Creative Financial Solutions, LLC logo

Creative Financial Solutions, LLC

Updated today

Client assets under management

$0

Clients

0

Advisors

4

of 4 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

0

Average account size

About

Creative Financial Solutions primarily provides comprehensive financial planning and related advisory services to individuals, families, small businesses and trusts, covering investment analysis, tax and retirement projections, cash‑flow and education planning, insurance reviews and estate planning. Investment recommendations and execution are handled through the advisors’ dual registrations with an affiliated broker‑dealer/RIA and third‑party custodians, rather than through CFS holding or managing client assets directly.

The firm’s investment process is driven by financial‑planning software and third‑party research (for example Morningstar), and commonly employs mutual funds, ETFs, annuities and other pooled vehicles; written planning reports and periodic reviews are used to track progress. Fee arrangements center on planning fees, annual retainers and limited‑scope fee‑for‑service engagements, and CFS does not itself offer wrap programs, discretionary asset management, or custody of client funds.

Compared with typical investment‑manager firms, CFS is noteworthy for relying on planning and retainer/fee‑for‑service models instead of percentage‑of‑assets‑under‑management arrangements, and for advisors who derive a substantial portion of compensation from commissions while also being licensed to sell insurance. The firm’s advisors engage in outside business activities (including real estate interests) and operate as a small, multi‑branch advisory team that defers brokerage and discretionary management to affiliated custodial and advisor platforms.

Client services

Financial planning

Expertise

General retirement planning Income planning General tax planning Life insurance needs analysis

Fee options

Fixed

Fixed fees for financial planning engagements based on complexity and time required

Commissions

Commissions earned from investment and insurance products sold by advisors

Project-based

Fees based on hourly charges as needed for limited scope services

Subscriptions

Annual retainer fee for ongoing financial planning services (not deducted from accounts)

Other

Minimum fee: Minimum fee of $750.00 for financial planning services Fee-only: Financial planning fees based on complexity and net worth (starting at 0.5% of net worth) with minimum of $750; annual retainer fee for ongoing planning services

Main office location

Creative Financial Solutions, LLC

310 E. Court Street

Washington C. H. OH 43160, United States

Number of offices

3

Most active in

Kentucky · Ohio · West Virginia

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

William H

CFP®, Series 63

Ironton, OH

Creative Financial Solutions, LLC

William Hensley is a CFP®-credentialed financial advisor with 29 years of industry experience. He is a principal at Creative Financial Solutions, LLC, where he has worked since 2001, and has held roles with Cambridge Investment Research Advisors Inc. since 2014. Hensley serves as a board member for Young Life Huntington and has been involved with the Rotary Club of Barboursville, including a past presidency. Creative Financial Solutions, LLC provides customized financial planning and advisory services for individuals, families, small businesses, and trusts, focusing on retirement, tax, insurance, and estate planning. The firm emphasizes individualized planning supported by financial software and third-party research, while investment management is conducted through dual registrations with Cambridge Investment Research and custodial platforms.

General retirement planning Income planning General tax planning Life insurance needs analysis
user avatar

Steven S

Series 63

Barboursville, WV

Creative Financial Solutions, LLC

Steven Smith is a financial advisor with Creative Financial Solutions, LLC, holding a Series 63 designation and 38 years of industry experience. He has been with Creative Financial Solutions since 2008 and also maintains dual registrations with Cambridge Investment Research Advisors Inc. Outside of his advisory work, Smith is a part owner of Esquire Country Club in Barboursville, WV. Creative Financial Solutions provides customized financial planning and advisory services for individuals, families, small businesses, and trusts. The firm focuses on individualized planning supported by third-party research and does not take custody of client assets, with investment activities managed through dual-registered advisors and custodial platforms.

General retirement planning Income planning General tax planning Life insurance needs analysis
user avatar

Jeremy K

CFP®, Series 66

Washington Court House, OH

Creative Financial Solutions, LLC

Jeremy Kelley is a CFP® professional with 17 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. He has worked at Cambridge since 2018 and previously spent five years at The Huntington Investment Company. Outside of his advisory role, Kelley is involved with independent insurance agencies and serves as a trustee for nonprofit organizations. Cambridge Investment Research Advisors serves individual investors, retirement plans, charitable organizations, and pension/profit-sharing plans through a large network of independent financial professionals. The firm offers financial planning, portfolio management, and retirement plan advisory services, utilizing a range of account platforms and investment approaches.

General retirement planning Income planning General tax planning Life insurance needs analysis
user avatar

Mark C

CFP®, Series 63

Washington Court House, OH

Creative Financial Solutions, LLC

Mark Casto is a CFP® professional with 26 years of industry experience, currently serving at Creative Financial Solutions, LLC. He has worked with Cambridge Investment Research Advisors Inc. since 2014. Outside of his advisory role, he operates as an independent insurance agent through his own firm, MARK CASTO, LLC. Creative Financial Solutions, LLC provides customized financial planning and advisory services for individuals, families, small businesses, and trusts. The firm emphasizes individualized planning supported by financial-planning software and third-party research, while investment activities are conducted through advisors’ dual registrations with Cambridge Investment Research and custodial platforms such as Fidelity and Schwab.

General retirement planning Income planning General tax planning Life insurance needs analysis
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