Walker Financial Services provides financial planning and portfolio management for individuals and small businesses. Financial planning was provided to 1,500 clients last fiscal year.
Walker Financial Services reports 1,828 clients. They include 1,772 individual clients and 56 high-net-worth individuals. Of its assets, 100.0% ($374M across 2,754 accounts) are managed with discretion. It advised 250 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 97% | 89% |
| High-net-worth individuals | 3% | 11% |
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 1,772 | $331M | 88.6% | $187K |
| High-net-worth individuals | 56 | $42.7M | 11.4% | $763K |
| Total | 1,828 | $374M | 100% | $204K |
- Clients
- 1,772
- Regulatory AUM
- $331M
- AUM share
- 88.6%
- Avg. per client
- $187K
- Clients
- 56
- Regulatory AUM
- $42.7M
- AUM share
- 11.4%
- Avg. per client
- $763K
Total
- Clients
- 1,828
- Regulatory AUM
- $374M
- AUM share
- 100%
- Avg. per client
- $204K
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 250
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 1500
Walker Financial Services charges 0.40%–1.25% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable.
| Asset band | Annual rate |
|---|---|
| $0–$50K | 1.25% |
| $50K–$500K | 0.80% |
| $500K–$1M | 0.60% |
| $1M and above | 0.40% |
Fee details and sources
Phillip Walker owns 75% or more of Walker Financial Services. The leadership team of Walker Financial Services includes President Phillip Walker and Chief Compliance Officer Carl Jurgens. It has 17 employees, 4 of them in advisory roles.
Leadership
- Phillip WalkerPresident/Director
- Carl JurgensChief Compliance Officer
Investment adviser representatives
5 representatives listed in the SEC register as of 9 October 2026.
- Heather Anne Hughes
- Carl William Jurgens
- Timothy J Reagan
- Phillip Anthony Walker
- Wesley Ryan Walker
Staff
- 17 employees
- 4 in advisory functions
- 4 state-registered reps
- 4 insurance agents
- Owns 75% or more of Walker Financial Services, Inc.
Phillip Walker
Control person · since January 1991
Walker Financial Services’ regulatory assets grew 2.9× from $127M (March 2021) to $374M (September 2026); clients rose from 1,059 to 1,828 and employees from 11 to 17.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | Employees | Offices |
|---|---|---|---|---|
| September 2026 | $374M | 1,828 | 17 | 3 |
| June 2025 | $313M | 2,711 | 17 | 3 |
| April 2024 | $239M | 2,148 | 14 | 4 |
| July 2023 | $190M | 1,878 | 12 | 3 |
| May 2022 | $185M | 1,663 | 11 | 3 |
| March 2021 | $127M | 1,059 | 11 | 3 |
Besides its headquarters, Walker Financial Services has 2 offices (1 private residence, listed without an address), with 2 listed addresses in Kentucky.
Kentucky · 2 listed addresses
- 2451 Industrial Drive, Bowling GreenHQ
- 8303 Shelbyville Road, Louisville
Other business names
Walker Financial Services has reported 2 other business names to the SEC.
- Tonywalkerfinancial.com
- Walker Financial Services
Contact and registration details
- Legal name
- Walker Financial Services, Inc.
- Headquarters
- 2451 Industrial Drive, Bowling Green, KY 42101
- Website
- tonywalkerfinancial.com
- Phone
- 270-843-9380
- SEC file
- 801-120466
- Structure
- Kentucky corporation
- Fiscal year end
- December
Walker Financial Services uses Charles Schwab ($374M) as custodian for its separately managed accounts. Walker Financial Services has custody of $199M in client assets for 1,354 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $374M100%
At year end, Walker Financial Services’ separately managed accounts were mostly in funds (84%) and cash (10%). Its reported 13F holdings for the quarter ended 30 June 2026 total $323M across 45 positions; the largest are iShares TR (13.3%), iShares TR (11.6%) and SPDR Series Trust (9.1%).
What the accounts hold
- Stocks5%
- Funds84%
- Bonds1%
- Cash10%
Reported 13F holdings
- $323M
- Reported 13F value
- 45
- Positions
- 80.6%
- In the 10 largest
- +10.6%
- Value vs. prior quarter
- iShares TR · Trs Flt RT BD13.3%
- iShares TR · Fltg Rate NT ETF11.6%
- SPDR Series Trust · ST Shor Corp. ETF9.1%
- Schwab Strategic TR · US Brd Mkt ETF8.3%
- Schwab Strategic TR · US Dividend EQ8.3%
- iShares TR · 0-5 YR Tips ETF7.6%
- Invesco Exch Traded FD TR II · Nasdaq 100 ETF6.5%
- Invesco Exchange Traded FD T · S&P500 Eql Wgt6.2%
- SPDR Series Trust · ST Inter BD ETF5.2%
- Schwab Strategic TR · Int-trm U.s Tres4.6%
Together, the ten largest are 80.6% of reported value.
How many clients does Walker Financial Services have?
Walker Financial Services has 1,828 clients and manages $374 million for them, as of September 2026. They include 1,772 individual clients and 56 high-net-worth individuals.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 1 September 2026
What services does Walker Financial Services offer?
Walker Financial Services provides financial planning and portfolio management for individuals and small businesses.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file
How much does Walker Financial Services charge?
Walker Financial Services charges 0.40%–1.25% a year for its Investment Management Services. Each asset band is charged at its own rate. The fee is billed in arrears and is negotiable.
Source: WALKER FINANCIAL SERVICES, INC. ADV BROCHURE PART 2A, filed 1 September 2026
Which custodians does Walker Financial Services use?
Walker Financial Services’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $374M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 1 September 2026
How many financial advisors does Walker Financial Services have?
Walker Financial Services has 4 investment adviser representatives registered with state securities authorities, out of 17 employees, and 4 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 4 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 Walker Financial Services invest in?
At the end of its last fiscal year, Walker Financial Services’ separately managed accounts held 84% registered funds (mutual funds, ETFs, BDCs), 10% cash and equivalents, 5% exchange-traded equities and 1% high-yield corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Walker Financial Services?
Walker Financial Services’ direct owner is Phillip Walker (75% or more).
Source: Form ADV Part 1A, Schedules A and B, filed 1 September 2026
How does Walker Financial Services get paid?
Walker Financial Services is paid through a percentage of assets under management. 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 Walker Financial Services registered with the SEC?
Yes, Walker Financial Services has been registered with the SEC as an investment adviser since 5 March 2021. Its CRD number is 145457 and its SEC file number is 801-120466.
Source: Form ADV Part 1A, Item 1, filed 1 September 2026; IAPD firm record
How do I contact Walker Financial Services?
Walker Financial Services’ main office is at 2451 Industrial Drive, Bowling Green, KY 42101. Its phone number is 270-843-9380. Its website is tonywalkerfinancial.com.