Coats Financial Planning
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About
Coats Financial Planning provides fee-only financial planning and investment management to individuals, trusts, estates, and small businesses. The firm advises both typical individual clients and high-net-worth households and does not sell commission products or accept referral fees.
Instead of charging a percentage-of-assets-under-management, Coats uses an ongoing retainer model determined by an assessment of client complexity and provides periodic reviews, typically once or twice a year; trades generally require client authorization except where limited trading authorization exists with certain custodians. Investment approach emphasizes asset allocation and a long-term, buy-and-hold orientation, with core holdings in no‑load mutual funds and exchange-traded funds, including passive index funds.
Distinctive features include a multi-advisor team made up largely of CFP practitioners who are NAPFA members and operate under a fee-only code of ethics, and the firm’s use of advisor relationships with custodians to access institutional platforms while avoiding commission arrangements. A subset of staff maintain dual registrations with another advisory firm (Belle Trace LLC), the firm does not use performance-based fees or act as custodian for client assets, and it generally does not provide continuous portfolio monitoring.
Client services
Expertise
Fee options
Annual retainer fee billed monthly; minimum $6,000 per year, no maximum cap
Minimum fee: Minimum annual fee of $6,000 Fee-only: Fee-only financial planning and investment management under a flat-fee retainer arrangement
Main office
See office139 S. English Station Road, Suite 230
Louisville KY 40245-3997
Advisors at this office
4
Offices (2)
Most active in
Florida · Indiana · Kentucky · Texas
Also doing business as
Coats Financial Planning · Coats Financial Planning, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
Tabitha T
CFP®, Series 65
Louisville, KY
Coats Financial Planning
Tabitha Tiefermann is a CFP® professional with four years of industry experience, currently serving at Coats Financial Planning in Louisville, KY. Her work history includes positions at Coats Financial Planning, Belle Trace Financial Planning, E/Financial Alliance, and Western Kentucky University Center for Financial Success. Coats Financial Planning is a fee-only firm serving individuals, trusts, estates, and small businesses, including high-net-worth households. The firm uses a retainer model based on client complexity and emphasizes a long-term, buy-and-hold investment strategy with core holdings in no-load mutual funds and passive index ETFs.
Emily B
CFP®
Louisville, KY
Coats Financial Planning
Emily Beilman is a CFP® at Coats Financial Planning in Louisville, KY, with three years of industry experience. Her career includes roles at Belle Trace Financial Planning and Plancorp, LLC. Coats Financial Planning provides fee-only financial planning and investment management to individuals, trusts, estates, and small businesses, using a retainer fee model and emphasizing asset allocation with a long-term, buy-and-hold investment approach.
Anna C
Series 65
Louisville, KY
Coats Financial Planning
Anna Coats is a financial advisor with Coats Financial Planning in Louisville, KY, holding a Series 65 designation and 10 years of industry experience. She has worked at Coats Financial Planning since 2014 and is also the owner and principal of Via Lata, LLC, a small supply chain operations and compliance consulting firm. Additionally, she serves on the board of directors for the Valencia Villas at Landis Lakes Homeowners Association in an unpaid capacity. Coats Financial Planning is a fee-only firm that provides financial planning and investment management to individuals, trusts, estates, and small businesses. The firm emphasizes a long-term, buy-and-hold investment approach with an asset allocation focus and serves both typical individual clients and high-net-worth households.
Stuart C
CFP®, Series 65
Louisville, KY
Coats Financial Planning
Stuart Coats is a CFP® and Series 65-licensed financial advisor with 20 years of industry experience. He has been with Coats Financial Planning since 2000. The firm provides fee-only financial planning and investment management services to individuals, trusts, estates, and small businesses. Coats Financial Planning serves both typical individual clients and high-net-worth households, employing a retainer-based fee model and an investment approach focused on asset allocation and long-term, buy-and-hold strategies using no-load mutual funds and passive index ETFs.
Teresa C
CFP®, Series 65
Dunnellon, FL
Coats Financial Planning
Teresa Christensen is a CFP® professional with 15 years of industry experience. She operates Christensen Consulting, a sole proprietorship through which she contracts exclusively with Coats Financial Planning. Christensen works from Dunnellon, FL, and meets with clients in Kentucky quarterly. Coats Financial Planning is a fee-only firm serving individuals, trusts, estates, and small businesses. The firm employs a retainer model focused on asset allocation and long-term, buy-and-hold strategies with core holdings in no-load mutual funds and ETFs.
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