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Wrenne Financial Planning
David Wrenne established Wrenne Financial Planning in 2014 as a Lexington-based registered investment advisor. The firm operates under a fiduciary standard,...
Wrenne Financial Planning
David Wrenne established Wrenne Financial Planning in 2014 as a Lexington-based registered investment advisor. The firm operates under a fiduciary standard, offering financial planning, asset management, and asset allocation services to individuals, high-net-worth families, and corporations. Its founding coincided with a broader industry shift toward fee-only planning models that separate advice from product sales. The firm provides comprehensive financial planning alongside discretionary portfolio management. Its service model spans retirement planning, tax-efficient withdrawal strategies, employer-sponsored retirement plan guidance, and investment management for private clients. Wrenne Financial Planning advises on institutional retirement plans for corporations, a dual-revenue structure that pairs steady corporate advisory fees with private-client relationships. The firm serves clients primarily across Kentucky, with a concentration in the Lexington metropolitan area. Wrenne Financial Planning operates as a lean, practitioner-led RIA without the multi-office footprint or private-equity backing that characterizes many aggregator platforms in the wealth management space. The firm functions as a lifestyle practice rather than a scaled asset-gathering vehicle. In May 2025, the firm continued its longstanding sponsorship of the Bluegrass Cycling Club, reflecting its embeddedness in local community networks that serve as its primary client-acquisition channel (per the Bluegrass Cycling Club, May 2025). Most RIAs of Wrenne's size and vintage operate as part of larger network platforms or aggregators. Wrenne Financial Planning remains independent and owner-operated, a governance choice that preserves advisory continuity but limits institutional-scale infrastructure. Its structural differentiator is a pure fiduciary posture and a retainer-centric fee model in a market where the dominant local competitors remain bank-affiliated or commission-driven.
General information
Firm type
Bank / Wealth / Trust
Year founded
2014
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Lexington
Corporate office
Lexington, KY, United States
Sector focus
Frequently asked questions
Who makes investment and planning decisions at Wrenne Financial Planning?
David Wrenne serves as the firm's founder and lead advisor, personally overseeing both financial planning and investment management decisions. As a principal-owned RIA without a layered investment committee, Wrenne maintains direct client-facing accountability for portfolio construction and planning recommendations.
How does Wrenne Financial Planning charge for its services?
Wrenne Financial Planning operates as a fee-only fiduciary, charging flat or retainer-based planning fees and separately assessing asset-based fees for discretionary portfolio management. Unlike commission-driven broker-dealers, the firm's revenue comes directly from clients, not from product manufacturers or insurance carriers. The specific fee schedule is disclosed in the firm's Form ADV Part 2A.
Is Wrenne Financial Planning a single-family office or a multi-family office?
Neither. Wrenne Financial Planning is a registered investment advisor serving multiple client types — individuals, high-net-worth families, and corporate retirement plans. It does not operate as a family office, single or multi, and does not provide the consolidated balance-sheet management, bill-pay, or concierge services that define family-office structures.
Does Wrenne Financial Planning custody client assets directly?
No. As an independent RIA, Wrenne Financial Planning does not take custody of client assets. Client accounts are held at a qualified third-party custodian — typically a major clearing firm like Charles Schwab or Fidelity Institutional — and the firm is authorized to manage those accounts on a discretionary basis.
What does Wrenne Financial Planning's corporate retirement plan service entail?
The firm advises on employer-sponsored retirement plans, typically 401(k) plans for small and mid-sized businesses in the Lexington area. Services include investment menu design, fiduciary governance support, employee education, and ongoing plan-level investment monitoring. This corporate advisory line operates alongside the firm's private-client wealth management practice.
What is Wrenne Financial Planning's geographic reach?
The firm is headquartered in Lexington, Kentucky, and its client base concentrates in the Bluegrass region. While regulatory filings permit national client service, the practice's business development relies on local community networks, professional referrals, and corporate relationships within central Kentucky rather than national marketing or aggregator platforms.
Is Wrenne Financial Planning affiliated with a larger wealth management network or private-equity-backed aggregator?
No. Wrenne Financial Planning remains independently owned and operated by its founder. It is not a member of an RIA aggregator, a network platform, or a roll-up vehicle. The firm has not taken external private-equity investment, distinguishing it from the consolidator-model practices that have proliferated in the wealth management industry since 2018.
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