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Most advisors only talk stocks, bonds, and mutual funds—while serious LPs are hunting real estate, private credit, oil & gas, and other true alternatives.

Which means many investors are left to DIY their alternative portfolio—sorting through deals without institutional access, objective due diligence, or a framework to know what’s worth wiring into.

In this episode of The Passive Income Playbook (on the Best Ever CRE Show), Pascal Wagner sits down with Fred Hubler, founder of Creative Capital, a retainer-based wealth firm serving 300+ families across 30 states.

Fred’s practice is built to advise across the entire balance sheet—not just what an advisor can custody—so clients can add institutional-grade alternatives alongside their public market exposure.

In this episode, you’ll learn how to:
✅ Build a portfolio like an endowment—balancing public markets with real estate, private credit, and other alts
✅ Evaluate deals with a repeatable due diligence filter (so you don’t waste time on losers)
✅ Spot “unfair advantages” that separate winning sponsors from average operators
✅ Understand DSTs, non-traded REITs, and direct LPs—and when each makes sense for you
✅ Use oil & gas strategically—for tax offsets and long-term income
✅ Avoid the trap of paying 1% AUM fees for advice that ignores 70% of your balance sheet

If you’ve ever felt underserved by AUM-only advice—or you’re building an LP portfolio that needs real diversification and better deal selection—this episode gives you a practical playbook to evaluate opportunities with confidence.

Chapters:
00:06 – Why most advisors miss alternatives (and how Fred fills the gap)
02:22 – From 9/11 stockbroker to alt-focused advisor: the turning point
07:12 – What endowments do differently: 70–80% outside public markets
11:00 – Retainer vs. AUM: incentives, scope, and who benefits
15:21 – The 50/10/20/20 portfolio: public, cash, alts, & real estate
19:44 – Access & scale: tapping institutional-grade opportunities
22:04 – Mutual funds ≠ diversification: the SPY consolidation story
26:00 – How to vet deals: track record, fees, and alignment (no hero risk)
33:13 – “Unfair advantages”: franchise roll-ups & proven exit buyers
35:33 – Land options → shovel-ready neighborhoods (developer demand)
41:00 – Oil & gas diligence: breakeven math, price risk, and structure
46:36 – How long real diligence takes (and why most skip it)