Lach Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$27,582,680
Clients
39
13% high-net-worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
39
HighAverage account size
$707,248
About
The firm provides financial planning and portfolio management for individual investors and trusts through ongoing discretionary planning and shorter hourly engagements. Ongoing clients receive a custom Investment Policy Statement and implementation services, and the firm typically applies an asset-based fee schedule with a stated $400,000 minimum for ongoing management that may be waived.
The firm follows a passive, evidence-based investment approach that relies on historical asset-class data and peer‑reviewed academic research, implementing diversified portfolios primarily with no-load mutual funds and ETFs and making extensive use of Dimensional Fund Advisors’ products and research. For discretionary clients the firm monitors accounts, rebalances as needed, and operates under limited power of attorney to place trades and deduct fees as outlined in client agreements.
Compared with many solo independent advisers, the firm’s sole advisor holds advanced academic and professional credentials (Ph.D., CFA, CFP) and maintains an active academic and publishing profile, including consulting on textbook material, serving as an expert witness, and contributing to a national financial publication. The firm issues written client communications and custodian reports on a monthly or quarterly basis, and it does not aggregate orders across clients while often recommending custodians that provide research and practice-support services.
Client services
Financial planning
Portfolio management
Expertise
Passive / index investing
General retirement planning
General tax planning
General estate planning guidance
Wealth management
Occupation focus
Retired
Fee options
$0 - $1,000,000: 1.00% annually $1,000,001 - $3,000,000: 0.75% annually $3,000,001 - $5,000,000: 0.50% annually $5,000,001+: 0.25% annually
$325 per hour (negotiable)
Account minimum: $400,000 Fee-only: Fee-only Registered Investment Adviser; no commissions or product sales compensation received.
Main office location
Lach Financial
3046 Breckenridge Lane, Suite 202
Louisville KY 40220, United States
Number of offices
1
Most active in
Lach Financial has reported serving >5 clients in these states in the last 12 months.
Kentucky
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
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.
-
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
Advisors at this firm
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