Lach Financial

Lach Financial is a financial planner in Louisville, KY, located at 3046 Breckenridge Ln Suite 202. The firm provides on-going financial planning services for individuals seeking to manage their financial well-being and for do-it-yourself investors looking to validate their plans. As a fee-only Registered Investment Adviser, the firm does not sell investment products that charge commissions. Compensation comes entirely from advice and services provided to clients. The firm uses Dimensional Fund Advisors for managed clients, utilizing strategies based on peer-reviewed academic research. Patrick Lach, Ph.D., CFA, CFP®, serves as the Investment Adviser Representative. He holds a Master’s and Ph.D. in Finance from Mississippi State University and previously taught at Eastern Illinois University.

Patrick Lach began picking stocks at age 16 and started his own portfolio at 18. He graduated Magna Cum Laude from Bellarmine University with double majors in Accounting and Economics in 2004. After earning his doctorate in 2008, he taught at Eastern Illinois University. Following the financial crisis, he observed that many brokers were not implementing academic findings or supporting their clients. This experience led him to establish a practice aligned with the fiduciary standard, which requires putting client interests first and eliminating conflicts of interest such as referral fees or kickbacks. The firm charges fees based on assets under management, with specific rates for different tiers of assets.

The firm holds a 5.00 rating based on customer reviews. Lach Financial combines academic rigor with fiduciary responsibility to serve Louisville residents seeking objective financial guidance.

The business sits on Breckenridge Lane, just a tenth of a mile from the Breckinridge / McMahan Plaza bus stop and close to South Fork Beargrass Creek.

BizScoreAI gives Lach Financial a Technical score of 98 out of 100, ensuring the website is secure and readable by search engines without errors. The firm also holds a Discoverability score of 75 out of 100, meaning AI crawlers can access every page to potentially recommend the business.

Services:

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