Lach Financial

Lach Financial is a financial planner in Louisville, KY, serving individuals and families who seek independent, objective advice rooted in academic research and the fiduciary standard. The firm specializes in personalized financial planning, investment management, and portfolio reviews, offering services tailored to both hands-on investors and those who prefer ongoing professional management. As a fee-only Registered Investment Adviser, Lach Financial provides transparent, conflict-free guidance, with all compensation derived solely from client fees, not commissions or product kickbacks. The firm serves clients throughout the Louisville area and is highly rated, with a perfect 5.00 rating based on customer reviews.

Founded by Patrick Lach, Ph.D., CFA, CFP®, Lach Financial draws on decades of academic and professional experience in finance. Patrick began investing at 16 and went on to earn a Ph.D. in Finance from Mississippi State University, where he also taught. His background as a finance professor informs the firm’s approach, emphasizing peer-reviewed research and evidence-based strategies. Lach Financial uses Dimensional Fund Advisors (DFA), a firm grounded in academic finance, to manage client portfolios. The firm’s philosophy centers on aligning the adviser’s interests with the client’s, eliminating conflicts through a fee-only structure and a commitment to transparency.

The business is located at 3046 Breckenridge Lane, Suite 202, in Louisville, KY. It sits just a short distance from Breckenridge / Churchill Park and Breckenridge / McMahan Plaza, both accessible bus stops, and is within a quarter-mile of South Fork Beargrass Creek and the Hikes Lane post office. The office is situated on Breckenridge Lane, a main road, and is near residential and green spaces, offering a quiet, accessible location for clients.

Lach Financial is known for its integrity, expertise, and client-first approach, consistently earning high praise for its fiduciary commitment and research-driven strategies. Clients trust the firm to manage their financial futures with transparency and care. In Louisville, Lach Financial stands out as a trusted partner for those seeking long-term financial security through science-based investing.

Services:

• Academic Research-Based Decisions
• Conflict-Free Financial Planning
• Fee-Only Investing
• Fiduciary Investment Advice
• Portfolio Review