# Financial advisors for retirees in Kentucky > For retirees in Kentucky, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include Andrew Sloan of Bluegrass Financial Planning, LLC, Jeremiah Creech of Townsend Financial Planning, LLC and Stuart Coats of Coats Financial Planning, Inc.. Page: https://find.wellspent.co/audiences/retirees/kentucky/ 34 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to as a retiree in Kentucky? For retirees in Kentucky, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include Andrew Sloan of Bluegrass Financial Planning, LLC, Jeremiah Creech of Townsend Financial Planning, LLC and Stuart Coats of Coats Financial Planning, Inc.. - [Andrew Sloan](https://find.wellspent.co/advisors/andrew-sloan/), Bluegrass Financial Planning, LLC, Louisville. Holds the CFP and EA. Fees on file: hourly. - [Jeremiah Creech](https://find.wellspent.co/advisors/jeremiah-creech/), Townsend Financial Planning, LLC, Louisville. Holds the CFP. Fees on file: percentage of assets, one-time planning fee. - [Stuart Coats](https://find.wellspent.co/advisors/stuart-coats/), Coats Financial Planning, Inc., Louisville. Holds the CFP. Fees on file: ongoing planning fee. - [Derek Schmidt](https://find.wellspent.co/advisors/derek-schmidt/), Altus Wealth Management, Ft. Mitchell. Holds the CFP. Fees on file: percentage of assets, hourly. - [Eric Saling](https://find.wellspent.co/advisors/eric-saling/), Saling Wealth Advisors, Louisville. Holds the CFP. Fees on file: percentage of assets, fixed fees. - [Christopher McCrea](https://find.wellspent.co/advisors/christopher-mccrea/), Legacy Financial Independent Advisors, Louisville. Holds the CFP. Fees on file: percentage of assets, hourly. ## How many fee-only financial advisors in Kentucky work with retirees? The Wellspent public graph lists 34 fee-only advisors for retirees in Kentucky, at 12 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for retirees in Kentucky located? Of the 34 fee-only advisors for retirees in Kentucky, 21 are in Louisville, followed by 8 in Lexington and 5 in Ft. Mitchell. ## How do fee-only advisors for retirees in Kentucky charge? The most common fee among fee-only advisors for retirees in Kentucky is a percentage of assets, used by 94% of the 34 with fees on file. Many use more than one: 53% charge fixed fees and 44% charge by the hour. ## What credentials should a financial advisor for retirees have? For retirees, look for the CFP and EA. In Kentucky, 47% of the 34 advisors listed hold the CFP. - CFP (47% of advisors listed): The CFP covers tax, insurance, and estate decisions together. - EA (3% of advisors listed): Enrolled agents help with RMDs and Medicare surcharges. ## How do Kentucky advisors for retirees compare with the rest of the US? 53% of fee-only advisors for retirees in Kentucky charge fixed fees, compared with 44% of the 3,334 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## 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 as a retiree in Kentucky? - How much can I spend each year, and how will you adjust it? - How do you plan around RMDs and Medicare premiums? - How would you pay for long-term care if I needed it? - What happens if I can't manage this myself, or my spouse dies first? - How does Kentucky tax each source of my retirement income? ## How current is this list of fee-only advisors for retirees 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. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Jeremiah Creech](https://find.wellspent.co/advisors/jeremiah-creech.md) | Townsend Financial Planning, LLC | Louisville, Kentucky | CFP | Percentage of assets, One-time planning fee | | [Andrew Sloan](https://find.wellspent.co/advisors/andrew-sloan.md) | Bluegrass Financial Planning, LLC | Louisville, Kentucky | AIF, CFP, EA, MBA | Hourly | | [Gregory Curry](https://find.wellspent.co/advisors/gregory-curry.md) | Pillar Financial Advisors, LLC | Louisville, Kentucky | CFA, CPA/PFS | Percentage of assets, Fixed fees | | [Stuart Coats](https://find.wellspent.co/advisors/stuart-coats.md) | Coats Financial Planning, Inc. | Louisville, Kentucky | BBA, CFP, MBA | Ongoing planning fee | | [Amy Stuber](https://find.wellspent.co/advisors/amy-stuber.md) | Saling Wealth Advisors | Louisville, Kentucky | CFP | Percentage of assets, Fixed fees | | [Christian Doyle](https://find.wellspent.co/advisors/christian-doyle.md) | Saling Wealth Advisors | Louisville, Kentucky | CFP | Percentage of assets, Fixed fees | | [Christopher McCrea](https://find.wellspent.co/advisors/christopher-mccrea.md) | Legacy Financial Independent Advisors | Louisville, Kentucky | CFP | Percentage of assets, Hourly, Fixed fees | | [Eric Saling](https://find.wellspent.co/advisors/eric-saling.md) | Saling Wealth Advisors | Louisville, Kentucky | CFP | Percentage of assets, Fixed fees | | [Jeffrey Gough](https://find.wellspent.co/advisors/jeffrey-gough.md) | Saling Wealth Advisors | Louisville, Kentucky | CFP | Percentage of assets, Fixed fees | | [Noah Polk](https://find.wellspent.co/advisors/noah-polk.md) | Saling Wealth Advisors | Louisville, Kentucky | CFP | Percentage of assets, Fixed fees | | [Tendai Charasika](https://find.wellspent.co/advisors/tendai-charasika.md) | Saling Wealth Advisors | Louisville, Kentucky | CFP | Percentage of assets, Fixed fees | | [Thomas Falkner](https://find.wellspent.co/advisors/thomas-falkner.md) | Legacy Financial Independent Advisors | Louisville, Kentucky | CFP | Percentage of assets, Hourly, Fixed fees | | [Andrew Hermes](https://find.wellspent.co/advisors/andrew-hermes.md) | Altus Wealth Management | Ft. Mitchell, Kentucky | CFP | Percentage of assets, Hourly | | [Austin Stinson](https://find.wellspent.co/advisors/austin-stinson.md) | Altus Wealth Management | Ft. Mitchell, Kentucky | CFP | Percentage of assets, Hourly | | [Derek Schmidt](https://find.wellspent.co/advisors/derek-schmidt.md) | Altus Wealth Management | Ft. Mitchell, Kentucky | CFP | Percentage of assets, Hourly | | [Jason Stuber](https://find.wellspent.co/advisors/jason-stuber.md) | Saling Wealth Advisors | Louisville, Kentucky | CFA | Percentage of assets, Fixed fees | | [Steven O'Connor](https://find.wellspent.co/advisors/steven-o-connor.md) | Altus Wealth Management | Ft. Mitchell, Kentucky | CFP | Percentage of assets, Hourly | | [William Doepker](https://find.wellspent.co/advisors/william-doepker.md) | Altus Wealth Management | Ft. Mitchell, Kentucky | CFP | Percentage of assets, Hourly | | [John York](https://find.wellspent.co/advisors/john-york-7305948.md) | ProActive Advisors | Lexington, Kentucky | | Percentage of assets, One-time planning fee, Hourly | | [Lawrence York](https://find.wellspent.co/advisors/lawrence-york.md) | ProActive Advisors | Lexington, Kentucky | | Percentage of assets, One-time planning fee, Hourly | | [Bruce McCrea](https://find.wellspent.co/advisors/bruce-mccrea.md) | Legacy Financial Independent Advisors | Louisville, Kentucky | | Percentage of assets, Hourly, Fixed fees | | [Bryan McCrea](https://find.wellspent.co/advisors/bryan-mccrea.md) | Legacy Financial Independent Advisors | Louisville, Kentucky | | Percentage of assets, Hourly, Fixed fees | | [Kody Williams](https://find.wellspent.co/advisors/kody-williams.md) | Saling Wealth Advisors | Louisville, Kentucky | | Percentage of assets, Fixed fees | | [Megan Dant](https://find.wellspent.co/advisors/megan-dant.md) | Saling Wealth Advisors | Louisville, Kentucky | | Percentage of assets, Fixed fees | | [Sheree Bollinger](https://find.wellspent.co/advisors/sheree-bollinger.md) | Legacy Financial Independent Advisors | Louisville, Kentucky | | Percentage of assets, Hourly, Fixed fees | | [Zachary Gutermuth](https://find.wellspent.co/advisors/zachary-gutermuth.md) | Legacy Financial Independent Advisors | Louisville, Kentucky | | Percentage of assets, Hourly, Fixed fees | | [Conner Cloyd](https://find.wellspent.co/advisors/conner-cloyd.md) | Cloyd Capital | Louisville, Kentucky | | Percentage of assets | | [Brandon Smith](https://find.wellspent.co/advisors/brandon-smith-7972265.md) | Wallace Hart Capital Management | Lexington, Kentucky | | Percentage of assets, Performance-based fees | | [Christopher Ricketts](https://find.wellspent.co/advisors/christopher-ricketts.md) | Ricketts Financial | Louisville, Kentucky | | Percentage of assets, Fixed fees | | [Darren Williams](https://find.wellspent.co/advisors/darren-williams.md) | Wallace Hart Capital Management | Lexington, Kentucky | | Percentage of assets, Performance-based fees | | [Jeremy Wallace](https://find.wellspent.co/advisors/jeremy-wallace.md) | Wallace Hart Capital Management | Lexington, Kentucky | | Percentage of assets, Performance-based fees | | [Jessica Bedell](https://find.wellspent.co/advisors/jessica-bedell.md) | Wallace Hart Capital Management | Lexington, Kentucky | | Percentage of assets, Performance-based fees | | [Michael Hart](https://find.wellspent.co/advisors/michael-hart.md) | Wallace Hart Capital Management | Lexington, Kentucky | | Percentage of assets, Performance-based fees | | [Warren Leet](https://find.wellspent.co/advisors/warren-leet.md) | Blue Castle Wealth | Lexington, Kentucky | | Percentage of assets, Hourly, Fixed fees | ## Related - [Retirement planning in Kentucky](https://find.wellspent.co/specialties/retirement-planning/kentucky.md) - [Estate planning in Kentucky](https://find.wellspent.co/specialties/estate-planning/kentucky.md) - [Tax planning in Kentucky](https://find.wellspent.co/specialties/tax-planning/kentucky.md) - [Pre-retirees in Kentucky](https://find.wellspent.co/audiences/pre-retirees/kentucky.md) - [Founders in Kentucky](https://find.wellspent.co/specialties/founders-pre-exit/kentucky.md) - [Small business owners in Kentucky](https://find.wellspent.co/specialties/small-business-owners/kentucky.md) ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).