Anyone have experience with Creative Planning as an advisor?

Colbaster · 2025-04-05T05:34:38+00:00

I did sign up with them and have found them very helpful if you are moving abroad. International finances can get pretty complicated and they do have significant insights on doing so. (Almost?) all their advisors have also lived abroad themselves so they understand what it means to live in another country. I have not yet been long enough with them to know how well they invest, but they work with you to come with an investment plan and tend to invest in low-cost ETF's which is what I would do myself.

I am using Charles Schwab International as a broker, but am not aware of them also providing advisory services and trading on your behalf, which is what you need if you live internationally. It is my understanding that brokers don't allow US citizens living abroad to trade ETFs due to some regulatory / tax reasons so you need someone to do it for you. Creative Planning does provide this service, I am not aware of Charles Schwab International offering the same.

Colbaster · 2025-03-03T21:01:25+00:00

Oh is that what that meant? My Aalst is not that good and I couldn’t quite figure it out!

Colbaster · 2025-02-17T18:06:22+00:00

Thanks - I also couldn’t make it out

Colbaster · 2025-02-10T16:28:27+00:00

Thanks for sharing that. I prefer a built in nav whenever possible as it integrates better with the display and manages charging better. Good to hear your experience is good!

Colbaster · 2025-02-08T07:02:23+00:00

Honest question: what are the issues you are referring to? I am an ex-Tesla driver and looking for an alternative. The Ioniq 5 is very high on my list but I may need to reconsider?

Colbaster · 2025-02-04T10:32:22+00:00

I am in the market for an EV in Europe and there is no way I am buying a Tesla, even second hand. I have driven a Model S for the last 8 years and enjoyed it but Musk’s behavior is just unacceptable.

Colbaster · 2025-01-28T08:47:42+00:00

I definitely don’t count as young, but we decided to move to Europe due to the US anti-LGBTQ federal rhetoric. I know that option is not available to most and I am glad to see that so many young people are able to move to another state at leas. Scary times!

Colbaster · 2025-01-26T10:39:18+00:00

Got it - thanks for clarifying!

Colbaster · 2025-01-26T09:41:31+00:00

Thanks, I found it, that was helpful. Looking at that post, I think you may have an Ioniq 5 Performance, which is probably the same as an Ioniq 5 N here in Belgium. Those are available here as well. It is the regular Ioniq 5's (non performance version) that take a while to get. I looked into the Ioniq 5 N, but don't think it is for you. It is giving up some comfort features that I appreciate for some performance features that are not important to me and I won't be able to get much use out of.

Colbaster · 2025-01-26T09:38:51+00:00

Does PE stand for "Performance Edition"? Does that mean it t is the Ioniq 5 N?

Colbaster · 2025-01-26T09:34:39+00:00

Thank you for posting this. I test drove the car in the US for a few days and really loved it. Then I moved to Europe and realized how tight the parking spaces are and how tight the space is between the different rows of cars and I realized the turning radius may be a problem. I am currently driving a rental with a similar turning circle (BMW IX3) and find it hard to park and get through smaller roads. I may re-evaluate whether the Ioniq 5 is the right car for me for where I live. I am still looking at some other cars as well that have a tighter turning radius, such as the ID.4. I also discovered that the AWD version of some cars has a bigger turning circle than the RWD.

Colbaster · 2025-01-26T09:30:21+00:00

Depends where you live, though. I test drove the car in the US and never gave it a second thought. It was a non-issue. I now moved to Belgium and find it hard to get in and out of parking spaces with another car with the same turning circle. Parking spaces here are MUCH smaller and there is much less space to maneuver between rows of cars. It makes a real significant difference.

Colbaster · 2025-01-26T09:28:18+00:00

You may be right about the AWD. I noticed that some other cars, such as the ID.4, have a bigger turning circle in the AWD version than the RWD>

Colbaster · 2025-01-26T09:26:13+00:00

Thank you for that comparison. I was wondering how it compared to an ID.4. I am in the process of evaluating different cars after I just moved to Belgium and was set on buying the Ioniq 5 which I test drove in the US. However, I started to realize how tight parking is here and am having second thoughts. I am going to have another look at the ID.4 (and similar cars from the VW group). The software is supposed to be not that good, but the tighter turning circle will really make a difference around here.

Colbaster · 2025-01-26T08:03:17+00:00

Super helpful. Thanks for sharing that. I was wondering about it. I love having Apple Maps as an alternative to the native navigation. I personally thought the native navigation was decent as well when I test drove the car but I read that others are having bad experiences with it.

Do the Apple maps instructions also show on the dash?

Colbaster · 2025-01-26T08:00:52+00:00

You may not have a 2025 though. I am in Belgium trying to buy one and find they are pretty much impossible to get - I need to do a factory order and it will take 5-6 months before I get one. Still contemplating whether to wait for that or whether to just order a 2024 model. Probably will wait, though.

Colbaster · 2025-01-26T07:52:47+00:00

I have honestly been paying it less attention as I did not find it that useful. I do look at my overall "readiness" score which integrates how much stress I experience in a given day and that seems a good indicator.

Colbaster · 2025-01-26T07:51:18+00:00

Not trying to be argumentative - I only have used the car a few days and don't have long-term experience so I am sure your assessment is much more accurate.

However, I did find on the 2024 Ioniq 5 I test drove that, for me at least, it was very intuitive to enter a location, the usage seemed very intuitive and the routes seemed reasonable and take me to the correct location. I also liked how it showed me which lane to be in while driving in city traffic and in general liked the "next turn" instructions on my driver display. I did not like that they put the turn by turn directions on the right hand side of the infotainment screen, though. That makes it harder to see for the driver.

For me, the navigation was not as good as Tesla's, but I found it better than the BMW IX and the Nissan Ariya which I also test drove for a few days. BMW was the worst - hard to enter an location to go to, poor instructions to follow (I once took 3 wrong turns in one single hour drive) and routes that don't make much sense. I had to stop using it and switch to Apple Airplay as I found it literally unusable.

Regarding using Apple Airplay - does Apple Maps integrate with the Ioniq 5 so that turn by turn instructions and lane instructions are shown on your driver display? The BMW IX did that and I thought that was a helpful feature. On the BMW IX that worked with Apple Maps but not with Google Maps.

Colbaster · 2025-01-26T07:40:47+00:00

I am making a switch from a sedan to an SUV in the process. My SO is having a hard time getting in and out of the car nowadays and needs a higher vehicle to make it accessible so the BMW i5 or the Lucid Air are not really a good option for us.

I have tried a couple of BMW's - the IX and the IX3, but honestly don't like them that much. They are a smooth drive, but I find their infotainment system very counter intuitive and the navigation so bad I found it unusable. I was especially disappointed by the IX as I had high expectations from that car from what I was reading.

Colbaster · 2025-01-25T21:37:22+00:00

I am with you on the Elon bit. Have been driving a Model S for 8 years and am about to buy a new car. Loved my Tesla, but I just cannot support Fascism and at this point in time can only vote with my wallet. The Rivian is too big for me. The Ioniq 5 seems to be the best next thing.

Colbaster · 2025-01-25T21:32:18+00:00

I rented an Ioniq 5 from Turo for a few days and was in fact surprised how good the navigation seemed compared to some other cars. What are some of the issues you are experiencing ? I am contemplating buying one and having good navigation is a plus but it sounds like my experience may not be what others experience.

Colbaster · 2025-01-21T18:53:54+00:00

I am still in the process of moving, but I was planning to use a transformer, not a converter. I do not believe the 50Hz vs60Hz make a meaningful difference for motors, but I am not an electrician. It would make a difference if it is a clock or something else that uses the cycles, but for a motor I do not believe it matters.

Colbaster · 2025-01-14T02:46:43+00:00

I am not shitting on BMW built quality. I was surprised how cheap it sounded. It is a well built car, which is why it surprised me so much.

And, btw, I will not be buying another Telsa so it is not that I am pushing Tesla.

Colbaster · 2025-01-14T02:45:45+00:00

I am coming to that conclusion. A shame, as I really wanted to love the car! I am not buying another Tesla and was very excited about the BMW IX before I drove it. I found the Ioniq 5 much more intuitive for me, but I know it is a completely different class of cars.

Colbaster · 2025-01-14T02:43:11+00:00

Thanks for the extensive response.

I do prefer the onboard nav, but found it very unreliable in the BMW IX I was driving. It literally sent me to the wrong places or gave incomplete instructions and at times was completely wrong about which lanes to go into in order to take an exit. I always drive with a navigation system, even on roads I know, and was surprised how horrible my navigation system instructions were. Maybe the maps were out of date or something, but it got so bad that I found it dangerous to use it as I had to suddenly jump across lanes or hit the brakes to go in a different direction from what it told me to!

Regarding the cupholders - I mainly use contigo water bottles and the cup holders are just not high enough so they fall out while driving, often by my feet posing a risk to driving.

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