Bradford D. Creger, AAMS, AIFA, CAS, CFS, CLTC, CPFA is the Founder of BFF Financial, Inc. and currently serves as our Chief Economist and Lead Wealth Strategist. Brad began his financial services career in 1993 and has consistently contributed to the financial services industry as a thought leader. In 1998 Brad created what is today known as "Springing Special Needs Trust Language" which quickly was recognized as one of the most important changes to trust law in nearly 50 years.  Today, Brad is pioneering a new modern approach to 401(k) plan management which significantly cuts plan investment costs, dramatically reduces fiduciary liability and gives the business owner back