Lach Financial
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$27,582,680
Total clients
39
13% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
39
Average account size
$707,248
About
The firm provides financial planning and portfolio management primarily for individual investors and trusts through two engagement models: ongoing discretionary financial planning and hourly consulting. Ongoing clients receive a custom Investment Policy Statement, implementation and monitoring (including limited power of attorney for rebalancing), while hourly engagements deliver advice without ongoing monitoring.
Investment strategy is framed as a long‑term, passive buy‑and‑hold approach that relies on historical asset class behavior and peer‑reviewed academic research to design diversified portfolios. The firm favors no‑load mutual funds and ETFs, using Dimensional Fund Advisors’ funds and research extensively as part of its implementation.
What distinguishes the firm from many peers is the principal’s deep academic background (Ph.D., CFA charterholder, and CFP certificant) and outside professional activities, including contributions to The Wall Street Journal and consulting work for textbook providers and expert‑witness engagements. The adviser’s reliance on academic research and the use of DFA research materials, together with its fee‑only model and custodial relationships that provide the firm with institutional support services, are additional noteworthy features.
Client services
Financial planning
Portfolio management
Expertise
Passive / index investing
Wealth management
General retirement planning
Demographic focus
Gen X (Born 1965-1980)
Fee options
$0 - $1,000,000: 1.00% $1,000,000 - $3,000,000: 0.75% $3,000,000 - $5,000,000: 0.50% $5,000,000+: 0.25%
$300 per hour (negotiable)
Account minimum: $400,000 (may be waived at sole discretion) Fee-only: Fee-only Registered Investment Adviser; no commissions or sales charges
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:
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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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