# Flat-fee financial advisors in Kentucky > In Kentucky, look for a fee-only advisor who quotes a set price rather than a percentage of your assets. Ask for that price in dollars, because many firms offer fixed fees alongside asset-based fees. 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/flat-fee-financial-advisors/kentucky/ 125 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 charge flat or fixed fees in Kentucky? In Kentucky, look for a fee-only advisor who quotes a set price rather than a percentage of your assets. Ask for that price in dollars, because many firms offer fixed fees alongside asset-based fees. 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 who charge flat or fixed fees in Kentucky are there? The Wellspent public graph lists 125 fee-only advisors who charge flat or fixed fees in Kentucky, at 66 firms. We counted every advisor record that fits, as of October 2026. ## Where are fee-only advisors who charge flat or fixed fees in Kentucky located? Of the 125 fee-only advisors who charge flat or fixed fees in Kentucky, 47 are in Louisville, followed by 35 in Lexington and 5 in Nicholasville. ## How do fee-only advisors who charge flat or fixed fees in Kentucky charge? The most common fee among fee-only advisors who charge flat or fixed fees in Kentucky is a percentage of assets, used by 89% of the 125 with fees on file. Many use more than one: 76% charge fixed fees and 50% charge by the hour. ## How many fee-only advisors who charge flat or fixed fees in Kentucky hold the CFP? 46% of the 125 fee-only advisors who charge flat or fixed fees 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 charge flat or fixed fees? We count an advisor here when their listing shows a flat fee, or their firm's Form ADV says it charges fixed fees. Many of these firms also charge on assets. ## What should I ask fee-only advisors who charge flat or fixed fees in Kentucky? What is the price in dollars, and what does it include? Will the fee rise as my assets grow? Do you manage investments, or advise on accounts I keep? Is the flat fee your main model, or an option next to asset-based fees? ## How current is this list of fee-only advisors who charge flat or fixed fees 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 | | [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 | | [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 | | [David Dedman](https://find.wellspent.co/advisors/david-dedman.md) | Pulse Wealth | Lexington, Kentucky | ChFC | Flat fee or retainer, 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 | | [Catherine Salsman](https://find.wellspent.co/advisors/catherine-salsman.md) | Paragon Management | Lexington, Kentucky | CFP | Percentage of assets, Fixed fees | | [Jason Stuber](https://find.wellspent.co/advisors/jason-stuber.md) | Saling Wealth Advisors | Louisville, Kentucky | CFA | Percentage of assets, 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 | | [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 | | [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 | Showing the first 50 of 125. The full list, page by page: https://find.wellspent.co/by/flat-fee-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).