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

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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

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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 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
August 2017
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    Insurance, End of Life
Should I boost a death benefit to convert the cash value of a life insurance policy?
89% of people found this answer helpful

I am sorry for your loss.

Under insurance law there has to be a corridor between the cash value and the face value of the policy. This means the death benefit must be higher than the cash balance inside the policy (under normal circumstances). When the cash balance in the policy is above the face value, the death benefit the to you will be the cash value plus the corridor. If you check your last insurance statement or call the company, they will tell you the cash balance and what the death benefit is currently.

I am not sure what a boost in death benefit is referring to, unless you are referring to the approximately $20,000 over the face value of the policy. This will be included in the death benefit you get along with the extra amount for the corridor, when you file your claim for death benefits.

Filing the claim normally requires a certified death certificate and maybe an insurance form. I would suggest contacting the insurance company quickly and get the claim process underway. From what you described you will not be leaving any money on the table. It is yours, so go claim it.


September 2016
How do I determine the expense ratio of an ETF?
89% of people found this answer helpful
September 2016
Does my employer's matching contribution count towards the maximum I can contribute to my 401(k) plan?
86% of people found this answer helpful
October 2016
I'm new to this. Can I sell or buy stock by myself?
86% of people found this answer helpful
September 2016
What happens to my common stock in a Chapter 11 buyout?
85% of people found this answer helpful
August 2016