# Zachary Kratofil

> Zachary Kratofil is a fee-only financial advisor at Clayton Financial Group in St. Louis, Missouri, who holds the CFP credential. Zachary focuses on tax planning and estate & legacy planning. Clayton Financial Group reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/zachary-kratofil/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Clayton Financial Group
- **Based in:** St. Louis, Missouri
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $793.8M across 1,306 accounts
- **Credentials:** CFP
- **Specialties:** Tax planning, Estate & legacy planning
- **CRD:** 6741561 (https://adviserinfo.sec.gov/individual/summary/6741561)
- **SEC registration:** Investment adviser representative in MO
- **Firm size:** 7 employees
- **Disclosures:** None reported
- **Website:** http://www.claytonfinancialgroup.com/

## Frequently asked questions

### Is Zachary Kratofil a fee-only financial advisor?

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

### How does Zachary charge for financial advice?

Zachary's firm, Clayton Financial Group, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Zachary Kratofil based?

Zachary Kratofil is based in St. Louis, Missouri.

### What does Zachary specialize in?

Zachary's specialties include tax planning and estate & legacy planning.

### What credentials does Zachary Kratofil hold?

Zachary Kratofil holds the CFP credential.

### Is Zachary Kratofil registered with the SEC?

Yes. Zachary Kratofil is registered as an investment adviser representative in MO (CRD 6741561), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Clayton Financial Group manage?

Clayton Financial Group reports $793.8M across 1,306 accounts in assets under management.

### How do I contact Zachary Kratofil?

Through Zachary's website, www.claytonfinancialgroup.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6741561): 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
- The firm's website (https://claytonfinancialgroup.com/): specialties, clients served, and fees, checked October 30, 2026

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