# Creative Financial Designs, Inc.

> Creative Financial Designs, Inc. is an SEC-registered investment advisory firm in Kokomo, IN, registered since 2001, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated March 30, 2026.

- CRD: 109032
- Filed as: CREATIVE FINANCIAL DESIGNS, INC.
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Kokomo, IN
- Filing period: October 2026
- Form ADV filing dated: March 30, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/109032
- AdvisorCensus page: https://advisorcensus.com/firm/creative-financial-designs-inc-kokomo-in-109032

## Quick answers

**How is Creative Financial Designs, Inc. compensated?**
On its Form ADV (Item 5.E, October 2026), Creative Financial Designs, Inc. reports these compensation arrangements: a percentage of assets under its management; hourly charges; subscription fees (for a newsletter or periodical); fixed fees (other than subscription fees).

**How much does Creative Financial Designs, Inc. charge?**
Its Form ADV Part 2A brochure dated March 30, 2026 states: Hourly rate: $350 an hour (specialty services). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Creative Financial Designs, Inc. located?**
Creative Financial Designs, Inc.'s principal office is in Kokomo, IN, according to its Form ADV; the April 2026 filing also lists 24 other offices (Schedule D, Section 1.F).

**Is Creative Financial Designs, Inc. registered with the SEC or a state?**
Creative Financial Designs, Inc. is an SEC-registered investment advisory firm, registered since 2001. Status as filed: Approved. CRD 109032.

**How much does Creative Financial Designs, Inc. manage?**
Creative Financial Designs, Inc. reports $2,941,557,605 in regulatory assets under management in its Form ADV filing dated March 30, 2026 (99% discretionary).

**How have Creative Financial Designs, Inc.'s assets and staff changed since 2021?**
In the Form ADV data for Creative Financial Designs, Inc.: Regulatory assets under management: $1,447,771,483 in the October 2021 data and $2,941,557,605 in the October 2026 data, up 103%. Total employees: 157 in October 2021 and 170 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Creative Financial Designs, Inc. serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (10,015); high net worth individuals (462); corporations or other businesses not listed above (37).

**Which custodians does Creative Financial Designs, Inc. use?**
Creative Financial Designs, Inc.'s most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and National Financial Services LLC as custodians holding 10% or more of its separately managed account assets.

**Does Creative Financial Designs, Inc. report any disciplinary disclosures?**
Reports 10 disclosure items on Form ADV Item 11: yes answers to 1 question about criminal matters and 9 questions about regulatory matters (11.A(2), 11.C(1), 11.C(2), 11.C(4), 11.C(5), 11.D(1), 11.D(5), 11.E(1), 11.E(2), 11.E(4)). Each question covers the firm and its advisory affiliates, and one event can produce several yes answers. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/109032

**What changed in Creative Financial Designs, Inc.'s recent Form ADV filings?**
In the April 2026 filing data: Employees performing advisory functions went from 150 to 155. Regulatory assets under management went from $2,478,773,967 to $2,941,557,605 (+19%). Added an office in Martinsville, IN. No longer lists an office in Harrisonburg, VA. Updated its list of owners and control persons (Schedule A).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Subscription fees (for a newsletter or periodical)
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 30, 2026)

- Hourly rate: $350 an hour (specialty services)

> These likely specialty services can be billed up to $350 per hour.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- National Financial Services LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $2,941,557,605
- Discretionary: $2,914,359,046
- Non-discretionary: $27,198,559

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 10,015 | $2,049,904,560 |
| High net worth individuals | 462 | $841,634,103 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 19 | $21,618,877 |
| Charitable organizations | 33 | $9,607,461 |
| Corporations or other businesses not listed above | 37 | $18,792,604 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Portfolio management for businesses (other than small businesses) or institutional clients
- Pension consulting services
- Publication of periodicals or newsletters
- Educational seminars/workshops

### Firm details
- Registered since: 2001 (25 years)
- Employees: 170 total, 155 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY
- Disclosures (Item 11): Reports 10 disclosure items on Form ADV Item 11.

### Item 11 questions answered yes
- 11.A(2): In the past ten years, has the firm or an advisory affiliate been charged with a felony?
- 11.C(1): Has the SEC or the CFTC ever found that the firm or an advisory affiliate made a false statement or omission?
- 11.C(2): Has the SEC or the CFTC ever found that the firm or an advisory affiliate was involved in a violation of SEC or CFTC regulations or statutes?
- 11.C(4): Has the SEC or the CFTC ever entered an order against the firm or an advisory affiliate in connection with investment-related activity?
- 11.C(5): Has the SEC or the CFTC ever imposed a civil money penalty on the firm or an advisory affiliate, or ordered the firm or an advisory affiliate to cease and desist from an activity?
- 11.D(1): Has another federal regulator, a state regulator, or a foreign financial regulator ever found that the firm or an advisory affiliate made a false statement or omission, or was dishonest, unfair, or unethical?
- 11.D(5): Has another federal regulator, a state regulator, or a foreign financial regulator ever denied, suspended, or revoked the registration or license of the firm or an advisory affiliate, prevented either by order from associating with an investment-related business, or restricted either one's activity?
- 11.E(1): Has a self-regulatory organization (such as FINRA) or a commodities exchange ever found that the firm or an advisory affiliate made a false statement or omission?
- 11.E(2): Has a self-regulatory organization or a commodities exchange ever found that the firm or an advisory affiliate was involved in a violation of its rules, other than a minor rule violation under a plan the SEC approved?
- 11.E(4): Has a self-regulatory organization or a commodities exchange ever disciplined the firm or an advisory affiliate by expelling or suspending it from membership, barring or suspending it from association with other members, or otherwise restricting its activities?

Each question covers the firm and its advisory affiliates: its current employees other than clerical staff, its officers, partners, and directors, and anyone who controls the firm or is controlled by it. One event can produce yes answers to several questions. SEC-registered advisers and exempt reporting advisers may leave out events more than ten years old, and may answer 11.A(2) and 11.B(2) for pending charges only. The detail of each yes answer is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/109032

### Other offices (Schedule D, Section 1.F), as of the April 2026 filing
- Bluffton, OH
- Boise, ID
- Bowling Green, OH
- Brazil, IN
- Cincinnati, OH
- Cookeville, TN
- Flint, MI
- Ft. Wayne, IN
- Greenville, OH
- Greenwood, IN
- Hollister, CA
- Indianapolis, IN
- Joplin, MO
- Lenexa, KS
- Lincoln, NE
- Martinsville, IN
- Mishawaka, IN
- Pekin, IL
- Peoria, IL
- Shelby Township, MI
- Succasunna, NJ
- Tipton, IN
- Urbana, IL
- Zanesville, OH

### Websites listed on Form ADV (Item 1.I)
- abelfinancialconsultants.com
- alliantfinancialsolutions.com
- artesianfinancialgroup.com
- atkinsplan.us
- beachywm.com
- bestfinancialkc.com
- betenbaughfinancial.com
- billbreagy.com
- blackmontadvisors.com
- brandonakers.com
- brannanfinancial.net
- breedencpa.com
- brentowens.com
- bridgeviewfinancial.com
- buxtoninvestments.com
- bwealthmngt.com
- caleb-clark.com
- capitalplanningsystems.com
- cfcadvisers.com
- cfdcompanies.com
- cfdinvestments.com
- chrisrockey.com
- clarkguy.com
- communitytaxservice.com
- covenantfg.com
- creativefinancialdesigns.com
- creativefinancialgrp.com
- creativeportfoliomanagement.com
- diamondfinancialgroup1.com
- diamondfsinc.com
- diligentwealth.com
- dreesfinancial.com
- drummondfinancialsolutions.com
- dusoldfinancial.com
- eagleflightwealthmgmt.com
- edwardcamp.com
- financialharmonydesigns.com
- firmfoundationsgroup.com
- franklinwealthadvisors.com
- frontierplanning.com
- glenn-financial.com
- hidalgofinancial.com
- hoosierfa.com
- ifpassociates.com
- investforthegloryofgod.com
- jakeoliverinvestments.com
- jimkohlhepp.com
- joannebroadwater.com
- joincfd.com
- klhfinancialservices.com
- leegrossman.com
- lfswealthadvisors.com
- library-messages.com/5bffc15a-0186-4d98-b5f1-c37ec89f3972
- library-messages.com/825e83b6-d87d-4c05-976f-109481e05cf9
- library-messages.com/ff234fd4-92c7-4b10-b09c-1e61c99d7fdd
- lighthousestrategies.com
- lolleyfinancial.com
- lrfinancial.com
- mac-advisors.com
- markgrayfinancial.com
- matsonretirementplanning.com
- mayfg.com
- mcnealwealth.com
- moralwealthstrategies.com
- myfaithinvestments.com
- northernwealthmanagement.org
- pathfinderadvocates.com
- planningpays.net
- prolifeinvesting.org
- rachaelcampwealth.com
- raywealthmanagement.com
- rdambola.com
- setapartinvesting.com
- shieldfin.com
- soundmindfinancial.com
- southernheritageinvestments.com
- spectrumfinancialgroup.net
- ssbhibbing.com/investments.html
- standingfirmfinancial.com
- stewardwm.com
- swanwmgmt.com
- swsplanning.com
- vimeo.com/user84102707
- waynefourman.com
- yourwealthcenter.com
- Facebook @cfdcompanies
- Instagram @cfdcompanies
- LinkedIn @cfd-companies
- X @cfdcompanies
- YouTube @CFDCompanies

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $1,447,771,483 | 157 | March 29, 2021 |
| October 2022 | $1,916,688,922 | 148 | March 31, 2022 |
| October 2023 | $1,710,359,005 | 145 | March 28, 2023 |
| October 2024 | $2,082,130,980 | 152 | March 25, 2024 |
| October 2025 | $2,478,773,967 | 150 | March 27, 2025 |
| October 2026 | $2,941,557,605 | 170 | March 30, 2026 |

Regulatory assets under management: $1,447,771,483 in the October 2021 data and $2,941,557,605 in the October 2026 data, up 103%.
Total employees: 157 in October 2021 and 170 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Employees performing advisory functions went from 150 to 155.
- Regulatory assets under management went from $2,478,773,967 to $2,941,557,605 (+19%).
- Added an office in Martinsville, IN.
- No longer lists an office in Harrisonburg, VA.
- Updated its list of owners and control persons (Schedule A).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Creative Financial Designs, Inc. (CRD 109032): Form ADV filing data as of October 2026.