Principled Wealth Advisors, LLC

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Client assets under management

Clients

0% high-net worth

Advisors

of 5 employees

Firm type

Supported

1-3 advisors or $200M+ in AUM

Clients per advisor

Very Low

Average account size

About

Principled Wealth Advisors is a small SEC/state‑registered advisory firm with two advisors serving roughly 30 clients. It provides financial planning, consulting, and both discretionary and non‑discretionary investment management across individual and institutional client types, and offers specialized services such as 529 plan management and ERISA retirement plan advisory work.

The firm’s investment process is allocation‑driven and grounded in Modern Portfolio Theory, using diversified exposures to equities, fixed income, mutual funds, ETFs and, when appropriate, alternative strategies. It commonly implements portfolios through independent third‑party managers and model programs, and supplements investment oversight with tiered planning services that scale from basic Investment Guidance to Wealth and Family Wealth Guidance tied to stated asset thresholds.

Notable distinctions include the firm’s operational and industry affiliations: several advisory personnel are dually registered with a broker‑dealer platform and the firm participates in third‑party manager and TPMM arrangements, disclosures that may give rise to conflicts of interest the firm says it monitors. The brochure also discloses recent material changes — a formal expansion into discretionary investment management and the receipt of transition assistance loans tied to the broker‑dealer relationship — and, at the time of the brochure, the firm reported no regulatory assets under management.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers

Expertise

Wealth management Tax strategies for small businesses Retirement income strategy Charitable giving & philanthropy College savings (529s, UTMA, etc.)

Occupation focus

Founder/Business Owner Executive

Demographic focus

Mid-Career Professionals Established Professionals

Fee options

Fixed

Financial planning services are offered under a flat fee arrangement with fees typically ranging from $2,000 to $30,000; consulting services also flat fee based typically $2,000 to $10,000.

Percentage

up to 1.0% annually

Other

Account minimum: $250,000 Fee-only: Financial planning fees range from $2,000 to $30,000 based on scope and complexity; consulting fees range from $2,000 to $10,000 based on scope and complexity; 529 Plan fixed fees typically $200 per account when asset-based billing is not supported.

Main office location

Principled Wealth Advisors, LLC

100 East Rivercenter Blvd, Suite 810

Covington KY 41011-1513, United States

Number of offices

Most active in

Kentucky · Ohio

Disclosures

Business activities & affiliations

Is active or affiliated with:

Broker-dealer / trader

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

Is not active or affiliated with:

Insurance agent

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

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

Quick links

LinkedIn Website 859-957-2737

Advisors at this firm

Jereme R

CFP®, Series 66

Covington, KY

Principled Wealth Advisors, LLC

Jereme Ransick is a CFP® professional with over 21 years of experience in financial advising. He has been with Commonwealth Financial Network since 2005 and is also the owner of Principled Wealth Advisors, LLC, a state-registered investment adviser. Commonwealth Financial Network serves a national network of approximately 2,950 advisors, providing a range of advisory programs and back-office support including operations, trading, technology, investment management, compliance, and practice-management. The firm offers multiple investment program structures and discretionary model portfolios, supporting advisors who deliver customized advice under Commonwealth’s supervision.

Wealth management Tax strategies for small businesses Retirement income strategy Charitable giving & philanthropy College savings (529s, UTMA, etc.) Founder/Business Owner Executive Mid-Career Professionals Established Professionals

Luke M

CFP®, Series 63, Series 65

Covington, KY

Principled Wealth Advisors, LLC

Luke Merry is a CFP® professional with 10 years of experience in the financial services industry. He is affiliated with Principled Wealth Advisors, LLC and Commonwealth Financial Network, having worked at Fidelity Brokerage Services earlier in his career. Outside of his advisory roles, he is the founder of Little Liturgy, a business focused on 3D printing and selling toy figures. Principled Wealth Advisors is a state-registered investment adviser serving individuals, families, trusts, retirement plans, corporations, and foundations with a tiered service model that includes discretionary and non-discretionary investment management, financial planning, and consulting. The firm’s investment approach emphasizes asset allocation based on Modern Portfolio Theory and utilizes independent third-party managers, model portfolios, and a mix of asset classes tailored to client needs.

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