Nathan Cruz is a financial advisor at Creative Financial Designs, Inc. with 12 years of industry experience. He holds a Series 66 designation and has worked at Creative Financial Designs since 2015, following a one-year tenure at Next Financial Group, Inc. Outside of advising, he owns and manages short-term rental properties through several LLCs. Creative Financial Designs serves individual, corporate, and institutional clients with investment management and financial planning services. The firm employs asset-class model allocations guided by third-party research and an Executive Investment Committee, offering both discretionary and non-discretionary management along with Biblically Responsible Investing strategies.

Richard Dambola is a financial advisor with Creative Financial Designs, Inc., holding Series 63 and Series 65 credentials and possessing 22 years of industry experience. He has been affiliated with Creative Financial Designs and CFD Investments since 2014 and has managed his own firm, Richard D'Ambola & Associates, LLC, since 1999. In addition to his advisory roles, he is an insurance agent offering fixed annuities, disability, health, life, and long-term care insurance. Creative Financial Designs serves individual, corporate, and institutional clients, offering discretionary and non-discretionary investment management alongside financial planning and consulting services. The firm uses asset-class model portfolios with various risk objectives and provides features such as Biblically Responsible Investing strategies and multiple billing options.

Justin Keeling is a CFP® professional with 27 years of industry experience, currently affiliated with Creative Financial Designs, Inc. in Kokomo, IN. He has been involved with Creative Financial Designs since 1997 and also operates Community Tax and Financial, providing bookkeeping, tax preparation, payroll, investments, financial planning, and insurance services. Keeling is the owner of Community Insurance Group LLC, a property and casualty insurance agency. Creative Financial Designs serves individual, charitable, corporate, and retirement plan clients through discretionary and non-discretionary investment management and financial planning. The firm employs a research-driven, asset-class allocation approach with a range of strategies including Biblical Responsible Investing and offers flexible billing arrangements alongside integrated services in insurance, tax, and real estate.

Benjamin Franklin is a CFP® with 42 years of industry experience, currently serving at Creative Financial Designs, Inc. since 2018. He previously worked at Franklin Wealth Advisors, Inc. and First Allied Advisory Services, Inc. among other firms. Franklin is also a treasurer and board member of a nonprofit organization focused on speaking, teaching, and bookkeeping, and he owns a tax preparation and accounting business where he is a Certified Public Accountant. Creative Financial Designs serves individual, charitable, corporate, and retirement plan clients with discretionary and non-discretionary investment management and financial planning. The firm’s investment process utilizes asset-class model allocations informed by third-party research and offers a range of strategies from passive ETFs to tactically managed portfolios, including Biblical Responsible Investing options.

Jamie Smith Barber is a financial advisor with Creative Financial Designs, Inc. in Kokomo, IN, holding a Series 66 designation and 14 years of industry experience. Prior to joining Creative Financial Designs in 2019, Barber worked at Wells Fargo Clearing from 2012 to 2015. Outside of advisory work, Barber is involved in independent insurance sales. Creative Financial Designs serves individual clients, corporate and institutional clients, and employer retirement plans, providing discretionary and non-discretionary investment management alongside financial planning and consulting. The firm employs asset-class model allocations and multiple risk objectives, supported by third-party research and an Executive Investment Committee.

Timothy Franklin is a CFP® with 20 years of industry experience, currently serving at Creative Financial Designs, Inc. since 2018. His prior experience includes roles at First Allied Advisory Services, Inc. and Franklin Wealth Advisors, Inc., where he continues as a Senior Wealth Advisor. He is also licensed to sell life and term insurance. Creative Financial Designs serves individual, charitable, corporate, and retirement plan clients through discretionary and non-discretionary investment management and comprehensive financial planning. The firm employs asset-class model allocations supported by third-party research and offers a range of strategies from passive ETFs to tactically managed portfolios, including Biblical Responsible Investing options.

Terry May is a financial advisor with Creative Financial Designs, Inc. in Greenville, Ohio, holding the ChFC® designation and Series 63 license, with 39 years of industry experience. He has been with Creative Financial Designs since 2003 and also serves as president of May Financial Group Inc., an independent insurance sales business. Creative Financial Designs serves individual, charitable, corporate, and retirement plan clients through discretionary and non-discretionary investment management, financial planning, and consulting. The firm employs asset-class model allocations informed by third-party research and offers a range of strategies from passive to tactically managed portfolios, including Biblical Responsible Investing options.

Mac Carpenter is a financial advisor with Creative Financial Designs, Inc. in Okemos, MI, holding Series 63 and Series 66 designations and bringing 31 years of industry experience. He has been with Creative Financial Designs and related entities since 2016. Outside of his advisory role, he owns Carp Ventures, Inc., a software development and sales business. Creative Financial Designs serves individual, corporate, and institutional clients with discretionary and non-discretionary investment management and financial planning. The firm uses asset-class model allocations guided by an Executive Investment Committee and offers specialized strategies including Biblically Responsible Investing.

D Mark Smith is a financial advisor with Creative Financial Designs, Inc. in Kokomo, IN, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Smith is president and CEO of Five Talents Wealth Management LLC and serves as a director on the board of South Central Indiana REMC Co-Op, a nonprofit electric and fiber services cooperative. Creative Financial Designs serves individual, corporate, and institutional clients with discretionary and non-discretionary investment management, financial planning, and consulting. The firm uses asset-class model allocations with risk objectives and offers Biblically Responsible Investing strategies alongside multiple billing options and operational features for financial professionals.

Gary Cloyd is a financial advisor at Creative Financial Designs, Inc. with 32 years of industry experience. He holds the Series 63 designation and has worked in various capacities at Creative Financial Designs, May Financial Group, and other affiliated firms since 1992. Outside of advisory services, he is involved in independent insurance sales, including Medicare Supplement products. Creative Financial Designs serves individual, charitable, corporate, and retirement plan clients through discretionary and non-discretionary investment management, financial planning, and consulting. The firm employs asset-class model allocations supported by third-party research and offers a range of strategies from passive ETFs to tactically managed portfolios, including Biblical Responsible Investing options.

Israel Elliott is a financial advisor with Creative Financial Designs, Inc., holding a Series 66 designation and one year of industry experience. He has worked at Ray Wealth Management since 2023 and operates a financial coaching business focused on client spending and budgeting. Creative Financial Designs serves individual, charitable, corporate, and retirement plan clients with a range of investment management and financial planning services. The firm employs asset-class model allocations informed by third-party research and offers various strategies including Biblical Responsible Investing, with flexible fee arrangements and specialized advisory programs.

Benjamin Glenn is a Series 66 licensed financial advisor with 17 years of industry experience. He has been with Creative Financial Designs, Inc. since 2014. Outside of his advisory work, Glenn serves as president of the Anabaptist Scholarship Foundation of Virginia, provides eldercare services through his own company, and is treasurer and board member for New Song Sanctuary, an organization supporting women affected by domestic violence. Creative Financial Designs serves individual and institutional clients with investment management and financial planning services, using a range of strategies from passive models to tactically managed portfolios. The firm emphasizes asset-class allocations informed by third-party research and offers Biblical Responsible Investing options alongside traditional approaches.

Larry Weichel is a financial advisor at Creative Financial Designs, Inc. with 18 years of industry experience. He holds the ChFC® designation and several securities licenses (Series 63, 65, 66). His prior roles include positions at Gleaner Life, Gleaner Financial, Regulus Advisors, LLC, and Lutheran Financial Services. Outside of his advisory work, he is a partner in LW River Partners, LLC, a woodworking business. Creative Financial Designs serves individual, corporate, and institutional clients with discretionary and non-discretionary investment management and financial planning. The firm uses asset-class model allocations and a range of risk objectives, supported by third-party research and an Executive Investment Committee, offering a variety of implementation features and unique operational programs.

Paul Betenbaugh is a financial advisor at Creative Financial Designs, Inc. with 18 years of industry experience. He holds a Series 66 designation and has worked at Creative Financial Designs and CFD Investments since 2018, following prior roles at Securities America Advisors and Securities America Inc. Betenbaugh is also licensed as an insurance agent. Creative Financial Designs serves individual, charitable, corporate, and employer retirement plan clients with a range of investment management and financial planning services. The firm employs asset-class model allocations informed by third-party research and offers strategies from passive to tactical management, including Biblical Responsible Investing options.

Stephen Werner is a financial advisor with Creative Financial Designs, Inc., holding Series 63, 65, and 66 licenses and bringing 37 years of industry experience. He has been with Creative Financial Designs since 2019 and also leads Covenant Financial Planning, LLC as president and owner. Additionally, he serves as CEO and 50% owner of Covenant Financial Group LLC. Creative Financial Designs serves individual clients, charitable organizations, corporate and business clients, and employer retirement plans with a range of investment management and financial planning services. The firm’s investment approach focuses on asset-class model allocations supported by third-party research and offers diverse strategies including passive, tactical, and Biblical Responsible Investing options.

Matthew Powlen is a Series 66-licensed advisor with 17 years of industry experience. He has been with Creative Financial Designs, Inc. and its affiliate CFD Investments since 2017. Prior to that, he worked at Carroll Consolidated and was involved with Christians Concern for the Community. Creative Financial Designs serves individual, charitable, corporate, and retirement plan clients through both discretionary and non-discretionary investment management and comprehensive planning. The firm employs asset-class model allocations informed by third-party research and offers a range of strategies including Biblical Responsible Investing and customizable portfolio options.

Mark Schick is a Series 65-credentialed advisor at Creative Financial Designs, Inc. with one year of industry experience. He is also involved as an operating manager and financial coach at Christian Wealth Management. Creative Financial Designs serves individual, charitable, corporate, and retirement plan clients with investment management and financial planning services. The firm employs asset-class model allocations informed by third-party research and offers a range of strategies including Biblical Responsible Investing, with both discretionary and non-discretionary execution options.

Michael Dusold is a financial advisor at Creative Financial Designs, Inc. in Cincinnati, OH, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 32 years of industry experience and has been with Creative Financial Designs since 2010. Creative Financial Designs serves a diverse client base including individuals, charitable organizations, businesses, and retirement plans, offering investment management and financial planning through a network of advisers. The firm employs asset-class model allocations informed by third-party research and provides a range of strategies from passive to tactically managed portfolios, including a suite of Biblical Responsible Investing options.

Wayne Fourman is a financial advisor with Creative Financial Designs, Inc. in Greenville, Ohio, holding Series 63 and Series 65 licenses and possessing 42 years of industry experience. He has been with Creative Financial Designs since 2006 and is also involved with CFD Investments, Inc. Additionally, he serves as an officer and deacon at Faith Baptist Church. Creative Financial Designs serves individual, charitable, corporate, and retirement plan clients with a range of investment management and financial planning services. The firm employs asset-class model allocations informed by third-party research and offers a variety of strategies, including Biblical Responsible Investing, with both discretionary and non-discretionary options.

William Quick is a financial advisor at Creative Financial Designs, Inc. in Kokomo, Indiana, holding ChFC® and Series 63 designations with 31 years of industry experience. He has worked with Northwestern Mutual and its affiliates for over two decades before joining Creative Financial Designs in 2018. Creative Financial Designs serves individual, corporate, and institutional clients by offering investment management and financial planning services across multiple platforms. The firm uses asset-class model allocations guided by an Executive Investment Committee and provides specialized strategies such as Biblically Responsible Investing.