# Jennings & Associates Financial Advisors, LLC

> Jennings & Associates Financial Advisors, LLC is an SEC-registered investment advisory firm in Paducah, KY, registered since 2023, reporting $100 million to $500 million in regulatory assets under management in its Form ADV filing dated March 31, 2026.

- CRD: 312706
- Filed as: JENNINGS & ASSOCIATES FINANCIAL ADVISORS, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Paducah, KY
- Filing period: October 2026
- Form ADV filing dated: March 31, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/312706
- AdvisorCensus page: https://advisorcensus.com/firm/jennings-and-associates-financial-advisors-llc-paducah-ky-312706

## Quick answers

**How is Jennings & Associates Financial Advisors, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), Jennings & Associates Financial Advisors, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**What does Jennings & Associates Financial Advisors, LLC's brochure say about its fees?**
Its Form ADV Part 2A brochure dated March 31, 2026 states: Asset-based fee: up to 2.5% of assets a year (the maximum the brochure states). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is Jennings & Associates Financial Advisors, LLC located?**
Jennings & Associates Financial Advisors, LLC's principal office is in Paducah, KY, according to its Form ADV.

**Is Jennings & Associates Financial Advisors, LLC registered with the SEC or a state?**
Jennings & Associates Financial Advisors, LLC is an SEC-registered investment advisory firm, registered since 2023. Status as filed: Approved. CRD 312706.

**How much does Jennings & Associates Financial Advisors, LLC manage?**
Jennings & Associates Financial Advisors, LLC reports $240,125,414 in regulatory assets under management in its Form ADV filing dated March 31, 2026 (100% discretionary).

**How have Jennings & Associates Financial Advisors, LLC's assets and staff changed since 2023?**
In the Form ADV data for Jennings & Associates Financial Advisors, LLC: Regulatory assets under management: $0 in the October 2023 data and $240,125,414 in the October 2026 data. Total employees: 9 in October 2023 and 8 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does Jennings & Associates Financial Advisors, LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (504); high net worth individuals (176); corporations or other businesses not listed above (8).

**Which custodians does Jennings & Associates Financial Advisors, LLC use?**
Jennings & Associates Financial Advisors, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists LPL Financial LLC as a custodian holding 10% or more of its separately managed account assets.

**Does Jennings & Associates Financial Advisors, LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/312706

**What changed in Jennings & Associates Financial Advisors, LLC's recent Form ADV filings?**
In the April 2026 filing data: Regulatory assets under management went from $208,401,036 to $240,125,414 (+15%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Fees and minimums (Form ADV Part 2A brochure dated March 31, 2026)

- Asset-based fee: up to 2.5% of assets a year (the maximum the brochure states)

> Investment advisory fees are paid quarterly in advance based on a percentage of assets under management not to exceed 2.5%.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- LPL Financial LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $240,125,414
- Discretionary: $240,125,414
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 504 | $90,842,240 |
| High net worth individuals | 176 | $145,706,332 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 0 | $0 |
| Charitable organizations | 3 | $655,889 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 8 | $2,920,953 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services

### Firm details
- Registered since: 2023 (3 years)
- Employees: 8 total, 5 performing advisory functions
- Wrap fee program participation: Yes
- States registered or notice-filed: IL, KY, LA, MO, TN, TX
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- jenningsfinancialadvisors.com
- Facebook @jenningsfinancialadvisorsllc
- LinkedIn @jennings-&-associates-financial-advisors-llc
- LinkedIn @cbrewer4
- LinkedIn @keith-jennings-b00ba397
- LinkedIn @kristinlynch1
- LinkedIn @logan-brown-517785194
- LinkedIn @miranda-wood-0303291a5

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2023 | $0 | 9 | August 4, 2023 |
| October 2024 | $179,249,914 | 9 | February 27, 2024 |
| October 2025 | $208,401,036 | 8 | March 14, 2025 |
| October 2026 | $240,125,414 | 8 | March 31, 2026 |

Regulatory assets under management: $0 in the October 2023 data and $240,125,414 in the October 2026 data.
Total employees: 9 in October 2023 and 8 in October 2026.

## Changes in the filing (last 12 months)

### April 2026
- Regulatory assets under management went from $208,401,036 to $240,125,414 (+15%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Jennings & Associates Financial Advisors, LLC (CRD 312706): Form ADV filing data as of October 2026.