The Best Ever CRE Show JF 4018: Retainer-Based Advice, Alternative Allocations and Unfair Advantages ft. Fred Hubler
Sep 4, 2025
Fred Hubler, Founder and CEO of Creative Capital Wealth Management Group, shares his expertise on alternative investment strategies that empower high-net-worth individuals. He discusses his innovative retainer-based advisory model and the importance of diversifying beyond stocks. Fred elaborates on his unique 50-10-20-20 portfolio framework and the ethics behind selecting investments. He also provides insight on evaluating operators in volatile markets like oil and gas, and highlights the significance of due diligence for sound investment decisions.
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Use Retainers To Remove AUM Bias
- Use a retainer fee model when clients need broad, agnostic advice across alternatives rather than AUM-tied product sales.
- Charge a quarterly retainer so advice remains independent of where money ultimately sits.
50-10-20-20 Portfolio Framework
- Build a target allocation overlay: 50% traditional, 10% cash, 20% alternatives, 20% hard assets and real estate.
- Adjust percentages per client but keep the framework as a starting portfolio plan.
Access Is The Key Competitive Edge
- Access matters: many institutional deals are closed to retail but leftovers and new retail structures appear over time.
- Advisors with institutional relationships can bring clients opportunities others cannot access.