Financial advisors
Fee-only financial advisors in Kentucky
67 fee-only investment advisers in Kentucky serve individuals, across 20 cities. 48 offer hourly or flat-fee arrangements and 37 are registered with the SEC; the rest are registered with the state securities regulator. Each listing comes from the firm’s own Form ADV filing, as of November 6, 2026.
Cities with three or more fee-only advisers
- Louisville 26
- Lexington 21
Fee-only advisers in Kentucky serving the most individuals
- Keystone Financial Group, LLC Lexington · 6,602 individual clients
- Lockshield Partners, Inc. Glasgow · 1,113 individual clients
- Wealthmd Corporation Louisville · 1,061 individual clients
- Dupree Financial Group, LLC Lexington · 825 individual clients
- Legacy Financial Independent Advisors LLC Louisville · 741 individual clients
- Van Leeuwen Retirement & Investment Services Richmond · 700 individual clients
- Jennings & Associates Financial Advisors, LLC Paducah · 680 individual clients
- Spectrum Financial Alliance, Ltd., L.L.C. Nicholasville · 674 individual clients
- Itrust Asset Management, LLC Lexington · 457 individual clients
- Ballast, Inc. Lexington · 454 individual clients
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Other Kentucky cities
Bellevue
- The Prosperity People $147M
Brandenburg
Covington
Edgewood
Florence
Frankfort
- Vistafront Partners Inc $642K
Ft. Mitchell
Glasgow
Mayfield
Mt. Sterling
Munfordville
New Haven
- Fenwick Financial $1.8M
Nicholasville
Owensboro
Paducah
Prospect
Richmond
Smiths Grove
- Avant-Garde Wealth $3.5M
How to choose between them
- Decide how you want to pay. Hourly and flat-fee planners suit people who want a plan and will implement it themselves. A percentage-of-assets fee buys ongoing investment management; on $1 million at 1% that is $10,000 a year, every year.
- Check the SEC record. Each listing links to the firm’s page on the SEC’s Investment Adviser Public Disclosure site, where you can read the Form ADV Part 2 brochure (fees, minimums, conflicts) and any disciplinary history.
- Ask who you will actually work with and what credentials they hold. The advisor versus consultant guide explains which titles are regulated and which are marketing.
- Ask about minimums. Form ADV Part 1 does not record account minimums, so they are not shown here. Many asset-based firms require $500,000 or more; hourly planners usually have none.
- Get the fee in writing before you sign, including fund expenses and any platform or custody charges on top.