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Creative Financial Designs

Wealth managementIndependent broker-dealer

Kokomo, INCRD 109032Updated

Creative Financial Designs is an investment adviser based in Kokomo, IN, registered with the SEC since 2001. It provides financial planning and investment management. Its clients include individual clients, high-net-worth individuals, and pension and profit-sharing plans. Its regulatory assets under management total $2.94 billion, as filed on 30 March 2026.

$2.94B
AUM
10.6K
Clients
$276K
AUM per individual client
155
Advisory staff
105
Offices
See fees
Annual fee

From Form ADV filed 30 March 2026SEC record

Services and clients

Creative Financial Designs provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, publishing newsletters, and educational seminars. Financial planning was provided to 251–500 clients last fiscal year.

Creative Financial Designs reports 10,566 clients. They include 10,015 individual clients, 462 high-net-worth individuals, and 37 corporations and other businesses. Of its assets, 99.1% ($2.91B across 14,962 accounts) are managed with discretion; $27.2M across 67 accounts are not. It advised 473 clients without assets under management last fiscal year.

Clients and assets by client type
Clients10,566 clients
Assets$2.94B
Share of clients and assets by client type
Client typeClientsAssets
Individuals (other than HNW)95%70%
High-net-worth individuals4%29%
Pension and profit-sharing plans<1%<1%
Charitable organizations<1%<1%
Corporations and other businesses<1%<1%
Client breakdown and activity details
Individuals (other than HNW)
Clients
10,015
Regulatory AUM
$2.05B
AUM share
69.7%
Avg. per client
$205K
High-net-worth individuals
Clients
462
Regulatory AUM
$842M
AUM share
28.6%
Avg. per client
$1.82M
Pension and profit-sharing plans
Clients
19
Regulatory AUM
$21.6M
AUM share
0.7%
Avg. per client
$1.14M
Charitable organizations
Clients
33
Regulatory AUM
$9.61M
AUM share
0.3%
Avg. per client
$291K
Corporations and other businesses
Clients
37
Regulatory AUM
$18.8M
AUM share
0.6%
Avg. per client
$508K

Total

Clients
10,566
Regulatory AUM
$2.94B
AUM share
100%
Avg. per client
$278K
Clients outside the U.S.
0%
Clients advised without assets under management last fiscal year
473
Private funds advised
0
Financial planning clients last fiscal year
251–500

Creative Financial Designs fees and minimums

Creative Financial Designs is paid through a percentage of assets under management, hourly charges, subscription fees and fixed fees (other than subscription fees); its fees and minimums are set out in its brochures on the SEC website.

Who owns Creative Financial Designs

Owens Family Trust Dated 8/1/2007 owns 50% to 75% of Creative Financial Designs and is in turn owned by Kathryn Owens (50–75%). The leadership team of Creative Financial Designs includes President Brent Owens, Chief Financial Officer Gregory Smith and Chief Compliance Officer Matthew Bahrenburg. It has 170 employees, 155 of them in advisory roles.

Leadership

  • Brent Owens
    President, Director
  • Kregg Rooze
    Director, Vice President
  • Gregory Smith
    Chief Financial Officer
  • Matthew Bahrenburg
    Chief Compliance Officer
  • Brigit Braun
    Director
  • Mickey Owens
    Director
  • Brooke Rockey
    Secretary, Director
  • Christopher Rockey
    Director, Treasurer

Investment adviser representatives

162 representatives listed in the SEC register as of 9 October 2026.

  • Brandon Douglas Akers
  • Sue Ellen Allbaugh
  • Douglas Jay Atkins
  • Orrie Clayton Augsburger
  • Matthew O Bahrenburg
  • Ricky L Bain
  • Daniel Ballister
  • Joseph Ryan Bates
  • Thomas Eli Beachy
  • Douglas Christopher Beam
  • Russell Brian Beasley
  • Paul Martin Betenbaugh

Staff

  • 170 employees
  • 155 in advisory functions
  • 150 state-registered reps
  • 160 broker-dealer reps
  • 117 insurance agents
  • 2 soliciting firms
Ownership chain
Creative Financial Designs, Inc.· the adviser

  • Owens Family Trust Dated 8/1/2007

    Control person · since March 2014

    Owns 50% to 75% of Creative Financial Designs, Inc.

    • Kathryn Owens

      Control person · since August 2007

      Owns 50% to 75% of Owens Family Trust Dated 8/1/2007

  • Brent Owens

    Control person · since August 1997

    Owns 25% to 50% of Creative Financial Designs, Inc.

  • Owens Family Trust Dated December 2000

    Control person · since March 2003

    Owns 25% to 50% of Creative Financial Designs, Inc.

  • Owens Family Trust Dated December

    Control person · since March 2003

    Owns 25% to 50% of Creative Financial Designs, Inc.

Growth and acquisitions

Creative Financial Designs’ regulatory assets grew 2.0× from $1.45B (March 2021) to $2.94B (March 2026); clients rose from 6,009 to 10,566 and employees from 157 to 170.

By annual filing
Measure
Figures from each annual filing
Creative Financial Designs figures from each annual Form ADV filing
FiledRegulatory AUMClientsEmployeesOffices
March 2026$2.94B10,566170105
March 2025$2.48B9,767150102
March 2024$2.08B8,723152109
March 2023$1.71B8,17414595
March 2022$1.92B7,465148118
March 2021$1.45B6,009157118

Offices and registration details

Besides its headquarters, Creative Financial Designs has 104 offices (1 private residence, listed without an address), with 25 listed addresses across 11 states.

Listed office addresses by state

Indiana · 8 listed addresses

  • 2704 S Goyer RD, KokomoHQ
  • 354 E. National Avenue, Brazil
  • Vantage Center, Greenwood
  • 3835 Edison Lakes Pkwy, Mishawaka
  • 6838 South East Street, Indianapolis
  • 116 S. Main Street, Tipton
  • 3484 Stellhorn RD., FT. Wayne
  • 1589 Burton Lane, Martinsville

Contact and registration details

Legal name
Creative Financial Designs, Inc.
Headquarters
2704 S Goyer RD, Kokomo, IN 46902
Website
creativefinancialdesigns.com
Phone
765-453-9600
SEC file
801-60153
Structure
Indiana corporation
Fiscal year end
December

Custodians

Creative Financial Designs uses Fidelity ($1.86B, 65%) and Charles Schwab ($986M, 35%) as custodians for its separately managed accounts. Creative Financial Designs does not have custody of client assets.

Reported separately managed account assets by custodian
$2.85B
named custodians
  • FidelityNational Financial Services LLC · Boston, MA · $1.86B65%
  • Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $986M35%

Investments and reported holdings

At year end, Creative Financial Designs’ separately managed accounts were mostly in stocks (53%) and funds (41%).

What the accounts hold

Separately managed account assets by class, year end
  • Stocks53%
  • Funds41%
  • Cash6%

Common questions

How many clients does Creative Financial Designs have?

Creative Financial Designs has 10,566 clients and manages $2.94 billion for them, as of March 2026. They include 10,015 individual clients, 462 high-net-worth individuals, and 37 corporations and other businesses.

Source: Form ADV Part 1A, Items 5.D and 5.F, filed 30 March 2026

What services does Creative Financial Designs offer?

Creative Financial Designs provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, publishing newsletters, and educational seminars.

Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file

Which custodians does Creative Financial Designs use?

Creative Financial Designs’ separately managed account assets are held at National Financial Services LLC (Boston, MA), with $1.86B and Charles Schwab & Co., Inc. (Westlake, TX), with $986M. Only custodians holding at least a tenth of those assets are named.

Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 30 March 2026

How many financial advisors does Creative Financial Designs have?

Creative Financial Designs has 150 investment adviser representatives registered with state securities authorities, out of 170 employees, and 155 perform investment advisory functions. 160 employees are registered representatives of a broker-dealer and 117 employees are licensed insurance agents.

Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file

What does Creative Financial Designs invest in?

At the end of its last fiscal year, Creative Financial Designs’ separately managed accounts held 53% exchange-traded equities, 41% registered funds (mutual funds, ETFs, BDCs) and 6% cash and equivalents.

Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file

Who owns Creative Financial Designs?

Creative Financial Designs is owned through a trust by Kathryn Owens. Its direct owners are Brent Owens (25% to 50%), Owens Family Trust Dated December 2000 (25% to 50%), Owens Family Trust Dated December (25% to 50%) and Owens Family Trust Dated 8/1/2007 (50% to 75%).

Source: Form ADV Part 1A, Schedules A and B, filed 30 March 2026

How does Creative Financial Designs get paid?

Creative Financial Designs is paid through a percentage of assets under management, hourly charges, subscription fees and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.

Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file

Is Creative Financial Designs registered with the SEC?

Yes, Creative Financial Designs has been registered with the SEC as an investment adviser since 19 April 2001. Its CRD number is 109032 and its SEC file number is 801-60153.

Source: Form ADV Part 1A, Item 1, filed 30 March 2026; IAPD firm record

How do I contact Creative Financial Designs?

Creative Financial Designs’ main office is at 2704 S Goyer RD, Kokomo, IN 46902. Its phone number is 765-453-9600. Its website is creativefinancialdesigns.com.

Source: Form ADV Part 1A, Item 1.F, filed 30 March 2026

Sources and methodology

  1. Form ADV Part 1A, amendment filed 30 March 2026. Items 1, 5, 9, 11 and Schedules A, B and D.
  2. FORM ADV PART 2A BROCHURE, submitted 30 March 2026.
  3. SEC-filed document.
  4. IAPD firm record, CRD 109032.
  5. SEC registered adviser data, annual Form ADV amendments filed 29 March 2021 to 30 March 2026. Items 1.F and 5.
  6. SEC investment adviser representative register, as of 9 October 2026; loaded 10 October 2026.

Retrieved 15 October 2026. All are published by the SEC and may have been amended since. Disciplinary history is not yet shown here. The SEC publishes the complete record, including any disciplinary events, and it is the authoritative place to check one. The logo is reproduced for identification from Creative Financial Designs, Inc., website.

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