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Jennings & Associates Financial Advisors, LLC

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Client assets under management

$236,548,572

Clients

680

26% high-net-worth

Advisors

5

of 8 employees

Firm type

Team

5-30 advisors or >$500M in AUM

Clients per advisor

136

Very High

Average account size

$347,866

About

Jennings & Associates Financial Advisors, LLC is an SEC‑registered advisory firm that manages approximately $240 million for roughly 680 clients, primarily individuals and high‑net‑worth clients, as well as trusts, estates, charitable organizations and small businesses. The firm offers discretionary portfolio management, comprehensive financial planning, retirement‑plan consulting, and outsourced CFO‑style services.

The firm uses a proprietary "GPS Method" to define client income goals and align asset allocation and investment strategy, drawing on fundamental, technical and tactical analysis for portfolio construction and monitoring. Jennings also provides retirement plan participant advisory services and can act in ERISA fiduciary capacities (3(21) non‑discretionary and 3(38) discretionary), and it implements held‑away participant account management through a third‑party order management system.

Uncommonly for comparable team firms, Jennings sponsors a wrap‑fee program and serves as the program’s portfolio manager, paying transaction charges to its custodian—a structure the brochure discloses can influence mutual‑fund share‑class selection and trading frequency. The firm also discloses routine use of artificial intelligence for real‑time web‑call note‑taking and project frameworks and highlights its custody relationship with LPL Financial.

Client services

Financial planning Portfolio management Pension consulting

Expertise

Retirement income strategy Social Security optimization General retirement planning Wealth management

Occupation focus

Founder/Business Owner Executive

Demographic focus

Approaching retirement Mid-Career Professionals

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Fee options

Fixed

Financial planning flat fees generally range from $1,000 to $30,000 depending on complexity.

Commissions

Investment advisor representatives may receive commissions for selling securities and insurance products in their individual capacity; these commissions are separate from advisory fees.

Project-based

Hourly consulting fees generally range from $100 to $500 per hour; financial planning hourly fees up to $500 per hour.

Other

Account minimum: $250,000 (encouraged; no required minimum) Fee-only: Hourly financial planning fees up to $500 per hour; flat fees generally ranging from $1,000 to $30,000 for financial planning; hourly consulting fees generally range from $100 to $500 per hour.

Main office location

Jennings & Associates Financial Advisors, LLC

1920 Broadway Street

Paducah KY 42001, United States

Number of offices

1

Most active in

Illinois · Kentucky · Louisiana · Missouri · Tennessee · Texas

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

Crystal J

Series 66

Paducah, KY

Jennings & Associates Financial Advisors, LLC

Crystal Johnson is a financial advisor at Jennings & Associates Financial Advisors, LLC with three years of industry experience. She holds the Series 66 designation and has worked at Jennings & Associates since 2021, with prior experience at LPL Financial LLC and a background at Victoria's Secret. Outside of her advisory role, she is a licensed notary and owns a home-based business, JFR LLC. Jennings & Associates Financial Advisors is an SEC-registered advisory team serving primarily individuals, high-net-worth households, trusts, estates, and charitable organizations. The firm manages approximately $208 million using a proprietary “GPS Method” that aligns client income goals with asset allocation strategies, combining fundamental, technical, and tactical analysis on an LPL Financial custodial platform.

Retirement income strategy Social Security optimization General retirement planning Wealth management Founder/Business Owner Executive Approaching retirement Mid-Career Professionals
user avatar

Keith J

Series 66

Paducah, KY

Jennings & Associates Financial Advisors, LLC

Keith Jennings is a financial advisor at Jennings & Associates Financial Advisors, LLC with 25 years of industry experience. He holds the Series 66 designation and has worked previously at Keystone Financial Group, LLC and LPL Financial, LLC. Outside of his advisory work, Jennings is involved in authoring a book titled GPS Journal and participates in non-investment related training activities. Jennings & Associates Financial Advisors, LLC is an SEC-registered advisory team managing approximately $208 million for about 620 clients, including individuals, high-net-worth households, trusts, estates, and charitable organizations. The firm uses a proprietary “GPS Method” for investment decisions and offers discretionary portfolio management, financial planning, retirement plan consulting, and outsourced CFO services.

Retirement income strategy Social Security optimization General retirement planning Wealth management Founder/Business Owner Executive Approaching retirement Mid-Career Professionals
user avatar

Kristin L

Series 63, Series 65

Paducah, KY

Jennings & Associates Financial Advisors, LLC

Kristin Lynch is a financial advisor with Jennings & Associates Financial Advisors, LLC, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. She previously worked at Keystone Financial Group, LLC and LPL Financial, LLC. Outside of her advisory role, she writes a monthly column for The Vue Magazine, works as a fitness instructor, and serves as CEO of Keys with Kristin LLC, a life coaching business. Jennings & Associates Financial Advisors, LLC is an SEC-registered advisory team managing approximately $208 million for around 620 clients, primarily individuals, high-net-worth households, trusts, estates, and charitable organizations. The firm employs a proprietary “GPS Method” for investment decisions and offers a range of services including discretionary portfolio management, financial planning, retirement plan consulting, and outsourced CFO services.

Retirement income strategy Social Security optimization General retirement planning Wealth management Founder/Business Owner Executive Approaching retirement Mid-Career Professionals
user avatar

Miranda W

Series 63, Series 66

Paducah, KY

Jennings & Associates Financial Advisors, LLC

Miranda Wood is a financial advisor at Jennings & Associates Financial Advisors, LLC with 12 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Keystone Financial Group, LLC and LPL Financial, LLC. Wood serves as a for-profit board member on the supervisory committee of Signet Federal Credit Union. Jennings & Associates Financial Advisors is an SEC-registered advisory team managing approximately $208 million for around 620 clients, including individuals, high-net-worth households, trusts, estates, and charitable organizations. The firm employs a proprietary “GPS Method” to guide investment decisions and offers discretionary portfolio management, comprehensive financial planning, retirement plan consulting, and outsourced CFO services.

Retirement income strategy Social Security optimization General retirement planning Wealth management Founder/Business Owner Executive Approaching retirement Mid-Career Professionals
user avatar

Logan B

Series 65

Paducah, KY

Jennings & Associates Financial Advisors, LLC

Logan Brown is a financial advisor at Jennings & Associates Financial Advisors, LLC with two years of industry experience. He holds the Series 65 designation and previously worked at McDonald's and Thoroughbred Research Group. Jennings & Associates Financial Advisors is an SEC-registered advisory team managing approximately $208 million for around 620 clients, including individuals, high-net-worth households, trusts, estates, and charitable organizations. The firm employs a proprietary “GPS Method” to guide investment decisions and offers services such as discretionary portfolio management, comprehensive financial planning, retirement plan consulting, and outsourced CFO services.

Retirement income strategy Social Security optimization General retirement planning Wealth management Founder/Business Owner Executive Approaching retirement Mid-Career Professionals
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