# Financial advisors for tax planning in Kentucky > For tax planning in Kentucky, talk to a fee-only planner who plans tax across years, not one who only looks back at last year's return. Ask whether they prepare returns or work alongside your preparer, because that changes who does what. Records to start with include Andrew Sloan of Bluegrass Financial Planning, LLC, Elijah Essa of Essa Financial LLC and Daniel Wrenne of Wrenne Financial Planning. Page: https://find.wellspent.co/specialties/tax-planning/kentucky/ 53 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 tax planning in Kentucky? For tax planning in Kentucky, talk to a fee-only planner who plans tax across years, not one who only looks back at last year's return. Ask whether they prepare returns or work alongside your preparer, because that changes who does what. Records to start with include Andrew Sloan of Bluegrass Financial Planning, LLC, Elijah Essa of Essa Financial LLC and Daniel Wrenne of Wrenne Financial Planning. - [Andrew Sloan](https://find.wellspent.co/advisors/andrew-sloan/), Bluegrass Financial Planning, LLC, Louisville. Holds the EA and CFP. Fees on file: hourly. - [Elijah Essa](https://find.wellspent.co/advisors/elijah-essa/), Essa Financial LLC, Louisville. Holds the CFP. Fees on file: ongoing planning fee. - [Daniel Wrenne](https://find.wellspent.co/advisors/daniel-wrenne/), Wrenne Financial Planning, Lexington. Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee. - [Ron Rhoades](https://find.wellspent.co/advisors/ron-rhoades/), Scholar Financial, Bowling Green. Holds the CFP. Fees on file: percentage of assets. - [Tim Witham](https://find.wellspent.co/advisors/tim-witham/), Balanced Life Planning LLC, Villa Hills. Holds the CFP. Fees on file: percentage of assets, ongoing planning fee. - [Fon Rogers](https://find.wellspent.co/advisors/fon-rogers/), Equity Advisors of Kentucky, Lexington. Holds the CFP. Fees on file: percentage of assets. ## How many fee-only financial advisors in Kentucky work on tax planning? The Wellspent public graph lists 53 fee-only advisors for tax planning in Kentucky, at 20 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for tax planning in Kentucky located? Of the 53 fee-only advisors for tax planning in Kentucky, 22 are in Lexington, followed by 17 in Louisville and 5 in Ft. Mitchell. ## How do fee-only advisors for tax planning in Kentucky charge? The most common fee among fee-only advisors for tax planning in Kentucky is a percentage of assets, used by 91% of the 53 with fees on file. Many use more than one: 60% charge by the hour and 51% charge fixed fees. ## What credentials should a financial advisor for tax planning have? For tax planning, look for the EA, CPA and CFP. In Kentucky, 49% of the 53 advisors listed hold the CFP. - EA (2% of advisors listed): Enrolled agents are licensed by the IRS and focus on tax. - CPA (2% of advisors listed): CPAs bring broad tax and accounting depth. - CFP (49% of advisors listed): The CFP connects tax decisions to the rest of the plan. ## How do Kentucky advisors for tax planning compare with the rest of the US? 60% of fee-only advisors for tax planning in Kentucky charge by the hour, compared with 41% of the 5,860 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 about tax planning in Kentucky? - Do you prepare my return, or coordinate with my preparer? - Will you give me a written multi-year tax projection? - What tax decisions would you want to make with me before year end? - How do you weigh tax savings against investment risk? - How do you account for local income tax where I live and work? ## How current is this list of fee-only advisors for tax 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. ## 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 | | [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 | | [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 | | [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 | | [Andrew Hermes](https://find.wellspent.co/advisors/andrew-hermes.md) | Altus Wealth Management | Ft. Mitchell, Kentucky | CFP | Percentage of assets, Hourly | | [Austin Stinson](https://find.wellspent.co/advisors/austin-stinson.md) | Altus Wealth Management | Ft. Mitchell, Kentucky | CFP | Percentage of assets, Hourly | | [Catherine Salsman](https://find.wellspent.co/advisors/catherine-salsman.md) | Paragon Management | Lexington, Kentucky | CFP | Percentage of assets, Fixed fees | | [Derek Schmidt](https://find.wellspent.co/advisors/derek-schmidt.md) | Altus Wealth Management | Ft. Mitchell, Kentucky | CFP | Percentage of assets, Hourly | | [Steven O'Connor](https://find.wellspent.co/advisors/steven-o-connor.md) | Altus Wealth Management | Ft. Mitchell, Kentucky | CFP | Percentage of assets, Hourly | | [William Doepker](https://find.wellspent.co/advisors/william-doepker.md) | Altus Wealth Management | Ft. Mitchell, Kentucky | CFP | Percentage of assets, Hourly | | [Christina O'Bryan](https://find.wellspent.co/advisors/christina-o-bryan.md) | Beacon Asset Management | Owensboro, Kentucky | CFP | Percentage of assets, Hourly, 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 | | [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 | | [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 | | [Frank Barlow](https://find.wellspent.co/advisors/frank-barlow.md) | Barlow Wealth Partners | 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 | | [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 | | [Darren Williams](https://find.wellspent.co/advisors/darren-williams.md) | Wallace Hart Capital Management | Lexington, Kentucky | | Percentage of assets, Performance-based fees | | [Dylan Jones](https://find.wellspent.co/advisors/dylan-jones.md) | Paragon Management | Lexington, Kentucky | | Percentage of assets, Fixed fees | | [Emily Johns](https://find.wellspent.co/advisors/emily-johns.md) | Paragon Management | Lexington, Kentucky | | Percentage of assets, Fixed fees | Showing the first 50 of 53. The full list, page by page: https://find.wellspent.co/specialties/tax-planning/kentucky/?page=2 ## 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) - [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) - [Small business owners in Kentucky](https://find.wellspent.co/specialties/small-business-owners/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).