# Flat-fee financial advisors in Kentucky

> AdvisorCensus lists 103 investment advisory firms with a principal office in Kentucky that report fixed fees among their Form ADV Item 5.E compensation arrangements, 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/flat-fee/page/2

## At a glance

- Investment advisory firms: 103
- Registration: SEC-registered investment adviser: 57, State-registered investment adviser: 46
- How firms are compensated (Form ADV Item 5.E; shares of the firms that file it): Fee-only (AdvisorCensus test) 40 (39%); Percentage of assets 97 (94%); Hourly charges 62 (60%); Subscription fees (newsletter or periodical) 1 (1%); Fixed fees 103 (100%); Commissions 1 (1%); Performance-based fees 5 (5%); Other 9 (9%)
- Regulatory assets under management (Item 5.F): Under $25 million 23 (22%); $25 million to $100 million 19 (18%); $100 million to $500 million 33 (32%); $500 million to $1 billion 9 (9%); $1 billion to $5 billion 12 (12%); Over $5 billion 1 (1%); Not reported 6 (6%)
- Years registered: Under 5 years 37 (36%); 5 to 9 years 29 (28%); 10 to 19 years 24 (23%); 20 years or more 12 (12%); Not reported 1 (1%)

## Firms (page 2 of 3, 51 to 100 of 103, sorted by name)

| Firm | CRD | City | Registration | Assets band | Years registered | Compensation |
| --- | --- | --- | --- | --- | --- | --- |
| [Key Financial Advisors LLC](https://advisorcensus.com/firm/key-financial-advisors-llc-291129) ([md](https://advisorcensus.com/firm/key-financial-advisors-llc-291129.md)) | 291129 | Not reported, Not reported | State-registered investment adviser | Not reported | 8 | Hourly, Fixed fee, Other |
| [Keystone Financial Group, LLC](https://advisorcensus.com/firm/keystone-financial-group-llc-lexington-ky-170201) ([md](https://advisorcensus.com/firm/keystone-financial-group-llc-lexington-ky-170201.md)) | 170201 | Lexington, KY | SEC-registered investment adviser | $1 billion to $5 billion | 12 | % of assets, Hourly, Fixed fee |
| [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 |
| [KPP Advisory Services LLC](https://advisorcensus.com/firm/kpp-advisory-services-llc-louisville-ky-289507) ([md](https://advisorcensus.com/firm/kpp-advisory-services-llc-louisville-ky-289507.md)) | 289507 | Louisville, KY | SEC-registered investment adviser | $1 billion to $5 billion | 9 | % of assets, Hourly, Fixed fee |
| [Kwma](https://advisorcensus.com/firm/kwma-319076) ([md](https://advisorcensus.com/firm/kwma-319076.md)) | 319076 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 3 | % 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 |
| [Legacy Financial Advisors, Inc.](https://advisorcensus.com/firm/legacy-financial-advisors-inc-covington-ky-158675) ([md](https://advisorcensus.com/firm/legacy-financial-advisors-inc-covington-ky-158675.md)) | 158675 | Covington, KY | SEC-registered investment adviser | $1 billion to $5 billion | 15 | % of assets, Fixed fee |
| [Legacy Financial Independent Advisors LLC](https://advisorcensus.com/firm/legacy-financial-independent-advisors-llc-louisville-ky-324258) ([md](https://advisorcensus.com/firm/legacy-financial-independent-advisors-llc-louisville-ky-324258.md)) | 324258 | Louisville, KY | SEC-registered investment adviser | $100 million to $500 million | 3 | % of assets, Hourly, Fixed fee |
| [LFG Wealth Partners, LLC](https://advisorcensus.com/firm/lfg-wealth-partners-llc-elizabethtown-ky-331339) ([md](https://advisorcensus.com/firm/lfg-wealth-partners-llc-elizabethtown-ky-331339.md)) | 331339 | Elizabethtown, KY | SEC-registered investment adviser | $100 million to $500 million | 2 | % 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 |
| [Lifetime Wealth Design LLC](https://advisorcensus.com/firm/lifetime-wealth-design-llc-louisville-ky-165086) ([md](https://advisorcensus.com/firm/lifetime-wealth-design-llc-louisville-ky-165086.md)) | 165086 | Louisville, KY | State-registered investment adviser | Under $25 million | 8 | % of assets, Fixed fee |
| [Lightpath Wealth & Tax Advisors](https://advisorcensus.com/firm/lightpath-wealth-and-tax-advisors-312276) ([md](https://advisorcensus.com/firm/lightpath-wealth-and-tax-advisors-312276.md)) | 312276 | Not reported, Not reported | State-registered investment adviser | Not reported | 5 | % of assets, Hourly, Fixed fee, Other |
| [Lloyd Financial Group LLC](https://advisorcensus.com/firm/lloyd-financial-group-llc-union-ky-335332) ([md](https://advisorcensus.com/firm/lloyd-financial-group-llc-union-ky-335332.md)) | 335332 | Union, KY | State-registered investment adviser | Under $25 million | 1 | % of assets, 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 |
| [Magnate Advisory Services, LLC](https://advisorcensus.com/firm/magnate-advisory-services-llc-louisville-ky-283056) ([md](https://advisorcensus.com/firm/magnate-advisory-services-llc-louisville-ky-283056.md)) | 283056 | Louisville, KY | SEC-registered investment adviser | $100 million to $500 million | 6 | % of assets, Hourly, Fixed fee |
| [MCF Advisors, LLC](https://advisorcensus.com/firm/mcf-advisors-llc-lexington-ky-130372) ([md](https://advisorcensus.com/firm/mcf-advisors-llc-lexington-ky-130372.md)) | 130372 | Lexington, KY | SEC-registered investment adviser | $1 billion to $5 billion | 22 | % of assets, Hourly, Fixed fee |
| [Mercurio Wealth Advisors](https://advisorcensus.com/firm/mercurio-wealth-advisors-louisville-ky-283632) ([md](https://advisorcensus.com/firm/mercurio-wealth-advisors-louisville-ky-283632.md)) | 283632 | Louisville, KY | SEC-registered investment adviser | $100 million to $500 million | 5 | % of assets, Fixed fee |
| [Meridian Wealth Management, LLC](https://advisorcensus.com/firm/meridian-wealth-management-llc-lexington-ky-151523) ([md](https://advisorcensus.com/firm/meridian-wealth-management-llc-lexington-ky-151523.md)) | 151523 | Lexington, KY | SEC-registered investment adviser | $1 billion to $5 billion | 16 | % of assets, Hourly, Fixed fee |
| [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 |
| [Owen Larue Financial Group](https://advisorcensus.com/firm/owen-larue-financial-group-elizabethtown-ky-289436) ([md](https://advisorcensus.com/firm/owen-larue-financial-group-elizabethtown-ky-289436.md)) | 289436 | Elizabethtown, KY | SEC-registered investment adviser | $100 million to $500 million | 9 | % 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 |
| [Paragon Private Wealth Management LLC](https://advisorcensus.com/firm/paragon-private-wealth-management-llc-lexington-ky-312817) ([md](https://advisorcensus.com/firm/paragon-private-wealth-management-llc-lexington-ky-312817.md)) | 312817 | Lexington, KY | SEC-registered investment adviser | $100 million to $500 million | 5 | % 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 |
| [Principled Wealth Advisors, LLC](https://advisorcensus.com/firm/principled-wealth-advisors-llc-covington-ky-138143) ([md](https://advisorcensus.com/firm/principled-wealth-advisors-llc-covington-ky-138143.md)) | 138143 | Covington, KY | SEC-registered investment adviser | $100 million to $500 million | 0 | % of assets, Fixed fee |
| [Private Client Services, LLC](https://advisorcensus.com/firm/private-client-services-llc-louisville-ky-120222) ([md](https://advisorcensus.com/firm/private-client-services-llc-louisville-ky-120222.md)) | 120222 | Louisville, KY | SEC-registered investment adviser | $1 billion to $5 billion | 16 | % of assets, Hourly, Fixed fee |
| [Proactive Advisors, LLC](https://advisorcensus.com/firm/proactive-advisors-llc-lexington-ky-147332) ([md](https://advisorcensus.com/firm/proactive-advisors-llc-lexington-ky-147332.md)) | 147332 | Lexington, KY | State-registered investment adviser | $25 million to $100 million | 14 | % of assets, Hourly, Fixed fee, Other |
| [Prosperity Asset Management, LLC](https://advisorcensus.com/firm/prosperity-asset-management-llc-louisville-ky-286028) ([md](https://advisorcensus.com/firm/prosperity-asset-management-llc-louisville-ky-286028.md)) | 286028 | Louisville, KY | State-registered investment adviser | $25 million to $100 million | 9 | % of assets, Fixed fee |
| [Q2 Wealth Management](https://advisorcensus.com/firm/q2-wealth-management-lexington-ky-314932) ([md](https://advisorcensus.com/firm/q2-wealth-management-lexington-ky-314932.md)) | 314932 | Lexington, KY | SEC-registered investment adviser | $100 million to $500 million | 1 | % of assets, Hourly, Fixed fee |
| [Reliant Wealth Planning, LLC](https://advisorcensus.com/firm/reliant-wealth-planning-llc-louisville-ky-286230) ([md](https://advisorcensus.com/firm/reliant-wealth-planning-llc-louisville-ky-286230.md)) | 286230 | Louisville, KY | SEC-registered investment adviser | $500 million to $1 billion | 9 | % of assets, Fixed fee |
| [Retirement Planning Solutions, LLC](https://advisorcensus.com/firm/retirement-planning-solutions-llc-louisville-ky-311575) ([md](https://advisorcensus.com/firm/retirement-planning-solutions-llc-louisville-ky-311575.md)) | 311575 | Louisville, KY | SEC-registered investment adviser | $100 million to $500 million | 5 | % of assets, Hourly, Fixed fee |
| [Ricketts Financial, LLC](https://advisorcensus.com/firm/ricketts-financial-llc-louisville-ky-309381) ([md](https://advisorcensus.com/firm/ricketts-financial-llc-louisville-ky-309381.md)) | 309381 | Louisville, KY | SEC-registered investment adviser | $100 million to $500 million | 6 | % of assets, Fixed fee |
| [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 |
| [Stegner Investment Associates Inc](https://advisorcensus.com/firm/stegner-investment-associates-inc-louisville-ky-107480) ([md](https://advisorcensus.com/firm/stegner-investment-associates-inc-louisville-ky-107480.md)) | 107480 | Louisville, KY | SEC-registered investment adviser | $1 billion to $5 billion | 32 | % of assets, Fixed fee |
| [T.K.M. Financial Services, LLC](https://advisorcensus.com/firm/t-k-m-financial-services-llc-louisville-ky-289872) ([md](https://advisorcensus.com/firm/t-k-m-financial-services-llc-louisville-ky-289872.md)) | 289872 | Louisville, KY | State-registered investment adviser | $25 million to $100 million | 8 | % of assets, Hourly, Fixed fee |
| [Tenet Portfolio Management](https://advisorcensus.com/firm/tenet-portfolio-management-339025) ([md](https://advisorcensus.com/firm/tenet-portfolio-management-339025.md)) | 339025 | Not reported, Not reported | State-registered investment adviser | Under $25 million | 0 | % of assets, Hourly, Fixed fee |
| [The Prosperity People](https://advisorcensus.com/firm/the-prosperity-people-bellevue-ky-124957) ([md](https://advisorcensus.com/firm/the-prosperity-people-bellevue-ky-124957.md)) | 124957 | Bellevue, KY | SEC-registered investment adviser | $100 million to $500 million | 4 | % of assets, Hourly, Fixed fee |
| [The Wealth Planning Company](https://advisorcensus.com/firm/the-wealth-planning-company-louisville-ky-341410) ([md](https://advisorcensus.com/firm/the-wealth-planning-company-louisville-ky-341410.md)) | 341410 | Louisville, KY | State-registered investment adviser | Under $25 million | Not reported | % of assets, Hourly, Fixed fee |
| [Todd Asset Management LLC](https://advisorcensus.com/firm/todd-asset-management-llc-louisville-ky-109473) ([md](https://advisorcensus.com/firm/todd-asset-management-llc-louisville-ky-109473.md)) | 109473 | Louisville, KY | SEC-registered investment adviser | Over $5 billion | 28 | % of assets, Fixed fee |
| [Townsend Financial Planning](https://advisorcensus.com/firm/townsend-financial-planning-mt-sterling-ky-141571) ([md](https://advisorcensus.com/firm/townsend-financial-planning-mt-sterling-ky-141571.md)) | 141571 | Mt. Sterling, KY | SEC-registered investment adviser | $100 million to $500 million | 2 | % of assets, Hourly, Fixed fee, Other |
| [Van Leeuwen Retirement & Investment Services](https://advisorcensus.com/firm/van-leeuwen-retirement-and-investment-services-richmond-ky-289463) ([md](https://advisorcensus.com/firm/van-leeuwen-retirement-and-investment-services-richmond-ky-289463.md)) | 289463 | Richmond, KY | SEC-registered investment adviser | $500 million to $1 billion | 9 | % of assets, Hourly, Fixed fee |
| [Warren Wealth Management & Tax Planning Inc.](https://advisorcensus.com/firm/warren-wealth-management-and-tax-planning-inc-louisville-ky-305992) ([md](https://advisorcensus.com/firm/warren-wealth-management-and-tax-planning-inc-louisville-ky-305992.md)) | 305992 | Louisville, KY | State-registered investment adviser | $25 million to $100 million | 6 | % of assets, Fixed fee |
| [Waycross GP, LLC](https://advisorcensus.com/firm/waycross-gp-llc-louisville-ky-339521) ([md](https://advisorcensus.com/firm/waycross-gp-llc-louisville-ky-339521.md)) | 339521 | Louisville, KY | SEC-registered investment adviser | $100 million to $500 million | 0 | % of assets, Fixed fee, Performance fee |
| [Waycross Partners, LLC](https://advisorcensus.com/firm/waycross-partners-llc-louisville-ky-153838) ([md](https://advisorcensus.com/firm/waycross-partners-llc-louisville-ky-153838.md)) | 153838 | Louisville, KY | SEC-registered investment adviser | $1 billion to $5 billion | 11 | % of assets, Fixed fee |

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

Cite as: AdvisorCensus. Flat-fee financial advisors in Kentucky: 103 firms from Form ADV filings as of October 2026.