Kreate Financial Safety
Unlock Hidden Funds, Increase Employee Benefits, and Reduce Debt - no Investment!
The Champ Plan enhances employee pay and benefits while reducing employer payroll taxes with compliant health solutions. At no cost to you.
A strong win-win-win scenario for everyone involved!
Our Services
Expert Services Designed to Meet Your Needs with Precision
Champ Plan Enrollment
Our Champ Plan provides employees with increased take-home pay and benefits by utilizing a 125 Cafeteria Plan, boosting spendable income and offering 100% coverage for office visits and prescriptions.
Virtual Health Services
The Champ Plan includes unlimited virtual primary, urgent, and mental health care, ensuring 24/7/365 access to board-certified physicians for employees, enhancing convenience and accessibility.
Preventive Health Coverage
Employees receive ACA-compliant preventive health exams with no out-of-pocket expenses, promoting proactive health management and early risk identification.
The Champ Plan enhances employee pay and benefits while reducing employer payroll taxes with compliant health solutions.
Our Features
Innovative Solutions for Modern Needs
Increased Take-Home Pay
Participating in the 125 Cafeteria Plan significantly reduces employees' taxable salary, effectively increasing their spendable income and providing additional benefits.
Unlimited Prescription Access
The Plan offers complete coverage for prescriptions through retail pharmacies without any copayments, ensuring unlimited access for employees and their families.
Proactive Health Management
Employees benefit from proactive medical care that identifies potential health risks, plus access to personal health assistants and a personal health manager.
Expense-Free Office Visits
The Plan covers 100% of office visit charges through First Health Providers, offering unlimited primary and urgent care visits for employees and their families.
Comprehensive Virtual Care
Employees get unlimited access to board-certified physicians anytime for primary, urgent, and mental health care, boosting convenience and accessibility.
Full Preventive Care Coverage
All preventive exams required by the ACA are fully covered with no out-of-pocket expenses, promoting long-term employee health and well-being.
Who We Are
Our Mission Vision and the Team Behind the Magic
The Champ Plan enhances employee pay and benefits while reducing employer payroll taxes with compliant health solutions.
The Champ Plan enhances employee pay and benefits while reducing employer payroll taxes with compliant health solutions.
Our Gallery
Unforgettable Moments Captured Here
Kreate Financial Safety is dedicated to helping businesses and individuals achieve long-term financial security through smarter financial strategies. We offer innovative tax strategies, supplemental health plans, and intelligent cash-flow design that protect your business, enhance employee benefits, and pay off debts more quickly—all without increasing your monthly payments.For businesses, Kreate Financial transforms employee benefits into tax-advantaged financial protection. We assist business owners in using supplemental health plans to reduce taxable income, create IRS-compliant tax efficiencies, and offer meaningful benefits that don’t add to the payroll burden. This approach improves employee retention and strengthens the financial foundation of the company, leading to lower taxes and a safer business environment.For individuals, particularly homeowners with a mortgage, we offer strategies to pay off your mortgage faster with the same monthly payment. By restructuring cash flow, reducing interest drag, and using strategic allocation, homeowners can shave years off their mortgage and save thousands, all while building liquidity and maintaining their lifestyle.Founded by Kari Smith, Kreate Financial is about practical guidance, integrity-driven solutions, and empowering clients with financial freedom that translates into peace of mind. Kari’s deep personal mission and diverse industry experience allow her to transform confusing financial decisions into manageable, secure plans that adapt as life and laws change.Moreover, our CHAMP health management program for businesses brings a revolutionary approach to employee benefits. Featuring $0 copay prescriptions, unlimited urgent care, and mental health services, it integrates seamlessly with existing setups. The plan boosts employee welfare without costing a dime extra for employers, increasing both take-home pay and compliance.Kreate Financial’s grounded and educational approach ensures that every strategy is customized to meet your specific goals, offering clarity, control, and confidence in your financial journey. Our mission is to serve and provide value to business owners and individuals who seek safety and growth through thoughtful, compliant financial planning.Whether you are a business owner, a company leader, or an individual aiming for financial safety, Kreate Financial is your partner in achieving security and success. Let’s protect what you’ve built and move forward with confidence. Book a strategy call today to explore the possibilities for financial safety and growth.
Our Products
Experience Our Unique Products
Champ Plan Enrollment
Our Champ Plan provides employees with increased take-home pay and benefits by utilizing a 125 Cafeteria Plan, boosting spendable income and offering 100% coverage for office visits and prescriptions.
Kreate Financial Safety for Businesses
Our strategies help homeowners pay off mortgages faster without changing monthly payments by restructuring cash flow and reducing interest, resulting in significant savings.
Virtual Health Services
The Champ Plan includes unlimited virtual primary, urgent, and mental health care, ensuring 24/7/365 access to board-certified physicians for employees, enhancing convenience and accessibility.
Kreate Financial Safety for Homeowners
This service provides a strategic approach to cutting down mortgage repayment time and interest paid, offering substantial savings and long-term financial security.
Preventive Health Coverage
Employees receive ACA-compliant preventive health exams with no out-of-pocket expenses, promoting proactive health management and early risk identification.
Mortgage Free Life Program
Our Champ Plan provides employees with increased take-home pay and benefits by utilizing a 125 Cafeteria Plan, boosting spendable income and offering 100% coverage for office visits and prescriptions.
Preventive Health Coverage
Kreate Financial aids business owners in reducing taxable income, improving cash flow, and offering IRS-approved tax benefits, all while enhancing employee benefit packages.
Champ Plan Enrollment
The Champ Plan includes unlimited virtual primary, urgent, and mental health care, ensuring 24/7/365 access to board-certified physicians for employees, enhancing convenience and accessibility.
Raving Reviews
Voices of Satisfaction
Our Clients
Our Clients Inspire Us to Deliver Excellence
About Us
Kreate Financial Safety is dedicated to helping businesses and individuals achieve long-term financial security through smarter financial strategies. We offer innovative tax strategies, supplemental health plans, and intelligent cash-flow design that protect your business, enhance employee benefits, and pay off debts more quickly—all without increasing your monthly payments.For businesses, Kreate Financial transforms employee benefits into tax-advantaged financial protection. We assist business owners in using supplemental health plans to reduce taxable income, create IRS-compliant tax efficiencies, and offer meaningful benefits that don’t add to the payroll burden. This approach improves employee retention and strengthens the financial foundation of the company, leading to lower taxes and a safer business environment.For individuals, particularly homeowners with a mortgage, we offer strategies to pay off your mortgage faster with the same monthly payment. By restructuring cash flow, reducing interest drag, and using strategic allocation, homeowners can shave years off their mortgage and save thousands, all while building liquidity and maintaining their lifestyle.Founded by Kari Smith, Kreate Financial is about practical guidance, integrity-driven solutions, and empowering clients with financial freedom that translates into peace of mind. Kari’s deep personal mission and diverse industry experience allow her to transform confusing financial decisions into manageable, secure plans that adapt as life and laws change.Moreover, our CHAMP health management program for businesses brings a revolutionary approach to employee benefits. Featuring $0 copay prescriptions, unlimited urgent care, and mental health services, it integrates seamlessly with existing setups. The plan boosts employee welfare without costing a dime extra for employers, increasing both take-home pay and compliance.Kreate Financial’s grounded and educational approach ensures that every strategy is customized to meet your specific goals, offering clarity, control, and confidence in your financial journey. Our mission is to serve and provide value to business owners and individuals who seek safety and growth through thoughtful, compliant financial planning.Whether you are a business owner, a company leader, or an individual aiming for financial safety, Kreate Financial is your partner in achieving security and success. Let’s protect what you’ve built and move forward with confidence. Book a strategy call today to explore the possibilities for financial safety and growth.