# Stephen Byars

> Stephen Byars is a fee-only financial advisor at Moneywatch Advisors in Lexington, Kentucky, who holds the CFP credential. Moneywatch Advisors reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/stephen-byars/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Moneywatch Advisors
- **Based in:** Lexington, Kentucky
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $329.7M across 384 accounts
- **Credentials:** CFP
- **CRD:** 7068766 (https://adviserinfo.sec.gov/individual/summary/7068766)
- **SEC registration:** Investment adviser representative in KY
- **Firm size:** 6 employees
- **Disclosures:** None reported
- **Website:** http://www.moneywatchadvisors.com/

## Frequently asked questions

### Is Stephen Byars a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Stephen holds no broker registration, and Moneywatch Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Stephen charge for financial advice?

Stephen's firm, Moneywatch Advisors, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Stephen Byars based?

Stephen Byars is based in Lexington, Kentucky.

### What credentials does Stephen Byars hold?

Stephen Byars holds the CFP credential.

### Is Stephen Byars registered with the SEC?

Yes. Stephen Byars is registered as an investment adviser representative in KY (CRD 7068766), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Moneywatch Advisors manage?

Moneywatch Advisors reports $329.7M across 384 accounts in assets under management.

### How do I contact Stephen Byars?

Through Stephen's website, www.moneywatchadvisors.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7068766): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.