Range and Creative Planning both offer comprehensive financial services — but their models, pricing and client experiences are fundamentally different. One emphasizes transparent, flat-fee access to a team of specialists through a modern platform; the other delivers high-touch wealth management through a dedicated advisor and integrated in-house teams, with an assets-under-management fee model.
Read on to see the key differences to help you decide which approach is a better fit for your goals, preferences and financial situation.
 Range |  Creative Planning | |
| Best for |
|
|
| Minimum investment | $0, but designed for those making over $300,000 | $500,000 |
| Fee structure | Flat annual fee ($2,655–$8,955) | AUM-based: 0.75%–1% |
| Advisor access | Team of Certified Financial Planners and specialists | One dedicated advisor supported by in-house specialists |
| Planning depth | Holistic planning across all financial areas | Comprehensive wealth management with in-house experts |
| Investment management | Optional, passive or custom | Included by default with AUM fee |
| Learn more |
Choose Range if:
Choose Creative Planning if:
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| Feature | Range | Creative Planning |
| Minimum investment | $0, but designed for those making over $300,000 | $500,000 |
| Fee model | Flat annual fee ($2,655–$8,955) | AUM-based: 0.25%–1.20% |
| Pricing transparency | Transparent, listed on website | Not listed on website; available in Form ADV |
| Advisory access | Team-based: CFPs, tax pros, estate specialists | Dedicated advisor with access to in-house specialists |
| Planning scope | Holistic: tax, equity comp, estate, retirement, cash flow, real estate | Full-spectrum: planning, investment, tax, legal, insurance |
| Portfolio management | Optional; custom or passive portfolios available | Included by default with active management |
| Technology experience | Modern dashboard, real-time updates | Traditional advisor-led experience with limited platform access |
| Communication style | Digital-first with on-demand messaging, team response | Advisor-led relationship, primarily 1:1 contact |
| Tax strategy | Tax-loss harvesting available in Platinum and Titanium tiers; full tax planning | Included; in-house CPAs coordinate tax strategy |
| Services offered | Range | Creative Planning |
| Investment management | ||
| Tax planning | ||
| Estate planning | ||
| Insurance planning | ||
| Cash flow analysis | ||
| Real estate planning | ||
| Business planning | ||
| Equity comp management | ||
| Tax strategies |
Range has no investment minimums, making it accessible to a broader audience regardless of net worth, though it’s designed for high-income households — those making over $300,000 annually. You don’t need to move your investments or meet a portfolio minimum to get started.
Creative Planning requires at least $500,000 in investable assets, with some services geared toward clients at $1 million and above.
Range charges a flat annual fee:
These fees stay fixed regardless of your portfolio size. Investment management is available with no AUM fee, but not required.
Creative Planning uses a traditional AUM model, typically charging between 0.25% and 1.20% of assets under management annually, depending on the amount managed, which can add up as your portfolio grows. Fees vary based on portfolio size.
Range offers a team-based model. You get access to:
This means every area of your financial life gets input from a domain expert.
Creative Planning assigns you a dedicated financial advisor, who may be supported by internal specialists depending on the complexity of your needs. The relationship is primarily one-to-one, and the advisor serves as your main point of contact.
Range is built for holistic planning across multiple life domains:
Creative Planning also offers comprehensive planning, including:
Range supports investment management as part of its service, but doesn’t require it. Portfolios are goal-based and tax-efficient, designed to align with your financial plan and long-term needs.
Creative Planning builds diversified portfolios using exchange-traded funds (ETFs) and mutual funds, often with an active allocation component. Investment management is bundled with planning and handled in-house under fiduciary standards.
Range includes proactive tax planning, including equity compensation strategies, income timing, charitable giving and more. Tax-loss harvesting is available for clients in Platinum and Titanium tiers.
Creative Planning offers tax planning and year-round tax-loss harvesting as part of its proactive tax strategy, integrating it directly with investment portfolio monitoring in taxable accounts.
Range has a modern, tech-driven experience with 24/7 account visibility, personalized dashboards and communication tools.
Creative Planning offers a more traditional advisor-led experience. While clients do get access to a client portal for reports and communication, the experience leans more on human interaction than tech-driven engagement.
Range is a flat-fee wealth management platform designed for high earners — executives, doctors, tech employees and business owners — who want real-time access to a team of experts.
Every membership includes a dedicated team of CFPs, tax professionals, equity comp specialists and estate experts, plus a modern digital dashboard for plan tracking and ongoing support.
Creative Planning is a national wealth management firm offering financial planning, investment management, tax planning, estate services and more to high-net-worth clients. With a traditional advisor model and in-house expertise, it offers a full-service experience under an AUM fee structure.
Both firms offer deep, fiduciary advice — but they deliver it differently. Range provides flexible, tech-first wealth management for clients of varying net worths at a flat, predictable cost. Creative Planning wraps investment and planning into one advisor-led relationship, also with services that suit clients managing significant wealth.
In the end, the better fit depends on whether you want a modern, expert team focused on planning or a full-service, traditional firm handling everything under one advisor umbrella.
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