Lexington, KY Office

Wiser Wealth Management serves individual and high‑net‑worth clients as well as retirement plans, trusts, estates, charities and private businesses. The firm provides discretionary wealth management, comprehensive financial planning, and retirement plan advisory services (including ERISA fiduciary roles).

The firm constructs tax‑aware, model portfolios using primarily exchange‑traded funds, guided by an in‑house Investment Committee and long‑term capital‑market assumptions; portfolios are rebalanced as needed and may include a cash‑bucket approach to cover up to two years of withdrawals. For clients with a moderate to aggressive risk profile who opt in, Wiser Wealth allocates a modest exposure to digital‑asset ETFs and manages portfolios to limit turnover and realize tax efficiencies.

Wiser Wealth operates a wrap fee program called Flightpath for smaller accounts and discloses that a portion of its discretionary assets are managed through that program, noting operational efficiencies and a guideline it uses to recommend Flightpath versus its traditional, higher‑touch advisory services. The firm’s brochure also discloses the use of client testimonials and the advertisement of third‑party ratings in its materials — practices that the firm highlights alongside its written discussion of fee‑schedule incentives and how it seeks to mitigate related conflicts.