Lexington, KY Office

Wealth Management of Kentucky, Inc. provides discretionary portfolio management and financial planning to individuals, high‑net‑worth individuals, pension plans and small businesses, overseeing roughly $42.9 million in client assets across about 83 accounts. Services include the creation of individualized Investment Policy Statements, regular portfolio monitoring, retirement and college planning, and recommendations that can include fixed income, real estate funds, equities, ETFs and insurance products such as annuities.

The firm applies a variety of analytical methods — charting, fundamental, technical and quantitative analysis, cyclical analysis and modern portfolio theory — and employs long‑term and short‑term trading, options strategies (including covered and uncovered positions and spreads) and structured products. It generally seeks discretionary trading authority, documents risk tolerance and allocation in an IPS for each client, and notes it does not participate in wrap fee programs or accept performance‑based fees.

Distinctive features relative to peers include reported state administrative disclosure events (two state orders with fines in 2016 and 2020), which are uncommon among supported firms and are disclosed in the brochure; prospective clients should review those orders. The firm’s explicit use of derivatives and options within separately managed accounts and the fact that its representatives are licensed insurance agents who may offer commissionable insurance products (a disclosed conflict of interest) are also atypical for a firm of this size.