Coats Financial Planning
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Coats Financial Planning works with individuals, trusts, estates and small businesses, serving both high‑net‑worth and non‑HNW households. The firm provides comprehensive, fee‑only financial planning and investment management services that include cash‑flow and retirement planning, tax and estate considerations, education funding, and investment implementation.
The firm emphasizes asset allocation and a long‑term, buy‑and‑hold investment philosophy, typically using passively managed index mutual funds and exchange‑traded funds as core holdings while adding individual stocks or bonds when appropriate. Accounts are reviewed once or twice a year rather than monitored continuously, and the firm does not generally exercise broad discretionary trading authority, consulting clients before placing trades except where a limited trading authorization is in place.
Coats is notable among peers for not using a percentage‑of‑assets‑under‑management fee model; instead it charges an ongoing flat‑fee retainer derived from a documented complexity assessment. The firm is strictly fee‑only (no commissions or referral fees), maintains advisor relationships with institutional custodians to facilitate trading and account access, and requires all advisors to adhere to NAPFA membership and its associated compliance standards.
Client services
Expertise
Fee options
Minimum fee: Minimum fee of $6,000 per year Fee-only: Annual retainer fee based on complexity assessment, minimum $6,000/year, no maximum; billed monthly
Main office
See office139 S. English Station Road, Suite 230
Louisville KY 40245-3997
Advisors at this office
2
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:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
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
Anna C
Series 65
Louisville, KY
Coats Financial Planning
Anna Coats is a financial advisor at Coats Financial Planning in Louisville, KY, with 10 years of industry experience. She holds a Series 65 designation and has worked at Coats Financial Planning since 2014. She is also the owner and principal of Via Lata Consulting, a small supply chain operations and compliance firm. Additionally, Coats serves on the board of directors for the Valencia Villas at Landis Lakes Homeowners Association. Coats Financial Planning provides comprehensive, fee-only financial planning and investment management services to individuals, trusts, estates, and small businesses, serving both high-net-worth and non-HNW households. The firm follows a long-term, buy-and-hold investment philosophy focused on asset allocation, primarily using passively managed index funds and ETFs, and charges a flat-fee retainer based on complexity rather than a percentage of assets.
Stuart C
CFP®, Series 65
Louisville, KY
Coats Financial Planning
Stuart Coats is a CFP® and holds a Series 65 license with 20 years of industry experience. He has been with Coats Financial Planning since 2000. Coats Financial Planning serves individuals, trusts, estates, and small businesses, working with both high-net-worth and non-HNW households. The firm offers comprehensive, fee-only financial planning and investment management, focusing on asset allocation and a long-term, buy-and-hold approach using primarily passively managed index funds and ETFs.
Teresa C
CFP®, Series 65
Dunnellon, FL
Coats Financial Planning
Teresa Christensen is a CFP® professional with 15 years of industry experience, currently affiliated with Coats Financial Planning. She operates Christensen Consulting, a sole proprietorship through which she contracts exclusively with Coats Financial Planning. Ms. Christensen is based in Dunnellon, FL, and also meets with clients quarterly in Kentucky. Coats Financial Planning serves individuals, trusts, estates, and small businesses, providing fee-only financial planning and investment management primarily using a buy-and-hold strategy focused on passive index funds and ETFs. The firm employs a flat-fee retainer model and requires advisors to adhere to NAPFA compliance standards.
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)