Creative Financial Solutions, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
Fee options
Fixed fees for financial planning engagements based on complexity and time required
Commissions earned from investment and insurance products sold by advisors
Fees based on hourly charges as needed for limited scope services
Annual retainer fee for ongoing financial planning services (not deducted from accounts)
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
See office310 E. Court St.
Washington Court House OH 43160
Advisors at this office
2
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
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
William H
CFP®, Series 63
Ironton, OH
Creative Financial Solutions, LLC
William Hensley is a CFP® with 30 years of industry experience and is a financial advisor at Creative Financial Solutions, LLC. He has worked with Cambridge Investment Research Advisors Inc. and Cambridge Investment Research Inc. since 2014. Hensley serves as a board member of Young Life Huntington and is involved with the Rotary Club of Barboursville, WV, where he has held the position of past president. Creative Financial Solutions primarily provides comprehensive financial planning and advisory services to individuals, families, small businesses, and trusts. The firm focuses on planning and fee-for-service models and utilizes third-party custodians and research to support investment recommendations.
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.
Jeremy K
CFP®, Series 66
Washington Court House, OH
Creative Financial Solutions, LLC
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 C
CFP®, Series 63
Washington Court House, OH
Creative Financial Solutions, LLC
Mark Casto is a financial advisor with Creative Financial Solutions, LLC, holding the CFP® designation and Series 63 license, and has 26 years of industry experience. He has been with Creative Financial Solutions since 2000 and also has a 12-year history with Cambridge Investment Research. Outside of advisory services, he is an independent insurance agent through his own firm, MARK CASTO, LLC. Creative Financial Solutions primarily serves individuals, families, small businesses, and trusts by providing comprehensive financial planning and related advisory services. The firm employs a planning and fee-for-service model rather than asset-based fees, focusing on mutual funds, ETFs, annuities, and similar vehicles, while advisors operate with dual registrations and utilize third-party custodians for investment execution.
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