Financial advisors for people close to retirement in Kentucky
Which financial advisor should I talk to if you're close to retirement in Kentucky?
For people close to retirement in Kentucky, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include Andrew Sloan of Bluegrass Financial Planning, LLC, Stuart Coats of Coats Financial Planning, Inc. and Jeremiah Creech of Townsend Financial Planning, LLC.
Where to start
Chosen from what each record shows: credentials that fit this work and fees on file, one advisor per firm.
- Andrew Sloan Bluegrass Financial Planning, LLC, Louisville Holds the CFP and EA. Fees on file: hourly.
- Stuart Coats Coats Financial Planning, Inc., Louisville Holds the CFP. Fees on file: ongoing planning fee.
- Jeremiah Creech Townsend Financial Planning, LLC, Louisville Holds the CFP. Fees on file: percentage of assets, one-time planning fee.
- Amy Stuber Saling Wealth Advisors, Louisville Holds the CFP. Fees on file: percentage of assets, fixed fees.
- Brian Burton Ballast, Lexington Holds the CFP. Fees on file: percentage of assets, hourly.
- Steven O'Connor Altus Wealth Management, Ft. Mitchell Holds the CFP. Fees on file: percentage of assets, hourly.
How many fee-only financial advisors in Kentucky work with people close to retirement?
The Wellspent public graph lists 36 fee-only advisors for people close to retirement in Kentucky, at 11 firms. We counted every advisor record that lists this work, as of October 2026.
Where are fee-only advisors for people close to retirement in Kentucky located?
Of the 36 fee-only advisors for people close to retirement in Kentucky, 21 are in Louisville, followed by 10 in Lexington and 5 in Ft. Mitchell.
How do fee-only advisors for people close to retirement in Kentucky charge?
The most common fee among fee-only advisors for people close to retirement in Kentucky is a percentage of assets, used by 94% of the 36 with fees on file. Many use more than one: 69% charge fixed fees and 61% charge by the hour.
What credentials should a financial advisor for people close to retirement have?
For people close to retirement, look for the CFP and EA. In Kentucky, 61% of the 36 advisors listed hold the CFP.
- CFP61% in Kentucky
- The CFP covers the whole transition.
- EA3% in Kentucky
- Enrolled agents help with the low-tax years before Social Security.
How do Kentucky advisors for people close to retirement compare with the rest of the US?
69% of fee-only advisors for people close to retirement in Kentucky charge fixed fees, compared with 40% of the 2,969 listed across the US. That's the largest difference in the Wellspent public graph between the two groups.
Dark bars are Kentucky. Light bars are all US advisors for people close to retirement.
Does Kentucky tax Social Security?
No. Kentucky doesn't tax Social Security. Its treatment of IRA withdrawals and pensions has its own rules, so ask to see them in your plan.
What should I ask a financial advisor if you're close to retirement in Kentucky?
- Can I retire when I want to, and what would change your answer?
- How should my investments change in the years before I stop working?
- How do I cover health insurance before Medicare?
- What should I do with my 401(k) when I leave?
- How does Kentucky tax each source of my retirement income?
How current is this list of fee-only advisors for people close to retirement in Kentucky?
Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record.
All 36 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Jeremiah Creech | Townsend Financial Planning, LLC | Louisville | CFP | Percentage of assets, One-time planning fee |
| Andrew Sloan | Bluegrass Financial Planning, LLC | Louisville | AIF, CFP, EA, MBA | Hourly |
| Gregory Curry | Pillar Financial Advisors, LLC | Louisville | CFA, CPA/PFS | Percentage of assets, Fixed fees |
| Stuart Coats | Coats Financial Planning, Inc. | Louisville | BBA, CFP, MBA | Ongoing planning fee |
| Amy Stuber | Saling Wealth Advisors | Louisville | CFP | Percentage of assets, Fixed fees |
| Andrew Reynolds | Ballast | Lexington | CFP | Percentage of assets, Hourly |
| Brian Burton | Ballast | Lexington | CFP | Percentage of assets, Hourly |
| Cameron Hamilton | Ballast | Lexington | CFP | Percentage of assets, Hourly |
| Christian Doyle | Saling Wealth Advisors | Louisville | CFP | Percentage of assets, Fixed fees |
| Christopher McCrea | Legacy Financial Independent Advisors | Louisville | CFP | Percentage of assets, Hourly |
| Eric Saling | Saling Wealth Advisors | Louisville | CFP | Percentage of assets, Fixed fees |
| Frank Yozwiak | Ballast | Lexington | CFP | Percentage of assets, Hourly |
| Jeffrey Gough | Saling Wealth Advisors | Louisville | CFP | Percentage of assets, Fixed fees |
| John Boardman | Ballast | Lexington | CFP | Percentage of assets, Hourly |
| Noah Polk | Saling Wealth Advisors | Louisville | CFP | Percentage of assets, Fixed fees |
| Tendai Charasika | Saling Wealth Advisors | Louisville | CFP | Percentage of assets, Fixed fees |
| Thomas Falkner | Legacy Financial Independent Advisors | Louisville | CFP | Percentage of assets, Hourly |
| Trent Lakes | Ballast | Lexington | CFP | Percentage of assets, Hourly |
| Andrew Hermes | Altus Wealth Management | Ft. Mitchell | CFP | Percentage of assets, Hourly |
| Austin Stinson | Altus Wealth Management | Ft. Mitchell | CFP | Percentage of assets, Hourly |
| Derek Schmidt | Altus Wealth Management | Ft. Mitchell | CFP | Percentage of assets, Hourly |
| Jason Stuber | Saling Wealth Advisors | Louisville | CFA | Percentage of assets, Fixed fees |
| Steven O'Connor | Altus Wealth Management | Ft. Mitchell | CFP | Percentage of assets, Hourly |
| William Doepker | Altus Wealth Management | Ft. Mitchell | CFP | Percentage of assets, Hourly |
| John York | ProActive Advisors | Lexington | Not listed | Percentage of assets, One-time planning fee |
| Lawrence York | ProActive Advisors | Lexington | Not listed | Percentage of assets, One-time planning fee |
| Bruce McCrea | Legacy Financial Independent Advisors | Louisville | Not listed | Percentage of assets, Hourly |
| Bryan McCrea | Legacy Financial Independent Advisors | Louisville | Not listed | Percentage of assets, Hourly |
| Catherine Richmond | Ballast | Lexington | Not listed | Percentage of assets, Hourly |
| Jeffrey Lehmann | Ballast | Lexington | Not listed | Percentage of assets, Hourly |
| Kody Williams | Saling Wealth Advisors | Louisville | Not listed | Percentage of assets, Fixed fees |
| Megan Dant | Saling Wealth Advisors | Louisville | Not listed | Percentage of assets, Fixed fees |
| Sheree Bollinger | Legacy Financial Independent Advisors | Louisville | Not listed | Percentage of assets, Hourly |
| Zachary Gutermuth | Legacy Financial Independent Advisors | Louisville | Not listed | Percentage of assets, Hourly |
| Conner Cloyd | Cloyd Capital | Louisville | Not listed | Percentage of assets |
| Christopher Ricketts | Ricketts Financial | Louisville | Not listed | Percentage of assets, Fixed fees |
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