Guidance Capital provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers. Financial planning was provided to 1,000 clients last fiscal year.
Guidance Capital reports 759 clients. They include 650 individual clients, 106 high-net-worth individuals and 3 charitable organizations. Of its assets, 100.0% ($450M across 2,048 accounts) are managed with discretion.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 86% | 32% |
| High-net-worth individuals | 14% | 68% |
| Charitable organizations | <1% | <1% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 650 | $142M | 31.7% | $219K |
| High-net-worth individuals | 106 | $305M | 67.9% | $2.88M |
| Charitable organizations | Fewer than 5 | $2M | 0.4% | $668K |
| Total | 759 | $450M | 100% | — |
- Clients
- 650
- Regulatory AUM
- $142M
- AUM share
- 31.7%
- Avg. per client
- $219K
- Clients
- 106
- Regulatory AUM
- $305M
- AUM share
- 67.9%
- Avg. per client
- $2.88M
- Clients
- Fewer than 5
- Regulatory AUM
- $2M
- AUM share
- 0.4%
- Avg. per client
- $668K
Total
- Clients
- 759
- Regulatory AUM
- $450M
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 0
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1000
Guidance Capital charges 0.50%–2.00% a year for its Investment Management Services. The fee is billed in advance and is negotiable. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning Services
- Financial planning is billed hourly at up to $300 per hour, or as a fixed engagement fee that may be negotiable.
Beau Handy owns 50% to 75% of Guidance Capital. The leadership team of Guidance Capital includes Chief Compliance Officer Beau Handy. It has 10 employees, 7 of them in advisory roles.
Staff
- 10 employees
- 7 in advisory functions
- 7 state-registered reps
- 3 broker-dealer reps
- 6 insurance agents
- Owns 50% to 75% of Guidance Capital, Inc.
Beau Handy
Control person · since September 2022
- Owns 50% to 75% of Guidance Capital, Inc.
Stephen Gibson
Control person · since October 2022
Guidance Capital’s regulatory assets grew 1.8× from $251M (March 2023) to $450M (April 2026); clients rose from 456 to 759 and employees from 9 to 10.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Apr 2026April 2026 | $450M | 759 | 10 | 1 |
| Jun 2025June 2025 | $384M | 572 | 10 | 1 |
| Apr 2024April 2024 | $288M | 477 | 9 | 1 |
| Mar 2023March 2023 | $251M | 456 | 9 | 1 |
Besides its headquarters, Guidance Capital has 0 offices, with 1 listed address in 1 state.
Kentucky · 1 listed address
- 2020 High Wickham Place, Suite 200, LouisvilleHQ
Contact and registration details
- Legal name
- Guidance Capital, Inc.
- Headquarters
- 2020 High Wickham Place, Suite 200, Louisville, KY 40245
- Website
- guidancecapital.com
- Phone
- 502-813-2100
- SEC file
- 801-126764
- Structure
- Kentucky corporation
- Fiscal year end
- December
Guidance Capital’s named custodian for separately managed accounts is Charles Schwab ($445M). Guidance Capital does not have custody of client assets.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $445M100%
At year end, Guidance Capital’s separately managed accounts were mostly in stocks (87%). Its reported 13F holdings for the quarter ended 30 June 2026 total $468M across 233 positions; the largest are State Str SPDR S&P 500 ETF T (9.7%), iShares TR (8.1%) and iShares Inc. (3.8%).
What the accounts hold
- Stocks87%
- Bonds8%
- Investment grade corporate bonds4%
- U.S. government and agency bonds2%
- State and local bonds2%
- Cash5%
How many clients does Guidance Capital have?
Guidance Capital has 759 clients and manages $450 million for them, as of April 2026. They include 650 individual clients, 106 high-net-worth individuals and 3 charitable organizations.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 23 April 2026
What services does Guidance Capital offer?
Guidance Capital provides financial planning, portfolio management for individuals and small businesses, pension consulting, and selecting other managers.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Guidance Capital charge?
Guidance Capital charges 0.50%–2.00% a year for its Investment Management Services. The fee is billed in advance and is negotiable.
Source: GUIDANCE CAPITAL - ADV PART 2A BROCHURE, filed 12 February 2026
Which custodians does Guidance Capital use?
Guidance Capital’s separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $445M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 23 April 2026
How many financial advisors does Guidance Capital have?
Guidance Capital has 7 investment adviser representatives registered with state securities authorities, out of 10 employees, and 7 perform investment advisory functions. 3 employees are registered representatives of a broker-dealer and 6 employees are licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Guidance Capital invest in?
At the end of its last fiscal year, Guidance Capital’s separately managed accounts held 87% exchange-traded equities, 5% cash and equivalents, 4% investment grade corporate bonds, 2% U.S. government and agency bonds and 2% state and local bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Guidance Capital?
Guidance Capital’s direct owners are Beau Handy (50% to 75%) and Stephen Gibson (50% to 75%).
Source: Form ADV Part 1A, Schedules A and B, filed 23 April 2026
How does Guidance Capital get paid?
Guidance Capital is paid through a percentage of assets under management, hourly charges and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Guidance Capital?
Guidance Capital’s main office is at 2020 High Wickham Place, Suite 200, Louisville, KY 40245. Its phone number is 502-813-2100. Its website is guidancecapital.com.
