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  • Defining the plan

    that's right for you

    Strategic benefit consulting for your business needs

  • Human resource



  • Innovative methods

    of financing benefits


  • Extensive offering

    of benefit plans


Welcome To Creative Benefit Systems and
Swanson - Phillips & Associates

Creative Benefit Systems has been providing Insurance and Employee Benefit Services since 1980. The agency was originally established with offices in Muskegon and Grand Rapids, Michigan. In 2011 the Grand Rapids office merged with Swanson-Phillips & Associates, LLC. Under the leadership of Steven Wisneski the Muskegon office continued to operate independently.

Recently, Creative Benefit Systems' Muskegon office entered into an agreement to merge with Swanson-Phillips & Associates. Steve Wisneski joined his former partner James Gilbert and the staff at Swanson-Phillips in order to take advantage of the client service resources that Swanson-Phillips can provide. Although the offices were moved to Grand Rapids the staff of Creative Benefit Systems continues to service the lakeshore area. Feel free to call us with questions about how this strategic alliance can assist you in meeting the requirements of the Affordable Care Act.

Please note the new address shown below. Our phone and fax numbers remain the same.

  • Medical
  • Dental
  • Prescription
  • Life
  • Disability