Seals Financial Planning and Investments, LLC

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Seals Financial Planning and Investments, LLC A fee-only, independent financial services firm based in Lexington, KY and St. Croix, USVI. As a fee-only, independent firm based in Lexington, Kentucky, and St.

Croix, US Virgin Islands, Seals Financial Planning & Investments is focused on five key areas of retirement planning to help you enjoy your dream retirement. With honesty and integrity at the forefront of our values, we offer a trusted opinion as fiduciaries to help you develop a financial plan customized to your life, values, and goals. We serve hardworking employees in the greater Lexington area and offer comprehensive financial insights and advice to help you succeed. We provide a full line of financial services and focus on three sectors of our city:

University of Kentucky Employees: Working directly with nurses, professors, and all UK employees, we equip you with everything you need to be confident in your financial decisions as you prepare to live the retirement you want. Toyota Georgetown Assembly Plant Employees: We are on a mission to help you optimize your 401(k) so you can retire as quickly as possible. Our goal is to help you design, navigate, and get you to your dream retirement. Baptist Health Nurses and Employees: We help you expand your investment options beyond your employee plans to help you manage risk while growing your wealth. Together, we can develop an ongoing plan for both your financial success while advising you in the event of life changes. Whether you are just entering the workforce, are in your prime earning years, or nearing retirement, we work with you to develop a comprehensive financial plan tailored to your individualized goals. It’s never too early to start taking steps toward a stable and comfortable retirement. We’re here to help you understand the most important questions you should be asking. Take the first step today. Call (859) 230-3476 or visit sealsfinancialplanning.com to learn more.

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Investment advice offered through Keystone Financial Group, a registered investment advisor and separate entity from LPL Financial.

A financial plan is about more than numbers on a page.It's about understanding what matters to you, making informed deci...
10/15/2026

A financial plan is about more than numbers on a page.

It's about understanding what matters to you, making informed decisions, and having a strategy you can feel confident following.

Good planning should bring clarity to the decisions in front of you and help keep the bigger picture in view.

Enrolling in your workplace retirement plan is a great first step.But it's not the last one.Your contribution rate, empl...
10/13/2026

Enrolling in your workplace retirement plan is a great first step.

But it's not the last one.

Your contribution rate, employer match, investment mix, and changes in your income can all affect how well that account supports your long-term goals.

A retirement plan shouldn't be something you set once and forget.

Your will may spell out exactly how you want your assets handled, but that doesn't necessarily mean it determines who re...
10/08/2026

Your will may spell out exactly how you want your assets handled, but that doesn't necessarily mean it determines who receives your retirement accounts.

Accounts like a 401(k) generally pass according to the beneficiary designation on file.

That's why reviewing your beneficiaries after major life changes can be an important part of keeping your overall plan up to date.

Medicare Open Enrollment runs from October 15 through December 7.Even if you're comfortable with your current coverage, ...
10/07/2026

Medicare Open Enrollment runs from October 15 through December 7.

Even if you're comfortable with your current coverage, it can be worth reviewing what's changing for the year ahead.

Premiums, benefits, provider networks, and prescription coverage can change. A quick annual review can help make sure your plan still fits your needs and your retirement budget.

10/06/2026

Not all financial advisors are compensated the same way.

Some may earn commissions from the products they recommend. A fee-only advisor is compensated directly by clients rather than through product commissions.

Understanding how your advisor is paid is a useful part of understanding the advice you're receiving.

One reason retirement planning can feel confusing is that the system doesn't hand you a single date when everything chan...
09/24/2026

One reason retirement planning can feel confusing is that the system doesn't hand you a single date when everything changes.

Different rules become relevant at different times, and your ideal retirement date may be another age entirely.

The job is to make those timelines work together.

One useful retirement exercise: look around your house and ask what might need replacing in the next 10 years.Roof? HVAC...
09/22/2026

One useful retirement exercise: look around your house and ask what might need replacing in the next 10 years.

Roof? HVAC? Appliances? Windows?

Those expenses don't arrive neatly every month, which makes them easy to leave out of a retirement budget.

Planning for irregular expenses can be just as important as planning for groceries and utilities.

09/17/2026

Retirement planning conversations naturally involve account balances, income, taxes, benefits, and dates.

But there's another question worth asking:
What do you actually want your days to look like?

Because "stop working" is an event. Retirement is everything that comes after it.

Social Security is one of the most important retirement decisions, and one of the most misunderstood.There’s no one-size...
09/15/2026

Social Security is one of the most important retirement decisions, and one of the most misunderstood.

There’s no one-size-fits-all age to claim benefits. The right timing depends on your income, your goals, and how it fits into your overall retirement plan.

A little strategy now can make a meaningful difference later.

There's a lot of trust involved in asking someone to help you plan for retirement, and we never take that lightly.We're ...
09/10/2026

There's a lot of trust involved in asking someone to help you plan for retirement, and we never take that lightly.

We're grateful for every client who chooses Seals Financial to be part of such an important chapter of their life. Thank you for sharing your experience and for trusting our team along the way.

Address

Lexington, KY

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18592303476

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