Financial advisors for retirement planning in Kentucky
Which financial advisor should I talk to about retirement planning in Kentucky?
For retirement planning in Kentucky, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Andrew Sloan of Bluegrass Financial Planning, LLC, James Smith of Invest and Daniel Wrenne of Wrenne Financial Planning.
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.
- James Smith Invest, Lexington Holds the CFP. Fees on file: hourly, ongoing planning fee.
- Daniel Wrenne Wrenne Financial Planning, Lexington Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee.
- Elijah Essa Essa Financial LLC, 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.
- Ron Rhoades Scholar Financial, Bowling Green Holds the CFP. Fees on file: percentage of assets.
How many fee-only financial advisors in Kentucky work on retirement planning?
The Wellspent public graph lists 73 fee-only advisors for retirement planning in Kentucky, at 25 firms. We counted every advisor record that lists this work, as of October 2026.
Where are fee-only advisors for retirement planning in Kentucky located?
Of the 73 fee-only advisors for retirement planning in Kentucky, 35 are in Louisville, followed by 26 in Lexington and 5 in Ft. Mitchell.
Plus 1 in other cities.
How do fee-only advisors for retirement planning in Kentucky charge?
The most common fee among fee-only advisors for retirement planning in Kentucky is a percentage of assets, used by 88% of the 73 with fees on file. Many use more than one: 51% charge fixed fees and 49% charge by the hour.
What credentials should a financial advisor for retirement planning have?
For retirement planning, look for the CFP, EA and CPA. In Kentucky, 45% of the 73 advisors listed hold the CFP.
- CFP45% in Kentucky
- The CFP covers income, tax, insurance, and estate decisions together.
- EA1% in Kentucky
- Enrolled agents help with Roth conversions and withdrawal order.
- CPA1% in Kentucky
- CPAs help with the tax side of withdrawals.
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 about retirement planning in Kentucky?
- How do you decide which accounts I draw from first?
- When would you have me claim Social Security, and why?
- How do you handle a bad market in my first years of retirement?
- Will you run Roth conversion scenarios for me each year?
- How does Kentucky tax each source of my retirement income?
How current is this list of fee-only advisors for retirement planning 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 73 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Daniel Wrenne | Wrenne Financial Planning | Lexington | CFP, ChFC | Flat fee or retainer, Ongoing planning fee |
| Tim Witham | Balanced Life Planning LLC | Villa Hills | CFP | Percentage of assets, Ongoing planning fee |
| Chris Brown | Scholar Financial | Bowling Green | CFP | Percentage of assets |
| Ron Rhoades | Scholar Financial | Bowling Green | CFP, JD | Percentage of assets |
| Elijah Essa | Essa Financial LLC | Louisville | CFP, MSPFP, MSFP | Ongoing planning fee |
| 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 |
| Clark Hayden | Lockshield Partners | Glasgow | CFP | Percentage of assets, Ongoing planning fee |
| David Dedman | Pulse Wealth | Lexington | ChFC | Flat fee or retainer, Ongoing planning fee |
| 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 |
| Amy Jones | Barlow Wealth Partners | Louisville | CFP | Percentage of assets, Hourly |
| Kelsey Doren | Barlow Wealth Partners | Louisville | CFP | Percentage of assets, Hourly |
| Mohua Das | Crimson Oak Wealth Management | 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 |
| Catherine Salsman | Paragon Management | Lexington | CFP | Percentage of assets, Fixed fees |
| 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 |
| James Smith | Invest | Lexington | CFP | Hourly, Ongoing planning fee |
| 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 |
| Daniel Klein | Lockshield Partners | Glasgow | Not listed | Percentage of assets, Ongoing planning fee |
| Jeffrey Lehmann | Ballast | Lexington | Not listed | Percentage of assets, Hourly |
| Jeremiah Harston | Lockshield Partners | Glasgow | Not listed | Percentage of assets, Ongoing planning fee |
| John Klein | Lockshield Partners | Glasgow | Not listed | Percentage of assets, Ongoing planning fee |
| 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 |
| Barry Barlow | Barlow Wealth Partners | Louisville | Not listed | Percentage of assets, Hourly |
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