# Financial advisors for retirement planning in Louisville, Kentucky > For retirement planning in Louisville, 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, Elijah Essa of Essa Financial LLC and Jeremiah Creech of Townsend Financial Planning, LLC. Page: https://find.wellspent.co/specialties/retirement-planning/kentucky/louisville/ 35 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 about retirement planning in Louisville? For retirement planning in Louisville, 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, Elijah Essa of Essa Financial LLC and Jeremiah Creech of Townsend Financial Planning, LLC. - [Andrew Sloan](https://find.wellspent.co/advisors/andrew-sloan/), Bluegrass Financial Planning, LLC, Louisville City. Holds the CFP and EA. Fees on file: hourly. - [Elijah Essa](https://find.wellspent.co/advisors/elijah-essa/), Essa Financial LLC, Louisville City. Holds the CFP. Fees on file: ongoing planning fee. - [Jeremiah Creech](https://find.wellspent.co/advisors/jeremiah-creech/), Townsend Financial Planning, LLC, Louisville City. 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 City. Holds the CFP. Fees on file: ongoing planning fee. - [Christopher McCrea](https://find.wellspent.co/advisors/christopher-mccrea/), Legacy Financial Independent Advisors, Louisville City. Holds the CFP. Fees on file: percentage of assets, hourly. - [Amy Jones](https://find.wellspent.co/advisors/amy-jones/), Barlow Wealth Partners, Louisville City. Holds the CFP. Fees on file: percentage of assets, hourly. ## How many fee-only financial advisors in Louisville work on retirement planning? The Wellspent public graph lists 35 fee-only advisors for retirement planning in Louisville, at 12 firms. We counted every advisor record that lists this work, as of October 2026. ## How do fee-only advisors for retirement planning in Louisville charge? The most common fee among fee-only advisors for retirement planning in Louisville is a percentage of assets, used by 91% of the 35 with fees on file. Many use more than one: 69% charge fixed fees and 40% 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 Louisville, 40% of the 35 advisors listed hold the CFP. - CFP (40% of advisors listed): The CFP covers income, tax, insurance, and estate decisions together. - EA (3% of advisors listed): Enrolled agents help with Roth conversions and withdrawal order. - CPA (3% of advisors listed): CPAs help with the tax side of withdrawals. ## How do Louisville advisors for retirement planning compare with the rest of the US? 69% of fee-only advisors for retirement planning in Louisville charge fixed fees, compared with 47% of the 7,304 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 about retirement planning in Louisville? - 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 Louisville? 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 | |---|---|---|---|---| | [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 | | [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 | | [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 | | [Jason Stuber](https://find.wellspent.co/advisors/jason-stuber.md) | Saling Wealth Advisors | Louisville, Kentucky | CFA | Percentage of assets, 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 | | [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 | | [Barry Barlow](https://find.wellspent.co/advisors/barry-barlow.md) | Barlow Wealth Partners | Louisville, Kentucky | | Percentage of assets, Hourly, Fixed fees | | [Christine Book](https://find.wellspent.co/advisors/christine-book.md) | Barlow Wealth Partners | Louisville, Kentucky | | Percentage of assets, Hourly, Fixed fees | | [Christopher McIntosh](https://find.wellspent.co/advisors/christopher-mcintosh.md) | Barlow Wealth Partners | 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 | | [Frank Barlow](https://find.wellspent.co/advisors/frank-barlow.md) | Barlow Wealth Partners | Louisville, Kentucky | | 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 | | [Christopher Ricketts](https://find.wellspent.co/advisors/christopher-ricketts.md) | Ricketts Financial | Louisville, Kentucky | | Percentage of assets, Fixed fees | | [Earl Winebrenner](https://find.wellspent.co/advisors/earl-winebrenner.md) | Winebrenner Capital Management | Louisville, Kentucky | | Percentage of assets, Performance-based fees | | [Krista Thompson](https://find.wellspent.co/advisors/krista-thompson.md) | Winebrenner Capital Management | Louisville, Kentucky | | Percentage of assets, Performance-based fees | | [Luke Lyle](https://find.wellspent.co/advisors/luke-lyle.md) | Winebrenner Capital Management | Louisville, Kentucky | | Percentage of assets, Performance-based fees | | [Martin Winebrenner](https://find.wellspent.co/advisors/martin-winebrenner.md) | Winebrenner Capital Management | Louisville, Kentucky | | Percentage of assets, Performance-based fees | | [Peyton Hazelrig](https://find.wellspent.co/advisors/peyton-hazelrig.md) | Winebrenner Capital Management | Louisville, Kentucky | | Percentage of assets, Performance-based fees | | [Rebekah Ellis](https://find.wellspent.co/advisors/rebekah-ellis.md) | Winebrenner Capital Management | Louisville, Kentucky | | Percentage of assets, Performance-based fees | ## Related - [Estate planning in Louisville](https://find.wellspent.co/specialties/estate-planning/kentucky/louisville.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).