Business Details
31 Years
experience
Trusted Financial Advisers in Lexington, KY
Founded in 1995, D Scott Neal, Inc. has built a reputation as a trusted partner in financial planning and investment management. Our firm operates under strict fiduciary principles, prioritizing client interests through personalized strategies tailored to individual life stages and financial goals. With a team of 12 experienced professionals, including Certified Financial Planners and CPAs, we specialize in guiding families through transitional periods such as retirement planning, education funding, and legacy creation.Our commitment to transparency is demonstrated through full disclosure of conflicts and a patented mutual fund upgrading strategy. Backed by three decades of expertise and affiliations with leading industry organizations like NAPFA and FPA, we combine rigorous analytical frameworks with compassionate service to empower clients toward financial security. Our team's military service backgrounds and advanced degrees in finance and divinity underscore our unique approach to holistic financial well-being.
Services
Financial Planning
Investment Management
Retirement Planning
Estate Planning
Legacy Creation
Tax Strategy
Education Funding
Risk Management
Portfolio Analysis
Wealth Transfer
Details
- Year established: 1995
Highlights and features
- We operate as strict fiduciaries with SEC registration
- Personalized strategies for every life transition stage
- Team includes CPAs and Certified Financial Planners with 30+ years' experience
- Transparent mutual fund upgrading strategy with full conflict disclosure
- Specialized in comprehensive financial life planning beyond basic investment management
Associations and certifications
- SEC
- NAPFA
- FPA
Services
Financial Planning
Comprehensive financial planning tailored to individual life stages and goals. Our CFP professionals create customized roadmaps for wealth accumulation, preservation, and distribution. Services include cash flow analysis, risk management, and long-term financial goal setting.
Investment Management
Active investment management with proprietary mutual fund upgrading strategy. We construct diversified portfolios aligned with client risk tolerance and financial objectives. Ongoing monitoring and quarterly performance reviews ensure optimal asset allocation.
Retirement Planning
Specialized retirement planning services covering income projections, Social Security optimization, and pension analysis. We develop sustainable withdrawal strategies to ensure financial security throughout retirement years.
Estate Planning
Integrated estate planning solutions including trust creation, beneficiary designations, and tax-efficient wealth transfer strategies. Our planners coordinate with legal professionals to implement comprehensive legacy plans.
Education Funding
Tailored education funding strategies utilizing 529 plans and other tax-advantaged vehicles. We help families balance college savings goals with other financial priorities while maintaining investment flexibility.
People
Scott Neal
President / Sr. Advisor
CPA and Certified Financial Planner with 30+ years experience. Specializes in estate and retirement planning. Holds MBA and Master of Divinity degrees. Active speaker and member of NAPFA and FPA.
Jerry Zimmer
Vice President, Chief Compliance Officer
CPA and CFP with expertise in tax planning for executives. Oversees investment committee and mutual fund strategy. Member of NAPFA, FPA, and American Institute of CPAs.
Richard Coles
Sr. Advisor
Certified Divorce Financial Planner with global perspective. Focuses on comprehensive financial planning without niche specialization. Active FPA member with international education background.
Chris Saccomanno
Support Advisor
Certified Financial Planner with military and entrepreneurial experience. Specializes in capital funding solutions. Holds physics degree and masters in financial planning from University of Georgia.
Mike Reich
Financial Planning Specialist
CFP with analytical expertise in financial plan development. Coordinates planning across advisory team. Former Air Force officer with master's in financial planning from University of Georgia.
Questions
What financial planning services do you offer?
We provide comprehensive financial planning covering retirement, estate, education funding, tax strategy, and wealth transfer. Each plan is customized to individual life circumstances and goals.
Are you legally required to act in my best interest?
Yes, we operate as registered investment advisors with fiduciary duty. We must always prioritize client interests and provide full disclosure of any potential conflicts.
What areas do you serve?
We serve clients in Lexington and Louisville, Kentucky, as well as Cincinnati, Ohio. Our team provides services to families across these regions with personalized attention.
How is your investment management different?
Our proprietary mutual fund upgrading strategy actively manages portfolios with monthly analysis. We focus on tax-efficient solutions and maintain transparent reporting for all investment decisions.
What qualifications do your advisors hold?
Our team includes Certified Financial Planners, CPAs, and Personal Finance Specialists. Many advisors hold advanced degrees and have decades of combined experience in financial services.
How do you handle client communication?
We maintain regular communication through scheduled reviews and quarterly portfolio updates. Our client service team provides dedicated support with Schwab, Ameritrade, and Fidelity custodial relationships.