Coats Financial Planning is a fee-only financial planning and investment management firm based in Louisville, Kentucky. Founded in 2000, Coats Financial Planning offers personalized financial guidance to individuals, trusts, estates, and small businesses. The firm operates on an ongoing retainer basis rather than charging a percentage of assets under management. Services cover comprehensive financial planning areas including cash flow management, college planning, tax strategy, retirement preparation, insurance reviews, and estate planning. Coats Financial Planning emphasizes an objective approach by selling no financial products, accepting no commissions, and maintaining no affiliations with product sales entities. Client portfolios are primarily built using low-cost mutual funds and exchange-traded funds through custodians like Fidelity, Charles Schwab, and Vanguard. The firm conducts periodic reviews once or twice a year, and clients maintain ultimate control over their assets with trade execution handled through limited powers of attorney where applicable.
Fee Structure
Coats Financial Planning does not charge investment management fees based on a percentage of your portfolio value. Instead, investment advice and portfolio assistance are included as part of an ongoing flat-fee retainer arrangement that covers both planning and ongoing investment guidance.
