# Financial advisors for small business owners in Kentucky > For small business owners in Kentucky, talk to a fee-only planner who treats the business and the household as one balance sheet. Look for someone who can speak to entity choice, owner pay, and retirement plans for the company, not only your personal accounts. Records to start with include Fon Rogers of Equity Advisors of Kentucky, Trent Lakes of Ballast and Andrew Pulsfort of The Prosperity People. Page: https://find.wellspent.co/specialties/small-business-owners/kentucky/ 34 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 as a small business owner in Kentucky? For small business owners in Kentucky, talk to a fee-only planner who treats the business and the household as one balance sheet. Look for someone who can speak to entity choice, owner pay, and retirement plans for the company, not only your personal accounts. Records to start with include Fon Rogers of Equity Advisors of Kentucky, Trent Lakes of Ballast and Andrew Pulsfort of The Prosperity People. - [Fon Rogers](https://find.wellspent.co/advisors/fon-rogers/), Equity Advisors of Kentucky, Lexington. Holds the CFP. Fees on file: percentage of assets. - [Trent Lakes](https://find.wellspent.co/advisors/trent-lakes/), Ballast, Lexington. Holds the CFP. Fees on file: percentage of assets, hourly. - [Andrew Pulsfort](https://find.wellspent.co/advisors/andrew-pulsfort/), The Prosperity People, Bellevue. Holds the CFP. Fees on file: percentage of assets, hourly. - [Amy Stuber](https://find.wellspent.co/advisors/amy-stuber/), Saling Wealth Advisors, Louisville. Holds the CFP. Fees on file: percentage of assets, fixed fees. - [Christopher McCrea](https://find.wellspent.co/advisors/christopher-mccrea/), Legacy Financial Independent Advisors, Louisville. Holds the CFP. Fees on file: percentage of assets, hourly. - [Jeremy Atkinson](https://find.wellspent.co/advisors/jeremy-atkinson/), Kinson Wealth Group LLC, Louisville. Holds the CFP. Fees on file: percentage of assets, hourly. ## How many fee-only financial advisors in Kentucky work with small business owners? The Wellspent public graph lists 34 fee-only advisors for small business owners in Kentucky, at 9 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for small business owners in Kentucky located? Of the 34 fee-only advisors for small business owners in Kentucky, 16 are in Louisville, followed by 12 in Lexington and 4 in Bellevue. ## How do fee-only advisors for small business owners in Kentucky charge? The most common fee among fee-only advisors for small business owners in Kentucky is a percentage of assets, used by 100% of the 34 with fees on file. Many use more than one: 85% charge fixed fees and 65% charge by the hour. ## What credentials should a financial advisor for small business owners have? For small business owners, look for the CFP. In Kentucky, 50% of the 34 advisors listed hold the CFP. - CFP (50% of advisors listed): The CFP keeps the business in the wider plan. ## How do Kentucky advisors for small business owners compare with the rest of the US? 85% of fee-only advisors for small business owners in Kentucky charge fixed fees, compared with 52% of the 2,851 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does Kentucky tax income on top of federal tax? Yes. Kentucky has a state income tax, so a financial plan for a Kentucky resident should project it alongside federal tax. ## Is there a local income tax in Kentucky? Yes. In Kentucky, many cities and counties add an occupational tax. ## What should I ask a financial advisor as a small business owner in Kentucky? - Which retirement plan would you set up for my business, and why? - How would you set my salary against distributions? - How much of my net worth should stay in the business? - How do you plan for an eventual sale or succession? - How do you account for local income tax where I live and work? ## How current is this list of fee-only advisors for small business owners 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 | |---|---|---|---|---| | [Jeremy Atkinson](https://find.wellspent.co/advisors/jeremy-atkinson.md) | Kinson Wealth Group LLC | Louisville, Kentucky | CFP, CKA | 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 | | [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 | | [Jason Stuber](https://find.wellspent.co/advisors/jason-stuber.md) | Saling Wealth Advisors | Louisville, Kentucky | CFA | Percentage of assets, Fixed fees | | [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 | | [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 | | [Jeffrey Lehmann](https://find.wellspent.co/advisors/jeffrey-lehmann.md) | Ballast | Lexington, Kentucky | | Percentage of assets, Hourly, Fixed fees | | [Kenneth Littrell](https://find.wellspent.co/advisors/kenneth-littrell.md) | Equity Advisors of Kentucky | Lexington, Kentucky | | Percentage of assets | | [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 | | [Robert McKay](https://find.wellspent.co/advisors/robert-mckay.md) | Nautical Star Financial | Fort Mitchell, Kentucky | | Percentage of assets, Hourly, Fixed fees | | [Mackey McNeill](https://find.wellspent.co/advisors/mackey-mcneill.md) | The Prosperity People | Bellevue, Kentucky | PFS | Percentage of assets, Hourly, Fixed fees | | [Michael Scheel](https://find.wellspent.co/advisors/michael-scheel.md) | Profolio Investments | Union, Kentucky | | Percentage of assets, Ongoing planning fee | | [Anjana Batra](https://find.wellspent.co/advisors/anjana-batra.md) | The Prosperity People | Bellevue, Kentucky | | Percentage of assets, Hourly, Fixed fees | | [John Nunan](https://find.wellspent.co/advisors/john-nunan.md) | The Prosperity People | Bellevue, Kentucky | | Percentage of assets, Hourly, Fixed fees | ## Related - [Retirement planning in Kentucky](https://find.wellspent.co/specialties/retirement-planning/kentucky.md) - [Estate planning in Kentucky](https://find.wellspent.co/specialties/estate-planning/kentucky.md) - [Tax planning in Kentucky](https://find.wellspent.co/specialties/tax-planning/kentucky.md) - [Pre-retirees in Kentucky](https://find.wellspent.co/audiences/pre-retirees/kentucky.md) - [Retirees in Kentucky](https://find.wellspent.co/audiences/retirees/kentucky.md) - [Founders in Kentucky](https://find.wellspent.co/specialties/founders-pre-exit/kentucky.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).