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Peter J. Creedon

Personal Finance, Investing, Insurance
“With over 18 years of experience in the financial industry, Peter J. Creedon incorporates today’s advanced technology tools with industry experience to give his clients the best opportunity of reaching their financial goals.”

Crystal Brook Advisors

Job Title:



Peter is the founder of Crystal Brook Advisors. With over 18 years of professional experience in the financial planning and investing industry, Peter has successfully educated young professionals, entrepreneurs and advanced investors reach their financial planning and investing goals. As an educator, Peter encourages clients to ask questions. He will provide an understandable answer for each client's specific financial planning and investing needs.

Crystal Brook Advisors are committed to designing, developing, and implementing a broad range of investment advisory solutions which include comprehensive financial plans and investing programs with an established practice of high ethical and fiduciary standard, transparency, and expertise. Whether you’re a short or long-term horizon investor, we can help you or your business with the products and services that meet your specific financial planning and investing need.

Peter’s team provides expert advice by combining research with effective technology tools, bridging tradition and contemporary financial planning and investment management solutions.

Peter is a licensed Certified Financial Planner™ (CFP), Chartered Financial Consultant (ChFC), and Chartered Life Underwriter (CLU).

Peter holds two Bachelors of Science and a Master’s Degree. Prior to Crystal Brook Advisors, Peter was a Branch Manager and Financial Advisor at American Express Advisors.

Peter teaches Financial Planning and Business planning at the American College.

Peter has been published in various media channels: CNBC, Fortune Magazine, Investopedia, to name a few.


BS, Business Administration, Alfred University
BS, Health Care Administration, Alfred University
MPS, Health Care Administration, Long Island University

Fee Structure:


CRD Number:


Insurance License:



Crystal Brook Advisors is a Registered Investment Advisor in the State of New York. Security Investments are not FDIC insured. Security Investments are not Bank guaranteed. Investing in securities involves risks, a potential of losing money when investing in securities. Before investing, review your investment objectives and Crystal Brook Advisors charges and expenses. Investments past performance does not guarantee future results. Visitors using CrystalBrookAdvisors.com website agree to accept our Terms + Conditions and Privacy Policy.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

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November 2016
    Small Business, Taxes
May 2018
October 2018
March 2017
August 2018

All Answers
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    401(k), Retirement Plans
Do my 401(k) contributions lower my income?
88% of people found this answer helpful

I think the issue is due to confusing gross income and taxable income.  When you contribute to a 401(k) retirement account you are making a pre-tax contribution, thereby not paying tax on the money today. Under the retirement rules the money grows tax deferred until the day you make withdrawals, then you are taxed on the amounts you withdraw during that year. Your gross income does not change, just taxable income. As an example if you earn $100,000 (gross Income) and you contribute $15,000 to your 401(K), your taxable income will be $85,000, but your gross income is still (remains) $100,000. If you check your year end W-2 or 1099 statements you will see how the taxable income and gross income are entered.

Another term you may encounter for benefits is Adjusted Gross Income which is your gross income minus adjustments to income, which is located on the bottom of the first page of you tax return.

March 2018
Can an individual contribute to both a Roth IRA and a Traditional IRA in the same year?
0% of people found this answer helpful
March 2018
    Debt, Retirement, IRAs, Real Estate
Should I withdraw funds from my IRA?
33% of people found this answer helpful
October 2017
    Financial Planning, Investing, IRAs
Do I need to open a Roth IRA or can I just use a taxable account?
60% of people found this answer helpful
March 2017
    Life Insurance, Long-Term Care Insurance
How do I determine if long-term care insurance or life insurance is better for my family?
67% of people found this answer helpful
March 2017