Creative serves as a fiduciary with you on your 401(k) plan, and holds the highest fiduciary standard. As an independent advisor, our compensation will never vary from fund to fund. At least once a year, we will provide your 401(k) committee with a written report advising you as to the status of all of the key components of the plan, from fiduciary obligations to investment performance. If you are currently working with a broker, you owe it to yourself and your employees to evaluate the benefits of working with an independent firm. From full disclosure to the absence of hidden compensation arrangements, the differences go beyond just fiduciary duties.