# CFP financial advisors in Kentucky

> In Kentucky, look for a fee-only advisor who holds the CFP certification, the broadest planning credential. You can confirm it on the CFP Board's site. Records to start with include Patrick Lach of Lach Financial, Layton Ginder of CX Institutional (Credent Wealth) and Andrew Sloan of Bluegrass Financial Planning, LLC.

Page: https://find.wellspent.co/by/cfp-financial-advisors/kentucky/
64 fee-only advisors listed; data last updated October 30, 2026.
Fee-only means paid only by clients, never by commissions.

## How do I find fee-only advisors who hold the CFP in Kentucky?

In Kentucky, look for a fee-only advisor who holds the CFP certification, the broadest planning credential. You can confirm it on the CFP Board's site. Records to start with include Patrick Lach of Lach Financial, Layton Ginder of CX Institutional (Credent Wealth) and Andrew Sloan of Bluegrass Financial Planning, LLC.

## How many fee-only advisors who hold the CFP in Kentucky are there?

The Wellspent public graph lists 64 fee-only advisors who hold the CFP in Kentucky, at 41 firms. We counted every advisor record that fits, as of October 2026.

## Where are fee-only advisors who hold the CFP in Kentucky located?

Of the 64 fee-only advisors who hold the CFP in Kentucky, 21 are in Louisville, followed by 17 in Lexington and 5 in Ft. Mitchell.

## How do fee-only advisors who hold the CFP in Kentucky charge?

The most common fee among fee-only advisors who hold the CFP in Kentucky is a percentage of assets, used by 88% of the 64 with fees on file. Many use more than one: 67% charge fixed fees and 50% charge by the hour.

## How many fee-only advisors who hold the CFP in Kentucky hold the CFP?

100% of the 64 fee-only advisors who hold the CFP in Kentucky hold the CFP certification, based on the credentials listed on each record.

## How does Wellspent decide who counts as fee-only advisors who hold the CFP?

We count an advisor here when their record lists the CFP.

## What should I ask fee-only advisors who hold the CFP in Kentucky?

How long have you held the CFP? Does your work cover my full plan, or mainly investments? What's your specialty beyond the CFP? How do you charge?

## How current is this list of fee-only advisors who hold the CFP 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 |
|---|---|---|---|---|
| [Daniel Wrenne](https://find.wellspent.co/advisors/daniel-wrenne.md) | Wrenne Financial Planning | Lexington, Kentucky | CFP, ChFC | Flat fee or retainer, Ongoing planning fee |
| [Tim Witham](https://find.wellspent.co/advisors/tim-witham.md) | Balanced Life Planning LLC | Villa Hills, Kentucky | CFP | Percentage of assets, Ongoing planning fee, Hourly, One-time planning fee |
| [Chris Brown](https://find.wellspent.co/advisors/chris-brown.md) | Scholar Financial | Bowling Green, Kentucky | CFP | Percentage of assets |
| [Ron Rhoades](https://find.wellspent.co/advisors/ron-rhoades.md) | Scholar Financial | Bowling Green, Kentucky | CFP, JD | Percentage of assets |
| [Elijah Essa](https://find.wellspent.co/advisors/elijah-essa.md) | Essa Financial LLC | Louisville, Kentucky | CFP, MSPFP, MSFP | Ongoing planning fee |
| [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 |
| [Erik Geiser](https://find.wellspent.co/advisors/erik-geiser.md) | Geiser Wealth Planning, LLC | Lexington, Kentucky | CFP, MBA | Percentage of assets |
| [Jeremy Atkinson](https://find.wellspent.co/advisors/jeremy-atkinson.md) | Kinson Wealth Group LLC | Louisville, Kentucky | CFP, CKA | Percentage of assets, Hourly, Fixed fees |
| [Stuart Coats](https://find.wellspent.co/advisors/stuart-coats.md) | Coats Financial Planning, Inc. | Louisville, Kentucky | BBA, CFP, MBA | Ongoing planning fee |
| [Layton Ginder](https://find.wellspent.co/advisors/layton-ginder.md) | CX Institutional (Credent Wealth) | Louisville, Kentucky | CFP, CIMA, AWMA, ChFC, AAMS, CLU, CRPC, RICP, QPFC, CFA | Percentage of assets |
| [Casey Fulp](https://find.wellspent.co/advisors/casey-fulp.md) | Carriage House Planning LLC | Fisherville, Kentucky | CFP | Percentage of assets, Fixed fees |
| [Chad Lively](https://find.wellspent.co/advisors/chad-lively.md) | Lively Financial LLC | Newport, Kentucky | CFP, EA | Percentage of assets, Hourly, Fixed fees |
| [Amy Stuber](https://find.wellspent.co/advisors/amy-stuber.md) | Saling Wealth Advisors | Louisville, Kentucky | CFP | Percentage of assets, Fixed fees |
| [Andrew Reynolds](https://find.wellspent.co/advisors/andrew-reynolds.md) | Ballast | Lexington, Kentucky | CFP | Percentage of assets, Hourly, Fixed fees |
| [Brian Burton](https://find.wellspent.co/advisors/brian-burton.md) | Ballast | Lexington, Kentucky | CFP | Percentage of assets, Hourly, Fixed fees |
| [Cameron Hamilton](https://find.wellspent.co/advisors/cameron-hamilton.md) | Ballast | Lexington, Kentucky | CFP | Percentage of assets, Hourly, 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 |
| [Clark Hayden](https://find.wellspent.co/advisors/clark-hayden.md) | Lockshield Partners | Glasgow, Kentucky | CFP | Percentage of assets, Ongoing planning fee |
| [Eric Saling](https://find.wellspent.co/advisors/eric-saling.md) | Saling Wealth Advisors | Louisville, Kentucky | CFP | Percentage of assets, Fixed fees |
| [Fon Rogers](https://find.wellspent.co/advisors/fon-rogers.md) | Equity Advisors of Kentucky | Lexington, Kentucky | CFP | Percentage of assets |
| [Frank Yozwiak](https://find.wellspent.co/advisors/frank-yozwiak.md) | Ballast | Lexington, Kentucky | CFP | Percentage of assets, Hourly, Fixed fees |
| [Jeffrey Gough](https://find.wellspent.co/advisors/jeffrey-gough.md) | Saling Wealth Advisors | Louisville, Kentucky | CFP | Percentage of assets, Fixed fees |
| [John Boardman](https://find.wellspent.co/advisors/john-boardman.md) | Ballast | Lexington, Kentucky | CFP | Percentage of assets, Hourly, 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 |
| [Trent Lakes](https://find.wellspent.co/advisors/trent-lakes.md) | Ballast | Lexington, Kentucky | CFP | Percentage of assets, Hourly, Fixed fees |
| [Amy Jones](https://find.wellspent.co/advisors/amy-jones.md) | Barlow Wealth Partners | Louisville, Kentucky | CFP | Percentage of assets, Hourly, Fixed fees |
| [Kelsey Doren](https://find.wellspent.co/advisors/kelsey-doren.md) | Barlow Wealth Partners | Louisville, Kentucky | CFP | Percentage of assets, Hourly, Fixed fees |
| [Mohua Das](https://find.wellspent.co/advisors/mohua-das.md) | Crimson Oak Wealth Management | Lexington, 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 |
| [Catherine Salsman](https://find.wellspent.co/advisors/catherine-salsman.md) | Paragon Management | Lexington, Kentucky | CFP | Percentage of assets, Fixed fees |
| [Derek Schmidt](https://find.wellspent.co/advisors/derek-schmidt.md) | Altus Wealth Management | Ft. Mitchell, Kentucky | CFP | Percentage of assets, Hourly |
| [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 |
| [Christina O'Bryan](https://find.wellspent.co/advisors/christina-o-bryan.md) | Beacon Asset Management | Owensboro, Kentucky | CFP | Percentage of assets, Hourly, Fixed fees |
| [James Smith](https://find.wellspent.co/advisors/james-smith.md) | Invest | Lexington, Kentucky | CFP | Hourly, Ongoing planning fee |
| [Jeb Jarrell](https://find.wellspent.co/advisors/jeb-jarrell.md) | Plentiful Wealth | Louisville, Kentucky | CFP | Percentage of assets |
| [Patrick Lach](https://find.wellspent.co/advisors/patrick-lach.md) | Lach Financial | Louisville, Kentucky | CFP, CFA | Percentage of assets, Hourly, Ongoing planning fee |
| [Andrew Pulsfort](https://find.wellspent.co/advisors/andrew-pulsfort.md) | The Prosperity People | Bellevue, Kentucky | CFP | Percentage of assets, Hourly, Fixed fees |
| [Derek Merkler](https://find.wellspent.co/advisors/derek-merkler.md) | Trophy Point Financial Planning LLC | Georgetown, Kentucky | CFP | Percentage of assets, Hourly, Fixed fees |
| [Eugene Castle](https://find.wellspent.co/advisors/eugene-castle.md) | Moneywise | Lexington, Kentucky | CFP | Percentage of assets, Hourly, Fixed fees |
| [Joshua Garland](https://find.wellspent.co/advisors/joshua-garland.md) | Shepherd Wealth Management | Independence, Kentucky | CFP, MBA | Percentage of assets, Fixed fees |
| [Michelle Neiswender](https://find.wellspent.co/advisors/michelle-neiswender.md) | FIRE Wealth Management LLC | Mayfield, Kentucky | CFP, MBA | Percentage of assets, Fixed fees |
| [PJ Gibbs](https://find.wellspent.co/advisors/pj-gibbs.md) | Trella Wealth | Bowling Green, Kentucky | CFP | Percentage of assets, Fixed fees |
| [Ryan Stith](https://find.wellspent.co/advisors/ryan-stith.md) | Pivot Point Wealth | Brandenburg, Kentucky | CFP | Percentage of assets, Fixed fees |
| [Shawn Hannegan](https://find.wellspent.co/advisors/shawn-hannegan.md) | Hannegan Wealth Management LLC | Edgewood, Kentucky | CFP, CPA | Percentage of assets, Hourly, Fixed fees |

Showing the first 50 of 64. The full list, page by page: https://find.wellspent.co/by/cfp-financial-advisors/kentucky/?page=2

## 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).