Jacob Matthew Waters

Jeremy Kelley is a financial advisor at Creative Financial Solutions, LLC with 18 years of industry experience. He holds the CFP® and Series 66 designations and previously worked at Cambridge Investment Research Inc. and The Huntington Investment Company. Kelley is also an independent insurance agent with various companies. Creative Financial Solutions primarily provides comprehensive financial planning and advisory services to individuals, families, small businesses, and trusts. The firm emphasizes planning and fee-for-service models over asset-based fees and uses third-party custodians for investment execution rather than managing client assets directly.

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.

Ryan Garland is a CFP® professional at Savvy with seven years of industry experience. He has worked at multiple firms including Budros, Ruhlin & Roe and Corient Services LLC. Outside of his advisory role, Garland facilitates farm succession planning with agricultural families through Nationwide Land As Your Legacy, where he also delivers presentations and helps connect clients with relevant professionals. Savvy provides customized discretionary and non-discretionary investment and wealth management services to individuals, trusts, estates, retirement plans, charitable organizations, corporations, and other legal entities. The firm combines an index-based core with tailored strategies such as direct indexing with tax-loss harvesting, active and passive stock portfolios, and ESG-focused models, supported by proprietary technology and third-party platforms.

Richard Tucker is a financial advisor with Fifth Third Securities, Inc. in Circleville, Ohio. He holds Series 63 and Series 66 licenses and has 32 years of industry experience, including 27 years with Fifth Third Securities. Fifth Third Securities, Inc. provides brokerage and investment advisory services through its Passageway Managed Account Program to individuals, charitable organizations, corporate and business clients, and institutional investors. The firm offers a range of discretionary managed-account programs and features such as direct indexing and tax-overlay services, operating as a wholly owned subsidiary of Fifth Third Bank.

Seth Hargrove is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Fifth Third Securities, Inc. since 2014. He has been affiliated with Fifth Third Bank since 2013. Fifth Third Securities, Inc. provides brokerage and investment advisory services through its Passageway Managed Account Program to a range of clients including individuals, charitable organizations, and institutional investors. The firm offers multiple discretionary managed-account programs and features such as direct indexing and tax-overlay services, operating as a broker-dealer, SEC-registered investment adviser, and municipal advisor within the structure of a large banking institution.

Jason Phipps is a financial advisor with Guardian Life and holds Series 63 and Series 66 licenses. He has 25 years of industry experience, including prior work with People's Bank, N.A. and Raymond James Financial Services. He serves as treasurer and board member for local nonprofit organizations in Ohio. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, serves individual and institutional clients with brokerage services, financial planning, retirement consulting, and investment advisory programs. The firm offers discretionary and non-discretionary advisory solutions, including model portfolios and a hybrid digital platform.