# Joann Nieciecki

> Joann Nieciecki is a fee-only financial advisor at Creative Money in Naperville, Illinois. Creative Money reports charging hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/joann-nieciecki/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Creative Money
- **Based in:** Naperville, Illinois
- **Fee model (firm's Form ADV):** Hourly; Fixed fees
- **CRD:** 7526548 (https://adviserinfo.sec.gov/individual/summary/7526548)
- **SEC registration:** Investment adviser representative in IL, WA
- **Exams passed:** Series 65 (2022)
- **Firm size:** 5 employees
- **Disclosures:** None reported
- **Website:** http://www.creativemoney.biz

## Frequently asked questions

### Is Joann Nieciecki a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Joann holds no broker registration, and Creative Money reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Joann charge for financial advice?

Joann's firm, Creative Money, reports charging hourly fees and fixed fees on its SEC Form ADV.

### Where is Joann Nieciecki based?

Joann Nieciecki is based in Naperville, Illinois.

### Is Joann Nieciecki registered with the SEC?

Yes. Joann Nieciecki is registered as an investment adviser representative in IL and WA (CRD 7526548), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How do I contact Joann Nieciecki?

Through Joann's website, www.creativemoney.biz.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7526548): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

---

Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.