Key Financial Advisors LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Key Financial Advisors provides fee-only financial planning and investment advisory services to individuals, closely‑held small businesses, retirement plans, trusts, estates, and charitable organizations. Its public brochure describes Financial and Investment Planning and Investment Advisory Programs, Retirement Plan Investment Fiduciary Services (pension consulting), hourly and fixed‑fee engagements, and educational workshops for groups.
The firm describes a non‑discretionary, long‑term approach that emphasizes fundamental analysis, Modern Portfolio Theory, diversified asset allocation, and low‑cost index funds and ETFs as core holdings, documented in a written Investment Policy Statement with periodic rebalancing. Clients retain custody and final decision authority; the firm provides implementation advice and periodic reviews rather than acting as a discretionary custodian.
Noteworthy for an investment‑manager category firm, the brochure highlights regular pension consulting and public educational workshops—services that are statistically uncommon among peers—and explicitly offers hourly and fixed‑fee project work in addition to program engagements. The firm also states it is a fee‑only fiduciary that declines commissions and does not operate using an Assets Under Management business model, a distinctive operating stance relative to many managers.
Client services
Expertise
Occupation focus
Fee options
Fixed Fees based on $125 per hour multiplied by estimated hours for project; Educational Workshops at $500 per hour or $100 per participant per hour, whichever is greater
$125 per hour, billed in 15-minute increments
Account minimum: No minimum asset or annual income requirements for clients, but minimum annual fees apply for certain programs Minimum fee: $2,400 per year minimum for Financial and Investment Planning Program; $1,200 per year minimum for Investment Advisory Program Fee-only: Annual fee of 0.5% of total client assets or investment assets, depending on program, payable monthly in arrears; no commissions or other compensation accepted
Main office
Owensboro KY
Advisors at this office
1
Most active in
Kentucky
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
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