MCF Advisors, LLC logo

MCF Advisors, LLC

Updated today

Client assets under management

$2,572,398,302

Clients

3,440

19% high-net worth

Advisors

25

of 55 employees

Firm type

Multi Team

Clients per advisor

138

Very High

Average account size

$747,790

About

MCF Advisors serves individuals (including high‑net‑worth clients), small businesses and a range of institutional clients such as pension plans, endowments, corporations, non‑profits and insurance companies, offering wealth management, financial planning, portfolio management and selection of other advisors. The firm also provides tax return preparation, accounting and personal CFO services, bill‑payment and estate planning consulting as distinct, separately contracted offerings.

MCF employs a tactical asset allocation approach and risk‑based managed allocation models, tailoring portfolios to client objectives and monitoring them continuously while allowing clients to impose reasonable restrictions. It implements strategies through internal management, third‑party Independent Managers and managed‑account platforms (including Envestnet/Tamarac) and leverages third‑party trading and account‑aggregation tools (Pontera and Morningstar ByAllAccounts) for held‑away assets.

Notable differentiators include MCF’s role as sponsor and adviser to an affiliated private investment fund (MCF Liminal Investment, LLC) with an affiliated manager that may earn performance‑based fees, and its disclosure that eligible employees may invest alongside clients. The firm also maintains affiliated service arrangements—an in‑house legal practice for consultative estate work (MCF Legal) and a private‑label trust solution with National Advisors Trust—and discloses that certain employees are licensed insurance agents and that it participates in custodian referral and platform programs (including a client benefit agreement with Charles Schwab), all of which the brochure identifies as potential conflicts of interest.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers

Expertise

Private / alternative investments Tax-loss harvesting Wealth management Retirement plans for business owners (SEP, solo 401k)

Occupation focus

Founder/Business Owner Executive

Fee options

Fixed

Fixed fees for financial planning services ($200 to $1,000+ per month); Accounting and CFO services with minimum fixed fee of $18,000

Percentage

$0 - $499,999: 1.25% annually $500,000 - $3,000,000: 1.00% annually $3,000,001 - $10,000,000: 0.50% annually $10,000,001+: 0.40% annually

Performance-based

Performance-based fees charged by affiliated private investment fund MCF Liminal Investment, LLC (details in fund offering documents)

Other

Account minimum: $500,000 Minimum fee: Minimum annual fee of $50 per account for Envestnet platform; minimum fee of $1,000 for tax return preparation services; minimum fee of $18,000 for Accounting and CFO services Fee-only: Fixed fees for financial planning services ranging from $200 to $1,000+ per month; tax preparation and filing fees starting at $1,000 per engagement; Accounting and CFO services starting at $18,000 fixed fee

Main office location

MCF Advisors, LLC

333 West Vine Street, Suite 1740

Lexington KY 40507, United States

Number of offices

5

Most active in

Alabama · Arizona · Arkansas · California · Colorado · Florida · Georgia · Illinois · Indiana · Kentucky · Maryland · Michigan · Missouri · New York · North Carolina · Ohio · Oklahoma · South Carolina · Tennessee · Texas · Virginia · Washington · West Virginia

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Brittany H

Series 63, Series 65

Lexington, KY

MCF Advisors, LLC

Brittany Hiett is a financial advisor at MCF Advisors, LLC in Lexington, KY, holding Series 63 and Series 65 licenses with two years of industry experience. Her prior roles include positions at Northern Lights Distributors, Sierra Investment Management, and The Preiss Company. MCF Advisors serves individuals, trusts, retirement plans, charitable institutions, and businesses by providing integrated wealth management and institutional advisory services. The firm employs a tactical asset allocation process tailored to clients' goals and risk tolerance, combining traditional advisory services with in-house tax, accounting, and estate planning support.

Private / alternative investments Tax-loss harvesting Wealth management Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Executive
user avatar

Bradley F

CFP®, Series 66

Lexington, KY

MCF Advisors, LLC

Bradley Fisher is a CFP® professional with 21 years of experience in the financial services industry. He is currently with MCF Advisors, LLC and previously worked at Accredited Wealth Management, LLC and D. Scott Neal, Inc. Outside of his advisory role, no additional business activities were noted. MCF Advisors serves individuals, trusts, retirement plans, charitable institutions, and businesses by providing integrated wealth management and institutional advisory services. The firm employs a tactical asset allocation process tailored to client goals and combines traditional advisory services with in-house tax, accounting, and estate planning support.

Private / alternative investments Tax-loss harvesting Wealth management Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Executive
user avatar

Nicholas N

Series 63, Series 65

Lexington, KY

MCF Advisors, LLC

Nicholas Newell is a financial advisor at MCF Advisors, LLC in Lexington, KY, holding Series 63 and Series 65 licenses with 10 years of industry experience. He previously worked at Fidelity Brokerage Services LLC from 2015 to 2017 before joining MCF Advisors in 2017. MCF Advisors serves individuals, trusts, retirement plans, charitable institutions, and businesses by providing integrated wealth management and institutional advisory services. The firm employs a tactical asset allocation process tailored to individual client goals and combines traditional advisory services with in-house tax, accounting, and estate planning support.

Private / alternative investments Tax-loss harvesting Wealth management Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Executive
user avatar

Brittany M

CFP®

Lexington, KY

MCF Advisors, LLC

Brittany Manning is a CFP® professional with 11 years of experience in financial advising. She has been with MCF Advisors, LLC since 2012. MCF Advisors serves individuals, trusts, retirement plans, charitable institutions, and businesses by providing integrated wealth management and institutional advisory services. The firm combines traditional advisory services with in-house tax, accounting, and estate planning support, tailoring investment strategies to client goals and risk tolerance through a tactical asset allocation process.

Private / alternative investments Tax-loss harvesting Wealth management Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Executive
user avatar

Thomas H

Series 66

Cincinnati, OH

MCF Advisors, LLC

Thomas Hayden is a financial advisor at MCF Advisors, LLC in Cincinnati, OH, with 20 years of industry experience. He holds a Series 66 designation and has worked at MCF Advisors since 2013, including a prior role at Lion Street Financial LLC from 2014 to 2017. Outside of his advisory role, he serves as president of Midwest Benefits Consulting Group LLC, which provides insurance services. MCF Advisors serves individuals, trusts, retirement plans, charitable institutions, and businesses by offering integrated wealth management and institutional advisory services. The firm employs a tactical asset allocation approach tailored to client goals and combines traditional advisory services with in-house tax, accounting, and estate planning support.

Private / alternative investments Tax-loss harvesting Wealth management Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Executive
user avatar

David H

Series 63, Series 66

Lexington, KY

MCF Advisors, LLC

David Harris is a financial advisor at MCF Advisors, LLC in Lexington, KY, holding Series 63 and Series 66 licenses with 22 years of industry experience. He has been with MCF Advisors since 2004. Outside of his advisory role, Harris serves as chairman of Seven Stones Farm, a farming operation, and holds board positions with Worldwide Equipment Enterprises, a heavy trucks dealer, and the University of Pikeville. MCF Advisors provides integrated wealth management and institutional advisory services to individuals, trusts, retirement plans, charitable institutions, and businesses. The firm employs a tactical asset allocation approach tailored to client goals and combines traditional advisory services with in-house tax, accounting, and estate planning support.

Private / alternative investments Tax-loss harvesting Wealth management Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Executive
user avatar

William C

Series 65

Lexington, KY

MCF Advisors, LLC

William Clark is a financial advisor at MCF Advisors, LLC in Lexington, KY, holding a Series 65 designation with 11 years of industry experience. He previously worked at Accredited Wealth Management LLC for 11 years before joining MCF Advisors in 2025. MCF Advisors serves individuals, trusts, retirement plans, charitable institutions, and businesses by providing integrated wealth management and institutional advisory services. The firm employs a tactical asset allocation approach tailored to client goals and combines traditional advisory services with in-house tax, accounting, and estate planning capabilities.

Private / alternative investments Tax-loss harvesting Wealth management Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Executive
user avatar

James D

CFP®, Series 63, Series 66

Lexington, KY

MCF Advisors, LLC

James Downing is a CFP® with 14 years of industry experience, currently serving as an advisor at MCF Advisors, LLC since 2015. He holds Series 63 and Series 66 licenses and is based in Lexington, KY. MCF Advisors provides integrated wealth management and institutional advisory services to individuals, trusts, retirement plans, charitable institutions, and businesses. The firm employs a tactical asset allocation approach tailored to client goals and risk tolerance, combining traditional advisory services with in-house tax, accounting, and estate planning support.

Private / alternative investments Tax-loss harvesting Wealth management Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Executive
user avatar

Todd S

CFP®

Cincinnati, OH

MCF Advisors, LLC

Private / alternative investments Tax-loss harvesting Wealth management Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Executive
user avatar

Jeffrey J

CFP®, Series 66

Lexington, KY

MCF Advisors, LLC

Jeffrey Jennings is a CFP® professional with 16 years of industry experience, currently serving as an advisor at MCF Advisors, LLC since 2012. He holds a Series 66 license and operates out of Lexington, KY. MCF Advisors provides integrated wealth management and institutional advisory services to individuals, trusts, retirement plans, charitable institutions, and businesses. The firm employs a tactical asset allocation process tailored to clients’ goals and risk tolerance, combining traditional advisory services with in-house tax, accounting, and estate planning support.

Private / alternative investments Tax-loss harvesting Wealth management Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Executive
user avatar

Steven G

CFP®, CFA®, Series 65

Lexington, KY

MCF Advisors, LLC

Steven Giacobbe is a CFP®, CFA®, and Series 65-registered financial advisor with 11 years of industry experience. He currently works at MCF Advisors, LLC and was previously with Accredited Wealth Management, LLC for 11 years. MCF Advisors serves individuals, trusts, retirement plans, charitable institutions, and businesses by providing integrated wealth management and institutional advisory services. The firm employs a tactical asset allocation process tailored to clients' goals and risk tolerance, combining traditional advisory services with in-house tax, accounting, and estate planning capabilities.

Private / alternative investments Tax-loss harvesting Wealth management Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Executive
user avatar

Hunter N

Series 65

Lexington, KY

MCF Advisors, LLC

Hunter Nighbert is a financial advisor at MCF Advisors, LLC with 15 years of industry experience. He holds a Series 65 designation and has been with MCF Advisors since 2015. Outside of his advisory role, he is a licensed insurance agent supporting life, health, disability, and long-term care insurance products. MCF Advisors serves individuals, trusts, retirement plans, charitable institutions, and businesses by providing integrated wealth management and institutional advisory services. The firm employs a tactical asset allocation approach tailored to client goals and combines traditional advisory services with in-house tax, accounting, and estate planning capabilities.

Private / alternative investments Tax-loss harvesting Wealth management Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Executive
user avatar

Stephen W

CFP®, Series 66

Lexington, KY

MCF Advisors, LLC

Stephen Wright is a CFP® with 26 years of industry experience, currently serving as a financial advisor at MCF Advisors, LLC since 2017. Prior to joining MCF Advisors, he worked at Morgan Stanley in various capacities from 2009 to 2017, including roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. MCF Advisors serves individuals, trusts, retirement plans, charitable institutions, and businesses by providing integrated wealth management and institutional advisory services. The firm employs a tactical asset allocation approach and combines traditional advisory services with in-house tax, accounting, and estate planning support.

Private / alternative investments Tax-loss harvesting Wealth management Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Executive
user avatar

Matthew R

CFP®, Series 66

Lexington, KY

MCF Advisors, LLC

Matthew Rose is a CFP® with six years of industry experience, currently serving as a financial advisor at MCF Advisors, LLC. His prior roles include positions at FWG Investments, Family Wealth Group, Bank of America, and Merrill Lynch. He also has experience in higher education with Lipscomb University and Samford University. MCF Advisors serves individuals, trusts, retirement plans, charitable institutions, and businesses by providing integrated wealth management and institutional advisory services. The firm employs a tactical asset allocation process tailored to client goals and combines traditional advisory services with in-house tax, accounting, and estate planning support.

Private / alternative investments Tax-loss harvesting Wealth management Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Executive
user avatar

George B

Series 65

Lexington, KY

MCF Advisors, LLC

George Barker is a financial advisor at MCF Advisors, LLC, holding a Series 65 designation. He joined the firm in 2025 after a 14-year tenure at the University of Kentucky. MCF Advisors serves individuals, trusts, retirement plans, charitable institutions, and businesses by providing integrated wealth management and institutional advisory services. The firm employs a tactical asset allocation process tailored to client goals and combines traditional advisory services with in-house tax, accounting, and estate planning support.

Private / alternative investments Tax-loss harvesting Wealth management Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner Executive
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