# Advisors for under $500,000 in Kentucky > In Kentucky, look for a fee-only firm whose typical client looks like you, since that's who its process is built for. A firm's average account is a better guide than a stated minimum, which many firms never publish. Records to start with include Layton Ginder of CX Institutional (Credent Wealth), Andrew Sloan of Bluegrass Financial Planning, LLC and Patrick Lach of Lach Financial. Page: https://find.wellspent.co/by/financial-advisors-under-500k/kentucky/ 108 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 for under $500,000 in Kentucky? In Kentucky, look for a fee-only firm whose typical client looks like you, since that's who its process is built for. A firm's average account is a better guide than a stated minimum, which many firms never publish. Records to start with include Layton Ginder of CX Institutional (Credent Wealth), Andrew Sloan of Bluegrass Financial Planning, LLC and Patrick Lach of Lach Financial. ## How many fee-only advisors for under $500,000 in Kentucky are there? The Wellspent public graph lists 108 fee-only advisors for under $500,000 in Kentucky, at 60 firms. We counted every advisor record that fits, as of October 2026. These are advisors at firms whose average account is under $500,000. ## Where are fee-only advisors for under $500,000 in Kentucky located? Of the 108 fee-only advisors for under $500,000 in Kentucky, 34 are in Lexington, followed by 32 in Louisville and 4 in Bowling Green. ## How do fee-only advisors for under $500,000 in Kentucky charge? The most common fee among fee-only advisors for under $500,000 in Kentucky is a percentage of assets, used by 92% of the 108 with fees on file. Many use more than one: 58% charge fixed fees and 48% charge by the hour. ## How many fee-only advisors for under $500,000 in Kentucky hold the CFP? 41% of the 108 fee-only advisors for under $500,000 in Kentucky hold the CFP certification, based on the credentials listed on each record. ## How does Wellspent decide who counts as fee-only advisors for under $500,000? We divide the assets each firm reports on its Form ADV by its number of accounts. It's an average per account, so a household with several accounts may hold more. ## What should I ask fee-only advisors for under $500,000 in Kentucky? Do you work with people who have about what I have? Do you have a minimum fee, even without an asset minimum? What would I pay in dollars each year? What's the size of your typical client? ## How current is this list of fee-only advisors for under $500,000 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 | | [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 | | [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 | | [Gregory Curry](https://find.wellspent.co/advisors/gregory-curry.md) | Pillar Financial Advisors, LLC | Louisville, Kentucky | CFA, CPA/PFS | Percentage of assets, Fixed fees | | [Jeremy Atkinson](https://find.wellspent.co/advisors/jeremy-atkinson.md) | Kinson Wealth Group LLC | Louisville, Kentucky | CFP, CKA | Percentage of assets, Hourly, Fixed fees | | [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 | | [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 | | [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 | | [David Dedman](https://find.wellspent.co/advisors/david-dedman.md) | Pulse Wealth | Lexington, Kentucky | ChFC | Flat fee or retainer, Ongoing planning fee | | [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 | | [John Boardman](https://find.wellspent.co/advisors/john-boardman.md) | Ballast | Lexington, Kentucky | CFP | Percentage of assets, Hourly, 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 | | [Mohua Das](https://find.wellspent.co/advisors/mohua-das.md) | Crimson Oak Wealth Management | Lexington, Kentucky | CFP | Percentage of assets, Hourly, Fixed fees | | [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 | | [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 | | [Catherine Richmond](https://find.wellspent.co/advisors/catherine-richmond.md) | Ballast | Lexington, Kentucky | | Percentage of assets, Hourly, Fixed fees | | [Daniel Klein](https://find.wellspent.co/advisors/daniel-klein.md) | Lockshield Partners | Glasgow, Kentucky | | Percentage of assets, Ongoing planning fee | | [Jeffrey Lehmann](https://find.wellspent.co/advisors/jeffrey-lehmann.md) | Ballast | Lexington, Kentucky | | Percentage of assets, Hourly, Fixed fees | | [Jeremiah Harston](https://find.wellspent.co/advisors/jeremiah-harston.md) | Lockshield Partners | Glasgow, Kentucky | | Percentage of assets, Ongoing planning fee | | [John Klein](https://find.wellspent.co/advisors/john-klein.md) | Lockshield Partners | Glasgow, Kentucky | | Percentage of assets, Ongoing planning fee | | [Kenneth Littrell](https://find.wellspent.co/advisors/kenneth-littrell.md) | Equity Advisors of Kentucky | Lexington, Kentucky | | Percentage of assets | | [Sheree Bollinger](https://find.wellspent.co/advisors/sheree-bollinger.md) | Legacy Financial Independent Advisors | Louisville, Kentucky | | Percentage of assets, Hourly, Fixed fees | | [Stephen duBarry](https://find.wellspent.co/advisors/stephen-dubarry.md) | Stewardship Partners Investment Counsel | Olmstead, Kentucky | CFA | Percentage of assets | | [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 | | [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 | | [Robert McKay](https://find.wellspent.co/advisors/robert-mckay.md) | Nautical Star Financial | Fort Mitchell, Kentucky | | Percentage of assets, Hourly, 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 | | [Zachery Price](https://find.wellspent.co/advisors/zachery-price.md) | TSN Wealth & Tax Management | Louisville, Kentucky | | Percentage of assets, Hourly, Fixed fees | | [Brandon Smith](https://find.wellspent.co/advisors/brandon-smith-7972265.md) | Wallace Hart Capital Management | Lexington, Kentucky | | Percentage of assets, Performance-based fees | Showing the first 50 of 108. The full list, page by page: https://find.wellspent.co/by/financial-advisors-under-500k/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).