# KPP Advisory Services LLC

> KPP Advisory Services LLC is an SEC-registered investment advisory firm in Louisville, KY, registered since 2017, reporting $1 billion to $5 billion in regulatory assets under management in its Form ADV filing dated May 28, 2026.

- CRD: 289507
- Filed as: KPP ADVISORY SERVICES LLC
- Also doing business as: DOWDY ROY FINANCIAL, MONEY411, ROI FINANCIAL
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Location: Louisville, KY
- Filing period: October 2026
- Form ADV filing dated: May 28, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/289507
- AdvisorCensus page: https://advisorcensus.com/firm/kpp-advisory-services-llc-louisville-ky-289507

## Quick answers

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

**How much does KPP Advisory Services LLC charge?**
Its Form ADV Part 2A brochure dated March 20, 2026 states: Hourly rate: $200 to $300 an hour (Financial Planning Services); Flat fee: $1,000 to $10,000 (financial planning fee); Hourly rate: $300 an hour (services selected under the Employer-Sponsored Retirement Plan Consulting…). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Where is KPP Advisory Services LLC located?**
KPP Advisory Services LLC's principal office is in Louisville, KY, according to its Form ADV; the June 2026 filing also lists 6 other offices (Schedule D, Section 1.F).

**Is KPP Advisory Services LLC registered with the SEC or a state?**
KPP Advisory Services LLC is an SEC-registered investment advisory firm, registered since 2017. Status as filed: Approved. CRD 289507.

**How much does KPP Advisory Services LLC manage?**
KPP Advisory Services LLC reports $1,241,011,682 in regulatory assets under management in its Form ADV filing dated May 28, 2026 (98% discretionary).

**How have KPP Advisory Services LLC's assets and staff changed since 2021?**
In the Form ADV data for KPP Advisory Services LLC: Regulatory assets under management: $433,767,961 in the October 2021 data and $1,241,011,682 in the October 2026 data, up 186%. Total employees: 22 in October 2021 and 37 in October 2026. Assets under management move with markets as well as with clients coming and going.

**What types of clients does KPP Advisory Services LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (3,677); high net worth individuals (318).

**Which custodians does KPP Advisory Services LLC use?**
KPP Advisory Services 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 KPP Advisory Services 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/289507

**What changed in KPP Advisory Services LLC's recent Form ADV filings?**
In the June 2026 filing data: Employees performing advisory functions went from 25 to 26.

## 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 20, 2026)

- Hourly rate: $200 to $300 an hour (Financial Planning Services)

> The Client shall pay KPPAS for services provided, a fee of an hourly rate ranging from $200 to $300.

- Flat fee: $1,000 to $10,000 (financial planning fee)

> The financial planning fee may be calculated and charged on a fixed fee basis, typically ranging from $1,000 to $10,000, subject to the specific arrangement reached with the Client.

- Hourly rate: $300 an hour (services selected under the Employer-Sponsored Retirement Plan Consulting…)

> Maximum hourly Rate of $300

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: $1,241,011,682
- Discretionary: $1,218,877,491
- Non-discretionary: $22,134,191

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 3,677 | $729,399,747 |
| High net worth individuals | 318 | $511,611,935 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Selection of other advisers (including private fund managers)
- Educational seminars/workshops

### Firm details
- Registered since: 2017 (9 years)
- Employees: 37 total, 26 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: AL, AR, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MI, MO, NC, NE, NV, NY, OH, OK, OR, PA, SC, TN, TX, VA, WI
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Other offices (Schedule D, Section 1.F), as of the June 2026 filing
- Bowling Green, KY
- Clarksville, TN
- Evansville, IN
- Hendersonville, TN
- Lexington, KY
- Somerset, KY

### Websites listed on Form ADV (Item 1.I)
- kpp-lpl.com
- money411.info
- roi-fg.com
- Facebook @KentuckyPlanningPartners
- LinkedIn @kentucky-planning-partners
- YouTube @KyPlanningPartners

## Assets and staff over time

| Data period | Regulatory assets under management | Employees | Filing dated |
| --- | --- | --- | --- |
| October 2021 | $433,767,961 | 22 | August 30, 2021 |
| October 2022 | $934,057,044 | 32 | August 23, 2022 |
| October 2023 | $1,476,243,973 | 31 | March 29, 2023 |
| October 2024 | $880,562,438 | 33 | June 11, 2024 |
| October 2025 | $874,251,636 | 35 | June 24, 2025 |
| October 2026 | $1,241,011,682 | 37 | May 28, 2026 |

Regulatory assets under management: $433,767,961 in the October 2021 data and $1,241,011,682 in the October 2026 data, up 186%.
Total employees: 22 in October 2021 and 37 in October 2026.

## Changes in the filing (last 12 months)

### June 2026
- Employees performing advisory functions went from 25 to 26.

### May 2026
- Registered or notice-filed in NV.

### April 2026
- Employees performing advisory functions went from 24 to 25.
- Regulatory assets under management went from $874,251,636 to $1,241,011,682 (+42%).
- Added an office in Hendersonville, TN.
- No longer lists an office in Indianapolis, IN.
- No longer lists an office in Louisville, KY.

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. KPP Advisory Services LLC (CRD 289507): Form ADV filing data as of October 2026.