfolio Management (CPM) is a full-service Third-Party Asset Management (TPAM) platform built for financial advisors who are not affiliated with the CFD Companies. CPM brings institutional-grade portfolio construction and the same Biblically Responsible Investing expertise that powers Creative Financial Designs — now available to the broader adviser community.

Institutional TPAM

Managed portfolios, model delivery, and operational support for independent RIAs and adviser teams.

BRI Specialty

The industry's deepest bench of BRI-screened strategies, available as sub-advised models or turnkey portfolios.

Independent-Adviser First

CPM serves advisors who keep their book, their brand, and their client relationships. You stay independent; we bring the back-end.

Contact CFD for CPM details

05.5 · SUPPORT

Built to Support You

Sycamore Dashboard

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

Virtual Assistants

Capacity on demand — grow your practice without the overhead.

Redtail CRM management
Paperwork & e-sign processing
Client communications
Starter $250 · Basic $450/mo

Adviser Transition

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

$250

Tech Fee / Month

48

EFT Payouts / Year

$0

E&O Deductible (DRIP)

1982

Creative Financial Designs Est.

06.0 · SUCCESSION

Section Overview

ASSISTANTS
& SUCCESSION

Building Your Business — Empowering the Next Generation

SECTION 06 OF 08

06.1 · ASSISTANTS

CFD ASSISTANTS

FIGURE 7.0 — Our Valued CFD Assistants

OBJECTIVES & HOW IT WORKS

Provide assistants with a point of contact at the home office
Build relationships across many office locations
Create an evolving learning environment
Multiple touch points throughout the year

Meetings are once per quarter via Zoom, 2:00–3:00 PM EST. Agenda sent one week prior.

2026 CFD NETWORKSHOP DATES

Jan 28th

Apr 22nd

Jul 22nd

Oct 21st

2026 ASSISTANT FEES

Technology Fee$100/mo

Cyber Security Fee$50/mo

SERVICES INCLUDE

Microsoft Outlook 365 (custom office emails available)
Cyber Security: Continuing Education + Entreda
SMARSH Anti-Spam Filtering
Docupace, Redtail CRM, Redtail Speak, Keeper Password Manager

All assistants must clear a background check. One-time $100 fingerprint fee at on-boarding. Contact Jeanne Miller in Compliance to bring on a new assistant.

06.2 · TRANSITION

THE ADVISER TRANSITION PROGRAM

FIGURE 7.2 — A way for advisers to bring in or transition new talent

WHAT IS IT?

A structured program for advisers to bring in someone new to the industry, transition an assistant to an adviser role, or provide a warm handoff for an adviser who has sold their book but wants to stay licensed.

SENIOR ADVISER REQUIREMENTS

GDC of $250,000 per person on ATP
5 years industry experience
Operate out of same location
Cannot be on heightened supervision

WHY JOIN?

Reduced Technology/Cyber Security Fee
Reduced Renewal Fee
Start the Junior or Supporting Adviser at the Senior's payout level
Improve clarity of role with CFD home office staff
Comradery

ADVISER STATUSES

Supporting
Book owned by senior adviser

Junior
Building own book with mentorship

06.3 · VIRTUAL

VIRTUAL ASSISTANTS

FIGURE 7.3 — Grow With a Virtual Assistant

IS A VA RIGHT FOR YOU?

You don't have an assistant but some support would be beneficial
Your staff is overextended
You are between assistants or your assistant takes extended time off
You want to take your business to the next level
You are a new rep transitioning to CFD

OFFICE SUPPORT SERVICES

Account Management: Redtail data entry, paperwork generation, submission & follow-up
Scheduling, client communications, and more

SUCCESS STORY

"We've been working with the virtual assistants for a few years now and it's been an incredible blessing to our firm. They've gotten to know my preferences with paperwork and have made it so much easier on me… Even with an in-office assistant, the VA team adds tremendous value."

YOUR VA TEAM

Carrie Salinas

Meredith Kesler

Bethany Hartman

Contact: meredith.kesler@cfdinvestments.com

07.0 · COMMUNITY

Section Overview

CONNECTING WITH
THE CFD FAMILY

Community · Recognition · Celebration

SECTION 07 OF 08

07.1 · EVENTS

2026 Important Dates

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
MARCH	—
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
JUNE	—
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

07.2 · TEAM MEETINGS

TEAM CFD MEETINGS 2026

⚑

SEPTEMBER 17TH IS MANDATORY!

Some compliance departments are about policing… and we're proud that ours is about more. Team CFD is an opportunity for advisers and CFD to join arms and go beyond mere compliance. We need a connection that provides guidance, encouragement and helps us work together.

Team CFD is intended to go beyond mere compliance requirements — to lift spirits and provide resources that help advisers navigate the highs and lows of the financial industry.

2026 MEETING DATES

January 21–22 — Team CFD Meeting
January 28 — CFD Networkshop (Zoom)
April 22 — CFD Networkshop (Zoom)
July 22 — CFD Networkshop (Zoom)
October 21 — CFD Networkshop (Zoom)

WHY TEAM CFD?

Guidance and encouragement beyond compliance
Build connection across the CFD adviser family
Lift spirits and provide practical resources
Work together through the highs and lows of the financial industry

07.3 · PAT

CFD's Presidential Adviser Trip

KEY WEST, FLORIDA 2026 · CASA MARINA

Every Financial Adviser is Eligible!

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.

Qualification Period (for 2026 trip)

January 1 – December 31, 2025

Minimum of 25 adviser attendees. If Top 25 cannot attend, next in rank invited.

Past Destinations

2025 — Turks & Caicos

2024 — Grand Cayman

2023 — Aruba

2022 — Playa del Carmen

2021 — Key Largo

2020 — Puerto Rico

2019 — Cabo San Lucas

2017 — Puerto Vallarta

07.4 · PAT QUALIFIERS

Top 25 Qualifiers

Presidential Adviser Trip

Kurt Supe

Chris Rockey

Jim Guyot

Edward Camp

Alex LeBron

Jeff Larimore

Stuart Breeden

Kent LaLonde

Rick Bain

Rich D'Ambola

Al Chandler

Brent Owens

Dan Hoelscher

Orrie Augsburger

Daryl Phillips

Ben Franklin

Dan Ballister

Brian Quick

Tim Kling

Mike Dusold

Terry May

Lee Grossman

Doug Shields

John Culpepper

Tom Beachy

Top 5 Alternates

Lisa Raderstorf · Bill Clark · Steven Carpenter · Eric Grzegorski · Steve Neustaedter

07.5 · EA

CFD's Emerging Adviser Trip

ROCKPORT, MAINE 2026 · SAMOSET RESORT

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.

Qualification Period (for 2026 trip)

January 1 – December 31, 2025

Minimum 12 · Maximum 15 adviser attendees

Past Emerging Trips

2025 — Huntington Beach, CA · Hyatt Regency
2024 — Clearwater, FL · Sheraton Sand Key

Criteria

✓ $100K+ GDC in 2025
✓ Age 45 or younger
✓ Did not qualify for 2026 PAT
✓ PAT qualified ≤ 3 times total

07.6 · EA CLASS

2025 Huntington Beach, CA

EA 2025 Class

Steven Carpenter

Nathan Cruz

Rachael Camp

Matt Holt

Tim Franklin

Ryan DeAmicis

Kevin Dusold

Trent May

Kyle Marburger

Saeed Sulaiman

Nolan Dill

Jared Houseman

Jimmy Ganoa

Jeremy Braden

Adam Shelton

Andrew Drufke

Cole Silva

07.7 · CFD MASTERS

CFD Masters

TOP-TIER RECOGNITION FOR ELITE PRODUCTION

Recognizing advisers who have built lasting practices through excellence, integrity, and sustained production. CFD Masters are the cornerstone of the CFD adviser community — mentors, leaders, and examples of what the independent model can become.

Qualification

15+ Years · Sustained Elite Production

Earned through consistency, not just volume.

What Masters Share

Deep client relationships built over decades
Mentorship of newer advisers in the community
Continuing education and practice-sharing leadership
Recognition at annual events

07.8 · MASTERS

15+ Years of Excellence

CFD Masters

Mick Owens

Terry May

Bonnie Smith

Edward Camp

Gene Griffin

Peter Passalacqua

Bill Breagy

Jeff Larimore

Rick Bain

Rick Webb

Kent LaLonde

Jim Guyot

Daryl Phillips

Kurt Supe

07.9 · ADVISER GROUPS

Adviser-Led Groups

Peer learning. Shared wisdom.

CFD advisers form their own study groups and collaborative networks. These peer-driven groups deepen expertise across specialties and strengthen the community.

Mass Affluent Study Group

LED BY BEN FRANKLIN

Mass affluent client strategies and practice-building for advisers serving the underrepresented middle market.

[ Group Name ]

LED BY [ NAME ]

[ Focus / description ]

[ Group Name ]

LED BY [ NAME ]

[ Focus / description ]

[ Group Name ]

LED BY [ NAME ]

[ Focus / description ]

[ Group Name ]

LED BY [ NAME ]

[ Focus / description ]

Interested in starting a group? Contact the CFD home office.

07.10 · SPONSORS

Thank You to Our Sponsors

PLATINUM

Corebridge Financial

Nationwide

Fidelity Investments

Insurance Services ASH

Eventide

Timothy Plan

Jackson National Life

GOLD

Annexus

Inspire ETFs

Praxis Mutual Funds

SILVER

Sammons Retirement Solutions

Lincoln Financial Group

Athene

GuideStone Funds

Tarkenton Financial

Prudential

BRONZE

TruStage

Brighthouse Financial

Alger

Catalyst Funds

Western & Southern

First Trust

GBU Life

Capital Group

Transamerica

AssetMark

Faith Investor Services

08.0 · COMMITMENT

Section Overview

OUR
COMMITMENT

Your Business

SECTION 08 OF 08

08.1 · WELCOME

WELCOME TO THE CFD FAMILY!

LW

Larry Weichel

Working with Aric Carpenter and Alex Lebron in Michigan. Returning adviser.

JK

Jim Kohlhepp

Joining from Mississippi. Recommended by Al Chandler.

RO

Ryan Ollar

Working with Edward Camp in Indiana. Transitioned from registered assistant to adviser.

DK

David Kurschat

Working with Steven Carpenter and Covenant Financial Group in Michigan. Transitioned from registered assistant to adviser.

MS

Mark Schick

Working with Joe Verissimo and Christian Wealth Management out of Idaho. Transitioned from assistant to adviser.

PM

Paul Miller

Joining from Kalamazoo, Michigan. Recommended by Mike Zuverink.

MG

Melissa Gunter

Working with Jim Guyot and LFS Wealth Advisors out of Kansas. Transitioned from assistant to adviser.

AE

Austin England

Working with Rachael Camp and Camp Wealth.

08.2 · REFERRALS

2025 Adviser Referral Leaderboard

#1

Steven Carpenter

$10,159.94

#2

Joe Guenot

$4,714.79

#3

Larry Chavez

$4,324.76

#4

Ben Forgrave

$4,174.51

GROW WITH US

Do you know an adviser who would thrive at CFD Companies?

WHEN YOU REFER AN ADVISER WHO JOINS CFD, YOU WILL RECEIVE:

✦ 2% of trailing 12-months GDC upfront

✦ 2% override of production for 24 months

Contact: zachary.covert@cfdinvestments.com

08.3 · LEADERSHIP

Your Leadership Team

Mick Owens

Founder

Brent Owens

President

Kregg Rooze

VP, Creative Financial Designs

Kris Hale

VP, cfd Investments, Inc.

Matthew Bahrenburg

CCO / General Counsel

Gerry Good

CTO

Greg Smith

CFO

Wall Street resources.

Heartland commitment.

08.4 · MISSION

Our Mission

The CFD Companies strive to honor God through pursuing excellence in all that they do. As such, the mission of CFD is to empower financial advisers to serve their clients in a manner that demonstrates the fulfillment and freedom that is found in a relationship with Christ. Central to fulfillment of this mission is the uncompromising relationship-driven support that fiercely defends the independence of financial advisers to determine and implement what is best for each individual client. In everything else, CFD will remain agile, better equipped than others to meet the evolving needs of both financial advisers and their clients.

THANK YOU

BLUEPRINT: LOOK AHEAD TO 2026

Toll Free: 800.745.7776 · Phone: 765.453.9600 · Fax: 765.864.4080

08.5 · CLOSING

Join the
CFD Family

Independent. Innovative. Integrated. Others operate in cliché; we operate in commitment.

cfdinvestments.com

·

765.453.9600

·

Kokomo, Indiana

cfd Investments, Inc. · FINRA CRD #25427 · Member SIPC · contactus@joincfd.com · 800.745.7776

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