# Fee-only financial advisors in Kentucky

> AdvisorCensus lists 61 investment advisory firms with a principal office in Kentucky that meet AdvisorCensus's fee-only test: paid only by client fees on Form ADV Item 5.E, with no employee registered with a broker-dealer or licensed as an insurance agent, no brokerage, insurance, or real estate sales business or related company, and no referral fees from others, drawn from Form ADV filings as of October 2026. Firms are listed alphabetically; sort by years registered or assets band using the controls below, and read the methodology block for how this page is derived.

Source: Form ADV filings as of October 2026. Rebuilt monthly. HTML page: https://advisorcensus.com/advisors/ky/fee-only

## At a glance

- Investment advisory firms: 61
- Registration: SEC-registered investment adviser: 20, State-registered investment adviser: 41
- How firms are compensated (Form ADV Item 5.E; shares of the firms that file it): Fee-only (AdvisorCensus test) 61 (100%); Percentage of assets 56 (92%); Hourly charges 24 (39%); Fixed fees 40 (66%)
- Regulatory assets under management (Item 5.F): Under $25 million 22 (36%); $25 million to $100 million 15 (25%); $100 million to $500 million 13 (21%); $500 million to $1 billion 2 (3%); $1 billion to $5 billion 2 (3%); Over $5 billion 1 (2%); Not reported 6 (10%)
- Years registered: Under 5 years 25 (41%); 5 to 9 years 11 (18%); 10 to 19 years 17 (28%); 20 years or more 8 (13%)

## Firms (page 1 of 2, 1 to 50 of 61, sorted by name)

| Firm | CRD | City | Registration | Assets band | Years registered | Compensation |
| --- | --- | --- | --- | --- | --- | --- |
| [Altus Wealth Management, LLC](https://advisorcensus.com/firm/altus-wealth-management-llc-ft-mitchell-ky-153650) ([md](https://advisorcensus.com/firm/altus-wealth-management-llc-ft-mitchell-ky-153650.md)) | 153650 | Ft. Mitchell, KY | SEC-registered investment adviser | $100 million to $500 million | 12 | % of assets, Hourly |
| [Avant-Garde Wealth](https://advisorcensus.com/firm/avant-garde-wealth-smiths-grove-ky-308170) ([md](https://advisorcensus.com/firm/avant-garde-wealth-smiths-grove-ky-308170.md)) | 308170 | Smiths Grove, KY | State-registered investment adviser | Under $25 million | 6 | % of assets, Hourly, Fixed fee |
| [Balanced Life Planning](https://advisorcensus.com/firm/balanced-life-planning-331877) ([md](https://advisorcensus.com/firm/balanced-life-planning-331877.md)) | 331877 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 1 | % of assets, Hourly, Fixed fee |
| [Barlow Wealth Partners, LLC](https://advisorcensus.com/firm/barlow-wealth-partners-llc-louisville-ky-325308) ([md](https://advisorcensus.com/firm/barlow-wealth-partners-llc-louisville-ky-325308.md)) | 325308 | Louisville, KY | SEC-registered investment adviser | $1 billion to $5 billion | 3 | % of assets, Hourly, Fixed fee |
| [BBFN Wealth Management LLC](https://advisorcensus.com/firm/bbfn-wealth-management-llc-333474) ([md](https://advisorcensus.com/firm/bbfn-wealth-management-llc-333474.md)) | 333474 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 1 | % of assets, Fixed fee |
| [Beacon Asset Management](https://advisorcensus.com/firm/beacon-asset-management-owensboro-ky-146410) ([md](https://advisorcensus.com/firm/beacon-asset-management-owensboro-ky-146410.md)) | 146410 | Owensboro, KY | State-registered investment adviser | $25 million to $100 million | 26 | % of assets, Hourly, Fixed fee |
| [Belle Trace Financial Planning](https://advisorcensus.com/firm/belle-trace-financial-planning-louisville-ky-342302) ([md](https://advisorcensus.com/firm/belle-trace-financial-planning-louisville-ky-342302.md)) | 342302 | Louisville, KY | State-registered investment adviser | Not reported | 0 | Fixed fee |
| [Best Investment Options, LLC](https://advisorcensus.com/firm/best-investment-options-llc-louisville-ky-307743) ([md](https://advisorcensus.com/firm/best-investment-options-llc-louisville-ky-307743.md)) | 307743 | Louisville, KY | State-registered investment adviser | Under $25 million | 5 | % of assets |
| [Blue Castle Wealth](https://advisorcensus.com/firm/blue-castle-wealth-lexington-ky-320724) ([md](https://advisorcensus.com/firm/blue-castle-wealth-lexington-ky-320724.md)) | 320724 | Lexington, KY | State-registered investment adviser | Under $25 million | 3 | % of assets, Hourly, Fixed fee |
| [Bluegrass Financial Planning, LLC](https://advisorcensus.com/firm/bluegrass-financial-planning-llc-louisville-ky-169515) ([md](https://advisorcensus.com/firm/bluegrass-financial-planning-llc-louisville-ky-169515.md)) | 169515 | Louisville, KY | State-registered investment adviser | $25 million to $100 million | 12 | % of assets, Hourly, Fixed fee |
| [Breidenbach Capital Consulting, LLC](https://advisorcensus.com/firm/breidenbach-capital-consulting-llc-louisville-ky-125405) ([md](https://advisorcensus.com/firm/breidenbach-capital-consulting-llc-louisville-ky-125405.md)) | 125405 | Louisville, KY | State-registered investment adviser | $25 million to $100 million | 3 | % of assets, Hourly, Fixed fee |
| [BRK Wealth Management LLC](https://advisorcensus.com/firm/brk-wealth-management-llc-325094) ([md](https://advisorcensus.com/firm/brk-wealth-management-llc-325094.md)) | 325094 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 3 | % of assets, Hourly, Fixed fee |
| [Burl Investment Management, LLC](https://advisorcensus.com/firm/burl-investment-management-llc-lexington-ky-319525) ([md](https://advisorcensus.com/firm/burl-investment-management-llc-lexington-ky-319525.md)) | 319525 | Lexington, KY | State-registered investment adviser | $25 million to $100 million | 4 | % of assets |
| [Canopus Wealth Management](https://advisorcensus.com/firm/canopus-wealth-management-louisville-ky-287946) ([md](https://advisorcensus.com/firm/canopus-wealth-management-louisville-ky-287946.md)) | 287946 | Louisville, KY | State-registered investment adviser | $25 million to $100 million | 9 | % of assets |
| [Clark Financial Planning](https://advisorcensus.com/firm/clark-financial-planning-louisville-ky-293283) ([md](https://advisorcensus.com/firm/clark-financial-planning-louisville-ky-293283.md)) | 293283 | Louisville, KY | State-registered investment adviser | Not reported | 8 | Fixed fee |
| [Cloyd Capital](https://advisorcensus.com/firm/cloyd-capital-337743) ([md](https://advisorcensus.com/firm/cloyd-capital-337743.md)) | 337743 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 1 | % of assets |
| [Coats Financial Planning](https://advisorcensus.com/firm/coats-financial-planning-louisville-ky-122135) ([md](https://advisorcensus.com/firm/coats-financial-planning-louisville-ky-122135.md)) | 122135 | Louisville, KY | State-registered investment adviser | Not reported | 26 | Fixed fee |
| [Connetic Ventures](https://advisorcensus.com/firm/connetic-ventures-covington-ky-329078) ([md](https://advisorcensus.com/firm/connetic-ventures-covington-ky-329078.md)) | 329078 | Covington, KY | SEC-registered investment adviser | $25 million to $100 million | 2 | % of assets |
| [Crimson Oak Wealth Management, LLC](https://advisorcensus.com/firm/crimson-oak-wealth-management-llc-lexington-ky-171360) ([md](https://advisorcensus.com/firm/crimson-oak-wealth-management-llc-lexington-ky-171360.md)) | 171360 | Lexington, KY | State-registered investment adviser | $25 million to $100 million | 12 | % of assets, Hourly, Fixed fee |
| [Dollars & Sense Financial Fitness](https://advisorcensus.com/firm/dollars-and-sense-financial-fitness-329901) ([md](https://advisorcensus.com/firm/dollars-and-sense-financial-fitness-329901.md)) | 329901 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 2 | % of assets, Hourly |
| [Dupree Financial Group, LLC](https://advisorcensus.com/firm/dupree-financial-group-llc-lexington-ky-131091) ([md](https://advisorcensus.com/firm/dupree-financial-group-llc-lexington-ky-131091.md)) | 131091 | Lexington, KY | SEC-registered investment adviser | $100 million to $500 million | 16 | % of assets |
| [Essa Financial LLC](https://advisorcensus.com/firm/essa-financial-llc-louisville-ky-333509) ([md](https://advisorcensus.com/firm/essa-financial-llc-louisville-ky-333509.md)) | 333509 | Louisville, KY | State-registered investment adviser | Not reported | 1 | Fixed fee |
| [Fortress Financial Partners](https://advisorcensus.com/firm/fortress-financial-partners-florence-ky-328804) ([md](https://advisorcensus.com/firm/fortress-financial-partners-florence-ky-328804.md)) | 328804 | Florence, KY | State-registered investment adviser | Under $25 million | 2 | % of assets, Fixed fee |
| [Foster Investment Services](https://advisorcensus.com/firm/foster-investment-services-lexington-ky-286471) ([md](https://advisorcensus.com/firm/foster-investment-services-lexington-ky-286471.md)) | 286471 | Lexington, KY | State-registered investment adviser | $25 million to $100 million | 9 | % of assets |
| [Graeter Wealth Advisors, LLC](https://advisorcensus.com/firm/graeter-wealth-advisors-llc-louisville-ky-170046) ([md](https://advisorcensus.com/firm/graeter-wealth-advisors-llc-louisville-ky-170046.md)) | 170046 | Louisville, KY | SEC-registered investment adviser | $100 million to $500 million | 0 | % of assets |
| [Hafele Investments](https://advisorcensus.com/firm/hafele-investments-louisville-ky-341803) ([md](https://advisorcensus.com/firm/hafele-investments-louisville-ky-341803.md)) | 341803 | Louisville, KY | SEC-registered investment adviser | $25 million to $100 million | 0 | % of assets, Fixed fee |
| [Hannegan Wealth Management, LLC](https://advisorcensus.com/firm/hannegan-wealth-management-llc-edgewood-ky-312062) ([md](https://advisorcensus.com/firm/hannegan-wealth-management-llc-edgewood-ky-312062.md)) | 312062 | Edgewood, KY | State-registered investment adviser | Under $25 million | 5 | % of assets, Hourly, Fixed fee |
| [High Knoll Wealth Advisors, LLC](https://advisorcensus.com/firm/high-knoll-wealth-advisors-llc-lexington-ky-300412) ([md](https://advisorcensus.com/firm/high-knoll-wealth-advisors-llc-lexington-ky-300412.md)) | 300412 | Lexington, KY | State-registered investment adviser | Under $25 million | 7 | % of assets, Hourly, Fixed fee |
| [Invest Inc.](https://advisorcensus.com/firm/invest-inc-lexington-ky-146357) ([md](https://advisorcensus.com/firm/invest-inc-lexington-ky-146357.md)) | 146357 | Lexington, KY | SEC-registered investment adviser | $100 million to $500 million | 4 | % of assets, Hourly, Fixed fee |
| [Keepsake Management Inc.](https://advisorcensus.com/firm/keepsake-management-inc-lexington-ky-129359) ([md](https://advisorcensus.com/firm/keepsake-management-inc-lexington-ky-129359.md)) | 129359 | Lexington, KY | State-registered investment adviser | Under $25 million | 26 | % of assets |
| [Kinson Wealth Group LLC](https://advisorcensus.com/firm/kinson-wealth-group-llc-330141) ([md](https://advisorcensus.com/firm/kinson-wealth-group-llc-330141.md)) | 330141 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 2 | % of assets, Hourly, Fixed fee |
| [Lach Financial](https://advisorcensus.com/firm/lach-financial-louisville-ky-157065) ([md](https://advisorcensus.com/firm/lach-financial-louisville-ky-157065.md)) | 157065 | Louisville, KY | State-registered investment adviser | $25 million to $100 million | 15 | % of assets, Hourly, Fixed fee |
| [Lanier Asset Management, LLC](https://advisorcensus.com/firm/lanier-asset-management-llc-louisville-ky-150888) ([md](https://advisorcensus.com/firm/lanier-asset-management-llc-louisville-ky-150888.md)) | 150888 | Louisville, KY | SEC-registered investment adviser | $100 million to $500 million | 10 | % of assets, Fixed fee |
| [Life Advisors Financial Planning and Wealth Management, LLC](https://advisorcensus.com/firm/life-advisors-financial-planning-and-wealth-management-llc-munfordville-ky-148573) ([md](https://advisorcensus.com/firm/life-advisors-financial-planning-and-wealth-management-llc-munfordville-ky-148573.md)) | 148573 | Munfordville, KY | State-registered investment adviser | Under $25 million | 17 | % of assets, Hourly, Fixed fee |
| [Lockshield Partners, Inc.](https://advisorcensus.com/firm/lockshield-partners-inc-glasgow-ky-175433) ([md](https://advisorcensus.com/firm/lockshield-partners-inc-glasgow-ky-175433.md)) | 175433 | Glasgow, KY | SEC-registered investment adviser | $100 million to $500 million | 7 | % of assets, Hourly, Fixed fee |
| [Mark Investment Advisors](https://advisorcensus.com/firm/mark-investment-advisors-340413) ([md](https://advisorcensus.com/firm/mark-investment-advisors-340413.md)) | 340413 | Not reported, Not reported | State-registered investment adviser | Not reported | 0 | % of assets |
| [Moneywatch Advisors, Inc.](https://advisorcensus.com/firm/moneywatch-advisors-inc-lexington-ky-107337) ([md](https://advisorcensus.com/firm/moneywatch-advisors-inc-lexington-ky-107337.md)) | 107337 | Lexington, KY | SEC-registered investment adviser | $100 million to $500 million | 40 | % of assets, Hourly, Fixed fee |
| [Moneywise, Inc.](https://advisorcensus.com/firm/moneywise-inc-lexington-ky-145043) ([md](https://advisorcensus.com/firm/moneywise-inc-lexington-ky-145043.md)) | 145043 | Lexington, KY | State-registered investment adviser | $25 million to $100 million | 15 | % of assets, Hourly, Fixed fee |
| [Page Financial Services, LLC](https://advisorcensus.com/firm/page-financial-services-llc-louisville-ky-159957) ([md](https://advisorcensus.com/firm/page-financial-services-llc-louisville-ky-159957.md)) | 159957 | Louisville, KY | State-registered investment adviser | Under $25 million | 14 | % of assets, Fixed fee |
| [Pillar Financial Advisors, LLC](https://advisorcensus.com/firm/pillar-financial-advisors-llc-louisville-ky-121880) ([md](https://advisorcensus.com/firm/pillar-financial-advisors-llc-louisville-ky-121880.md)) | 121880 | Louisville, KY | SEC-registered investment adviser | $100 million to $500 million | 11 | % of assets, Fixed fee |
| [Pivot Point Wealth Planning](https://advisorcensus.com/firm/pivot-point-wealth-planning-brandenburg-ky-287623) ([md](https://advisorcensus.com/firm/pivot-point-wealth-planning-brandenburg-ky-287623.md)) | 287623 | Brandenburg, KY | State-registered investment adviser | $25 million to $100 million | 9 | % of assets, Fixed fee |
| [Plentiful Wealth, LLC](https://advisorcensus.com/firm/plentiful-wealth-llc-louisville-ky-312250) ([md](https://advisorcensus.com/firm/plentiful-wealth-llc-louisville-ky-312250.md)) | 312250 | Louisville, KY | State-registered investment adviser | $25 million to $100 million | 5 | % of assets, Hourly, Fixed fee |
| [Reliable Municipal Advisors, LLC](https://advisorcensus.com/firm/reliable-municipal-advisors-llc-betsy-layne-ky-281860) ([md](https://advisorcensus.com/firm/reliable-municipal-advisors-llc-betsy-layne-ky-281860.md)) | 281860 | Betsy Layne, KY | State-registered investment adviser | Not reported | 10 | % of assets, Hourly |
| [Remington Wealth Management LLC](https://advisorcensus.com/firm/remington-wealth-management-llc-154598) ([md](https://advisorcensus.com/firm/remington-wealth-management-llc-154598.md)) | 154598 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 16 | % of assets |
| [Rivercities Asset Management, LLC](https://advisorcensus.com/firm/rivercities-asset-management-llc-owensboro-ky-122576) ([md](https://advisorcensus.com/firm/rivercities-asset-management-llc-owensboro-ky-122576.md)) | 122576 | Owensboro, KY | State-registered investment adviser | $25 million to $100 million | 17 | % of assets |
| [Riverstone Asset Management, LLC](https://advisorcensus.com/firm/riverstone-asset-management-llc-louisville-ky-161087) ([md](https://advisorcensus.com/firm/riverstone-asset-management-llc-louisville-ky-161087.md)) | 161087 | Louisville, KY | SEC-registered investment adviser | $100 million to $500 million | 0 | % of assets |
| [Russell Capital Management, LLC](https://advisorcensus.com/firm/russell-capital-management-llc-lexington-ky-109513) ([md](https://advisorcensus.com/firm/russell-capital-management-llc-lexington-ky-109513.md)) | 109513 | Lexington, KY | SEC-registered investment adviser | $100 million to $500 million | 26 | % of assets, Fixed fee |
| [Saecula Wealth LLC](https://advisorcensus.com/firm/saecula-wealth-llc-georgetown-ky-339221) ([md](https://advisorcensus.com/firm/saecula-wealth-llc-georgetown-ky-339221.md)) | 339221 | Georgetown,, KY | State-registered investment adviser | Under $25 million | 0 | Fixed fee |
| [Saling Wealth Advisors](https://advisorcensus.com/firm/saling-wealth-advisors-louisville-ky-283226) ([md](https://advisorcensus.com/firm/saling-wealth-advisors-louisville-ky-283226.md)) | 283226 | Louisville, KY | SEC-registered investment adviser | $500 million to $1 billion | 10 | % of assets, Fixed fee |
| [Spectrum Financial Alliance, Ltd., L.L.C.](https://advisorcensus.com/firm/spectrum-financial-alliance-ltd-l-l-c-nicholasville-ky-125147) ([md](https://advisorcensus.com/firm/spectrum-financial-alliance-ltd-l-l-c-nicholasville-ky-125147.md)) | 125147 | Nicholasville, KY | SEC-registered investment adviser | $500 million to $1 billion | 12 | % of assets, Fixed fee |

- Next page: https://advisorcensus.com/advisors/ky/fee-only/page/2.md

## Questions people ask

**How many financial advisory firms are there in Kentucky?**
AdvisorCensus lists 166 investment advisory firms with a principal office in Kentucky, from Form ADV filings as of October 2026: 85 SEC-registered, 75 state-registered, and 6 exempt reporting advisers. Firms may request removal, so the count can differ slightly from the number of firms that file Form ADV.

**How many fee-only financial advisors are in Kentucky?**
61 of the 166 firms meet AdvisorCensus's fee-only test: paid only by a percentage of assets, hourly charges, fixed fees, or subscription fees on Form ADV Item 5.E (no commissions, performance-based fees, or other compensation), with no sales-related compensation ties in the same filing: no employee registered with a broker-dealer or licensed as an insurance agent (Item 5.B), no brokerage, insurance, real estate, or other product sales business (Item 6.A), no related broker-dealer, insurance company, real estate broker, or futures commission merchant (Item 7.A), and no referral fees from others or other sales interest (Item 8). Form ADV has no fee-only box, so this is derived from the filing; it is not a fee-only certification, and a firm's own page lists its compensation arrangements as filed.

**How many financial advisors in Kentucky offer financial planning?**
109 of the 160 firms in Kentucky that answer Form ADV Item 5.G, which asks what advisory services a firm provides, report financial planning services, as of October 2026. Exempt reporting advisers do not answer Item 5.G. Each firm page lists every advisory service the firm reports.

**Are the financial advisors in Kentucky fiduciaries?**
Every firm on this page is an investment adviser that files Form ADV, and an investment adviser owes its clients a fiduciary duty under federal law, made up of a duty of care and a duty of loyalty: it must act in the client's best interest and not put its own interests ahead of the client's, and must eliminate its conflicts of interest or disclose them fully and fairly. Form ADV has no fiduciary box because the duty comes with being an investment adviser. The duty covers the firm's advice; a firm or its people may also sell securities through a broker-dealer or insurance as licensed agents, roles held to other standards. The 61 firms that meet AdvisorCensus's fee-only test report none of those sales ties.

**How do I check whether a financial advisor has disciplinary disclosures?**
Each firm page shows how many Form ADV Item 11 disciplinary questions the firm answered yes and links to the firm's record on the SEC's Investment Adviser Public Disclosure site (adviserinfo.sec.gov), where the detail of each disclosure is public. Individual advisers' records are on the same site and on FINRA BrokerCheck.

**Does AdvisorCensus rate, verify, or recommend these firms?**
No. The directory shows what each firm filed, in alphabetical order unless you choose another sort, and no firm's position depends on payment. Firms that claim their page can add a description and links, marked as provided by the firm; the filed facts are never changed by that content.

**What does regulatory assets under management mean?**
Regulatory assets under management (RAUM) is the figure a firm reports on Form ADV Item 5.F: the securities portfolios it provides continuous and regular supervisory or management services for, at market value, including assets managed without discretion. It measures scale, not performance or quality.

## Related pages

- [Financial advisors in Kentucky](https://advisorcensus.com/advisors/ky) (https://advisorcensus.com/advisors/ky.md)
- [Flat-fee financial advisors in Kentucky](https://advisorcensus.com/advisors/ky/flat-fee) (https://advisorcensus.com/advisors/ky/flat-fee.md)
- [Hourly financial advisors in Kentucky](https://advisorcensus.com/advisors/ky/hourly) (https://advisorcensus.com/advisors/ky/hourly.md)
- [Fee-only financial advisors in Louisville, KY](https://advisorcensus.com/advisors/ky/louisville/fee-only) (https://advisorcensus.com/advisors/ky/louisville/fee-only.md)
- [Fee-only financial advisors in Lexington, KY](https://advisorcensus.com/advisors/ky/lexington/fee-only) (https://advisorcensus.com/advisors/ky/lexington/fee-only.md)
- [Fee-only financial advisors in Owensboro, KY](https://advisorcensus.com/advisors/ky/owensboro/fee-only) (https://advisorcensus.com/advisors/ky/owensboro/fee-only.md)
- [Fee-only financial advisors in Bowling Green, KY](https://advisorcensus.com/advisors/ky/bowling-green/fee-only) (https://advisorcensus.com/advisors/ky/bowling-green/fee-only.md)

Cite as: AdvisorCensus. Fee-only financial advisors in Kentucky: 61 firms from Form ADV filings as of October 2026.