Creative Financial Designs

What Creative Financial Designs does

Creative Financial Designs, Inc. is a privately held Registered Investment Adviser (RIA) founded in 1982 in Kokomo, Indiana, operating from a 44,000 square-foot home office building opened in 2007. The firm is SEC-registered and family-controlled, with Brent Owens serving as President since 1998 (succeeding founder Mick Owens) and Kregg Rooze as Vice President and Managed Accounts Director. Creative operates within the CFD Companies umbrella alongside affiliated cfd Investments, Inc. (a broker/dealer).

The firm serves two primary customer sets: independent financial advisers across all 50 U.S. states (B2B), and end-investors reached through those advisers (B2B2C). Its core offering is in-house professional investment management built around 22 unique investment strategies — 8 Biblical Faith Values (BFV) strategies and 14 Traditional strategies — across three platforms: Brokerage Management, Variable Annuity Management, and Self-Directed Management. Supporting services include financial planning using eMoney and RightCapital, portfolio management on Black Diamond PMS, and custody via Charles Schwab, TD Ameritrade, and NFS. The firm differentiates through Biblically Responsible Investing (BRI) and a faith-aligned community identity anchored in the principle of Matthew 6:21, supported by NACFC sponsorship (since 2001) and Kingdom Advisors sponsorship (since 2013).

Creative's revenue model is fee-based and recurring, charging advisory fees as a percentage of assets under management, supplemented by financial planning fees. As of May 2025, the firm manages $2.5 billion+ in discretionary AUM and oversees approximately $7 billion in total client assets across the CFD Companies, across roughly 14,000 managed accounts. AUM has grown from $1.5B (2021) to $2.5B+ (May 2025), and managed accounts from 10,000 (2022) to 14,000 (May 2025), reflecting steady, organic, internally funded growth. The firm employs 11–50 staff supporting a 3:1 adviser-to-staff ratio.

Name

Creative Financial Designs

Legal name

Creative Financial Designs, Inc.

Website

https://creativefinancialdesigns.com

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

11–50 employees

Short description

Creative Financial Designs is a privately held, SEC-registered RIA founded in 1982 and headquartered in Kokomo, Indiana, that provides in-house investment management (22 strategies), financial planning, and Biblically Responsible Investing to independent financial advisers across all 50 U.S. states, managing $2.5B+ in discretionary AUM across 14,000 accounts.

Ownership category

akta.pro rank

Product category

Investment Management & Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

akta.pro secondary industries

Comprehensive Financial Planning (FSAEAAAA), Specialized/Niche-Vertical RIAs (e.g., Medical, Tech, Executives, Athletes) (FSAAACAL), Business Owner & Executive Financial Planning (FSAEAAAO)

Keywords

• Investment management services
• Financial planning services
• Biblically responsible investing
• Registered investment adviser
• Adviser partner platform

Headquarters

HQ city

Kokomo

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. Assets Under Management (AUM) Fees: The firm charges advisory fees based on assets under management. With $2.5+ billion in AUM as of May 2025, the firm earns ongoing management fees from client portfolios managed across its Brokerage, Variable Annuity, and Self-Directed platforms.
2. Financial Planning Services: The firm offers comprehensive financial planning services for a fee, including cash flow management, tax planning, investments, education funding, retirement, and estate planning. Plans are created by the in-house planning team using eMoney and RightCapital tools.
3. Brokerage Management Platform: Professional investment management for personalized, traditional and faith-based investment strategies through the Brokerage Management Platform with daily portfolio monitoring.
4. Variable Annuity Management: Professional investment management for existing variable annuities, tailoring portfolios to selected objectives using approved annuity products with daily monitoring and adjustments.
5. Self-Directed Management: Investment management for company retirement accounts, tailoring portfolios to goals, risk level and available plan options with daily monitoring.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Creative Financial Designs is a Registered Investment Adviser that delivers professional investment management and financial planning services through three platforms (Brokerage Management, Variable Annuity Management, and Self-Directed Management) offering 22 unique investment strategies split into 8 Biblical Faith Values (BFV) and 14 Traditional strategies. The firm serves as an RIA business partner to independent financial advisers across all 50 U.S. states, providing in-house CFA-led money management, financial planning using eMoney and RightCapital tools, and concierge-level practice support with a 3:1 adviser-to-staff ratio.

Product overview

Creative Financial Designs is a Registered Investment Adviser offering a comprehensive suite of financial services through three main platforms: Brokerage Management Platform, Variable Annuity Management Platform, and Self-Directed Management Platform. The firm provides 22 unique investment strategies divided into two product lines: eight Biblical Faith Values (BFV) strategies for values-based investing and fourteen Traditional strategies for broad diversification. Core offerings include Professional Investment Management (managed by in-house CFAs and portfolio managers) and Financial Planning Services (using eMoney and RightCapital tools). The firm also offers Biblically Responsible Investing as a distinct investment approach. Services support both individual investors and adviser-partners across multiple custodian platforms (NFS, TD Ameritrade, Charles Schwab) with approximately $2.5 billion AUM as of May 2025.

Differentiator

Problem solved

Functional benefit

Products and services

• Professional Investment Management In-house investment management offering 22 unique investment strategies managed by a team including CFAs, portfolio managers, research analysts, and traders. Designed to meet a wide range of client goals and investment advisory needs.
• Financial Planning Services

Quantifiable outcome

• AUM growth from $1.5B (2021) to $2.5B+ (May 2025)
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and flagship.

• Charles SchwabcoreTechnology or Integration · 1 January 2022Charles Schwab Custody Platform was added in 2022, allowing advisers to custody client assets with Charles Schwab. This partnership provides advisers with institutional-grade custody services and platform access for managed accounts.
• Kingdom AdvisorscoreStrategic or Co-development Partner · 1 January 2013Creative sponsors Kingdom Advisors annually since 2013. Kingdom Advisors is a faith-based financial advisory network. Kregg Rooze is a member of Kingdom Advisors, connecting the firm to a broader community of Christian financial advisers.
• TD AmeritradecoreTechnology or Integration · 1 January 2012TD Ameritrade Custody Platform started in 2012, providing another custodian option for advisers using Creative's investment management platforms. TD Ameritrade offers institutional trading and custody capabilities.
• NFS (National Financial Services)coreTechnology or Integration · 1 January 2007NFS Custodian Platform started in 2007, enabling advisers to custody client assets through NFS. This provides additional platform choice for the adviser network.
• NACFC (National Association of Christian Financial Consultants)flagshipStrategic or Co-development Partner · 1 January 2001Annual sponsorship of NACFC began in 2001. The firm sponsors the national conference annually and serves on the NACFC board at various intervals. Brent Owens has served on the NACFC board since 2019 and serves as acting Vice President. NACFC provides faith-based financial professional community and education.
• eMoneycoreTechnology or IntegrationThe firm utilizes eMoney for in-house financial planning services. eMoney is a leading financial planning software platform used to create comprehensive financial plans for clients.
• RightCapitalcoreTechnology or IntegrationRightCapital financial planning software is used by the firm's planning team to deliver comprehensive and modular financial plans. The platform supports retirement planning, tax planning, and estate planning capabilities.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• AssetMark: Turnkey asset management platform (TAMP) providing investment strategies, technology, and practice resources to RIAs. Comparable as an investment-management platform serving independent advisers through multiple custodians.
• Cambridge Investment Research: Major independent broker-dealer and RIA support platform providing advisers with custody, technology, and practice management. Overlaps with CFD's distribution approach of serving independent adviser practices across the US.
• LPL Financial: Largest independent broker-dealer in the US, supporting RIAs and advisers with custody, technology, and investment platforms. Comparable independent-adviser partnership model at much greater scale.
• Schwab Advisor Services: Custody and platform services for RIAs offered by Charles Schwab; one of CFD's three custodian relationships. Comparable as a backbone infrastructure provider to independent adviser practices across the US.
• Cetera Financial Group: Large IBD supporting thousands of independent financial advisers with technology, compliance, and investment management resources. Comparable B2B support model targeting independent adviser practices, though without CFD's faith-based specialization.
• Orion Advisor Solutions: Provider of portfolio management, CRM, and advisor technology to RIAs and broker-dealers. Comparable B2B technology-and-platform enablement for independent advisers, though more tech-stack focused than CFD's investment-led model.
• Fidelity Institutional Wealth Advisory: Fidelity's RIA support arm providing custody, clearing, technology, and investment products to independent advisory firms. Comparable custodian-and-platform backbone used by advisers, though at vastly larger scale.

Direct peers

• PAX Financial Group: Faith-driven financial planning and investment management firm serving individuals and families with biblically responsible investing. Similar niche positioning, offering values-aligned portfolios and Christian stewardship-based planning.
• Ronald Blue Trust: Faith-based RIA providing investment management and financial planning to individuals, families, and foundations with a Christian values orientation. Directly comparable to CFD's Biblical Faith Values strategy line and faith-aligned advisory model.

Others

• Kingdom Advisors: Faith-based membership network for Christian financial advisers and planners. Adjacent rather than directly competitive — CFD is a sponsor and member — but it represents the ecosystem CFD serves and from which it sources adviser-partners.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Cfd_Designs
• Facebookfacebook.com/CreativeFinancialDesigns
• LinkedInlinkedin.com/company/creative-financial-designs-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Creative Financial Designs