Principled Wealth Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, education planning, estate planning, insurance, philanthropic planning, and tax planning.
Principled Wealth Advisors reports 157 clients. They include 97 high-net-worth individuals, 53 individual clients, and 5 corporations and other businesses. Of its assets, 98.1% ($247M across 758 accounts) are managed with discretion; $4.69M across 25 accounts are not.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 34% | 11% |
| High-net-worth individuals | 62% | 79% |
| Charitable organizations | 1% | 1% |
| Corporations and other businesses | 3% | 8% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 53 | $28.6M | 11.3% | $539K |
| High-net-worth individuals | 97 | $200M | 79.2% | $2.06M |
| Charitable organizations | Fewer than 5 | $2.86M | 1.1% | $1.43M |
| Corporations and other businesses | 5 | $21M | 8.3% | $4.2M |
| Total | 157 | $252M | 100% | — |
- Clients
- 53
- Regulatory AUM
- $28.6M
- AUM share
- 11.3%
- Avg. per client
- $539K
- Clients
- 97
- Regulatory AUM
- $200M
- AUM share
- 79.2%
- Avg. per client
- $2.06M
- Clients
- Fewer than 5
- Regulatory AUM
- $2.86M
- AUM share
- 1.1%
- Avg. per client
- $1.43M
- Clients
- 5
- Regulatory AUM
- $21M
- AUM share
- 8.3%
- Avg. per client
- $4.2M
Total
- Clients
- 157
- Regulatory AUM
- $252M
- 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
- 0
Principled Wealth Advisors charges up to 1.00% a year for its Investment Management Fee. The fee is billed in advance or in arrears and is negotiable. The brochure also prices 4 other services, listed under fee details.
Fee details and sources
Other fees
- 529 Plan Service
- Asset-based fee of up to 0.50% annually where the 529 plan allows direct deduction; otherwise a fixed annual fee, typically $200 per account.
- Consulting Services
- Consulting is a flat fee based on scope and complexity, typically $2,000 to $10,000, and is negotiable.
- Financial Planning
- Standalone financial planning is a flat fee, typically $2,000 to $30,000 depending on scope and complexity, and is negotiable.
- Retirement Plan Advisory Services
- Advisory fee based on assets under management, negotiated with the plan sponsor, not to exceed 1.0% annually.
Jereme Ransick owns 75% or more of Principled Wealth Advisors. It has 5 employees, 2 of them in advisory roles.
Leadership
- Luke MerryFinancial Advisor, Member
- Jereme RansickCOO, Financial Advisor, Member, CCO
Investment adviser representatives
2 representatives listed in the SEC register as of 9 October 2026.
- Luke Thomas Merry
- Jereme Sebastian Ransick
Staff
- 5 employees
- 2 in advisory functions
- 2 state-registered reps
- 1 insurance agent
- Owns 75% or more of Principled Wealth Advisors, LLC
Jereme Ransick
Control person · since January 2016
Besides its headquarters, Principled Wealth Advisors has 0 offices, with 1 listed address in Kentucky.
Kentucky · 1 listed address
- 100 East Rivercenter BLVD, Suite 810, CovingtonHQ
Contact and registration details
- Legal name
- Principled Wealth Advisors, LLC
- Headquarters
- 100 East Rivercenter BLVD, Suite 810, Covington, KY 41011-1513
- Website
- principledwealth.net
- Phone
- 859-957-2737
- @principled-wealth-advisors
- SEC file
- 801-136333
- Founded
- 2004
- Structure
- Kentucky LLC
- Fiscal year end
- December
Principled Wealth Advisors uses SEI Private Trust ($232M) as custodian for its separately managed accounts. Principled Wealth Advisors does not have custody of client assets.
- SEI Private TrustSEI Private Trust Company · Oaks, PA · $232M100%
At year end, Principled Wealth Advisors’ separately managed accounts were mostly in funds (63%) and stocks (27%).
What the accounts hold
- Stocks27%
- Exchange-traded equities24%
- Non-exchange-traded equities3%
- Funds63%
- Bonds3%
- State and local bonds2%
- U.S. government and agency bonds1%
- Cash3%
- Other4%
- Advisory annuities4%
How many clients does Principled Wealth Advisors have?
Principled Wealth Advisors has 157 clients and manages $252 million for them, as of June 2026. They include 97 high-net-worth individuals, 53 individual clients, and 5 corporations and other businesses.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 22 June 2026
What services does Principled Wealth Advisors offer?
Principled Wealth Advisors provides financial planning, portfolio management for individuals and small businesses, portfolio management for institutions, pension consulting, selecting other managers, education planning, estate planning, insurance, philanthropic planning, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Principled Wealth Advisors charge?
Principled Wealth Advisors charges up to 1.00% a year for its Investment Management Fee. The fee is billed in advance or in arrears and is negotiable.
Which custodians does Principled Wealth Advisors use?
Principled Wealth Advisors’ separately managed account assets are held at SEI Private Trust Company (Oaks, PA), with $232M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 22 June 2026
How many financial advisors does Principled Wealth Advisors have?
Principled Wealth Advisors has 2 investment adviser representatives registered with state securities authorities, out of 5 employees, and 2 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Principled Wealth Advisors invest in?
At the end of its last fiscal year, Principled Wealth Advisors’ separately managed accounts held 63% registered funds (mutual funds, ETFs, BDCs), 24% exchange-traded equities, 4% other, 3% non-exchange-traded equities, 3% cash and equivalents, 2% state and local bonds and 1% U.S. government and agency bonds. The 4% other category is described as: Advisory Annuities.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Principled Wealth Advisors?
Principled Wealth Advisors’ direct owner is Jereme Ransick (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 22 June 2026
How does Principled Wealth Advisors get paid?
Principled Wealth Advisors is paid through a percentage of assets under management 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
Is Principled Wealth Advisors registered with the SEC?
Yes, Principled Wealth Advisors has been registered with the SEC as an investment adviser since 26 May 2026. Its CRD number is 138143 and its SEC file number is 801-136333.
Source: Form ADV Part 1A, Item 1, filed 22 June 2026; IAPD firm record
How do I contact Principled Wealth Advisors?
Principled Wealth Advisors’ main office is at 100 East Rivercenter BLVD, Suite 810, Covington, KY 41011-1513. Its phone number is 859-957-2737. Its website is principledwealth.net.