Moneywatch Advisors, Inc.

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Client assets under management

$329,735,069

Clients

384

0% high-net worth

Advisors

of 6 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

128

Very High

Average account size

$858,685

About

Moneywatch Advisors manages roughly $329.7 million for about 384 clients, serving individuals, retirement plans, trusts, estates and charitable organizations with a primary emphasis on individual households. The firm provides ongoing portfolio management and comprehensive financial planning, advising on common stocks, bonds, mutual funds and ETFs as well as broader topics such as real estate, banking, retirement and education funding.

The firm’s investment approach is long-term and fundamentally driven, with individualized strategies that balance income needs, preservation of capital and growth and a preference for lower‑cost funds where suitable. Portfolios are reviewed and rebalanced on a regular cadence, the firm commonly operates with discretionary authority, and it relies on third‑party custodians and cloud‑based platforms for execution and reporting.

Noteworthy aspects include a client base that includes relatively few high‑net‑worth individuals, signaling a focus on a broad range of asset levels rather than a wealthy‑only niche. The firm also maintains custody practices that involve retention of client account credentials (and a rare trustee relationship), participates in an institutional custody program that supplies operational and technology services, and requires college‑educated advisory staff with internal controls to monitor employee accounts.

Client services

Financial planning Portfolio management Selection of other advisers

Expertise

Wealth management Retirement plans for business owners (SEP, solo 401k) Retirement income strategy College savings (529s, UTMA, etc.)

Occupation focus

Founder/Business Owner Executive

Fee options

Percentage

1% annually (0.25% quarterly paid in advance)

Other

Account minimum: $100,000 Minimum fee: Minimum fee of $250 per quarter (i.e., $1,000 annually) Fee-only: Fee-only financial planning and portfolio management; no commissions or performance fees

Main office location

Moneywatch Advisors, Inc.

121 Walton Avenue

Lexington KY 40508, United States

Number of offices

Most active in

Florida · Kentucky · Maine · Ohio · Tennessee · Texas

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

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.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook Instagram Website 859-268-1117

Advisors at this firm

Robert H

CFP®

Lexington, KY

Moneywatch Advisors, Inc.

Robert Hammond is a CFP® professional with 11 years at Moneywatch Advisors, Inc. and a total of 5 years in the financial industry. He also works as a horse racing consultant, advising on racing and farm operations. Moneywatch Advisors serves individuals, retirement plans, trusts, estates, and charitable organizations, focusing primarily on individual clients across multiple states. The firm emphasizes long-term portfolio management through fundamental analysis, income and growth asset allocation, and periodic rebalancing, while developing individualized financial plans and favoring lower-cost mutual funds and ETFs.

Wealth management Retirement plans for business owners (SEP, solo 401k) Retirement income strategy College savings (529s, UTMA, etc.) Founder/Business Owner Executive

Stephen B

CFP®

Lexington, KY

Moneywatch Advisors, Inc.

Stephen Byars is a CFP® professional with six years of experience at Moneywatch Advisors, Inc. in Lexington, KY. Prior to joining Moneywatch Advisors in 2017, he worked at the University of Kentucky for 12 years. Moneywatch Advisors serves individuals, retirement plans, trusts, estates, and charitable organizations, focusing primarily on individual clients across multiple states. The firm emphasizes long-term portfolio management through fundamental analysis, income and growth asset allocation, and periodic rebalancing, offering comprehensive financial planning and ongoing portfolio management.

Wealth management Retirement plans for business owners (SEP, solo 401k) Retirement income strategy College savings (529s, UTMA, etc.) Founder/Business Owner Executive

Ramsey B

CFP®

Lexington, KY

Moneywatch Advisors, Inc.

Ramsey Bova is a CFP® professional with 12 years of experience at Moneywatch Advisors, Inc. in Lexington, KY. He has been with the firm since 1998. Moneywatch Advisors serves individuals, retirement plans, trusts, estates, and charitable organizations, focusing primarily on individual clients across multiple states. The firm emphasizes long-term portfolio management through fundamental analysis, asset allocation, and periodic rebalancing, while providing comprehensive financial planning and favoring lower-cost mutual funds and ETFs.

Wealth management Retirement plans for business owners (SEP, solo 401k) Retirement income strategy College savings (529s, UTMA, etc.) Founder/Business Owner Executive

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