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Top Financial Advisors in Cincinnati, OH

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Finding a Top Financial Advisor Firm in Cincinnati, Ohio

For investors trying to find a top financial advisor in Cincinnati, this list of the Ohio city’s top 10 firms can help narrow the field. The list is the result of SmartAsset’s dozens of hours of research into the numerous financial advisor firms that Cincinnati has to offer. To make your search even easier, we’ve laid out what you need to know about these top 10 Cincinnati firms in tables and reviews. If you need more guidance in finding a top financial advisor, SmartAsset’s financial advisor matching tool can pair you with a financial advisor near you who suits your needs.

Rank Financial Advisor Assets Managed Minimum Assets Financial Services More Information
1 Fort Washington Investment Advisors Inc. Fort Washington Investment Advisors Inc. logo Find an Advisor

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$54,543,181,875 $500,000
  • Financial planning services
  • Portfolio management
  • Selection of other advisers
  • Sub-advisory

Minimum Assets

$500,000

Financial Services

  • Financial planning services
  • Portfolio management
  • Selection of other advisers
  • Sub-advisory
2 Bahl & Gaynor Investment Counsel Bahl & Gaynor Investment Counsel logo Find an Advisor

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$11,652,440,446 $750,000
  • Financial planning services
  • Portfolio management
  • Selection of other advisors (including private fund managers)
  • Publication of periodicals or newsletters

Minimum Assets

$750,000

Financial Services

  • Financial planning services
  • Portfolio management
  • Selection of other advisors (including private fund managers)
  • Publication of periodicals or newsletters
3 Johnson Investment Counsel, Inc. Johnson Investment Counsel, Inc. logo Find an Advisor

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$10,420,633,000

$500,000

  • Financial planning services
  • Portfolio management 
  • Pension consulting services
  • Selection of other advisors (including private fund managers)

Minimum Assets

$500,000

Financial Services

  • Financial planning services
  • Portfolio management 
  • Pension consulting services
  • Selection of other advisors (including private fund managers)
4 Bartlett Wealth Management Bartlett Wealth Management logo Find an Advisor

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$4,198,701,927

$500,000

  • Financial planning services
  • Portfolio management 
  • Selection of other advisors (including private fund managers)

Minimum Assets

$500,000

Financial Services

  • Financial planning services
  • Portfolio management 
  • Selection of other advisors (including private fund managers)
5 Truepoint, Inc. Truepoint, Inc. logo Find an Advisor

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$2,807,138,290 No set account minimum
  • Financial planning services
  • Portfolio management 
  • Pension consulting services

Minimum Assets

No set account minimum

Financial Services

  • Financial planning services
  • Portfolio management 
  • Pension consulting services
6 PCA Investment Advisory Service Inc. PCA Investment Advisory Service Inc. logo Find an Advisor

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$1,507,908,518 No set account minimum
  • Financial planning services
  • Portfolio management
  • Pension consulting services
  • Selection of other advisors (including private fund managers)

Minimum Assets

No set account minimum

Financial Services

  • Financial planning services
  • Portfolio management
  • Pension consulting services
  • Selection of other advisors (including private fund managers)
7 Foster & Motley Inc. Foster & Motley Inc. logo Find an Advisor

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$1,328,469,533 No set account minimum
  • Financial planning services
  • Portfolio management 
  • Publication of periodicals or newsletters

Minimum Assets

No set account minimum

Financial Services

  • Financial planning services
  • Portfolio management 
  • Publication of periodicals or newsletters
8 Wealthquest Corporation Wealthquest Corporation logo Find an Advisor

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$983,333,120

$50,000

  • Financial planning services
  • Portfolio management 
  • Pension consulting services
  • Tax return prep

Minimum Assets

$50,000

Financial Services

  • Financial planning services
  • Portfolio management 
  • Pension consulting services
  • Tax return prep
9 Osborn Williams & Donohoe LLC Osborn Williams & Donohoe LLC logo Find an Advisor

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$827,987,600 No set account minimum
  • Financial planning services
  • Portfolio management
  • Selection of other advisors (including private fund managers)
  • Publication of periodicals or newsletters

Minimum Assets

No set account minimum

Financial Services

  • Financial planning services
  • Portfolio management
  • Selection of other advisors (including private fund managers)
  • Publication of periodicals or newsletters
10 Simply Money Advisors Simply Money Advisors logo Find an Advisor

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$788,222,115

No set account minimum

  • Financial planning services
  • Portfolio management 
  • Educational seminars/workshops

Minimum Assets

No set account minimum

Financial Services

  • Financial planning services
  • Portfolio management 
  • Educational seminars/workshops

How We Found the Top Financial Advisor Firms in Cincinnati, Ohio

To make this list of the top 10 financial advisor firms in Cincinnati, SmartAsset first gathered all U.S. Securities and Exchange Commission (SEC)-registered firms in the city, as these firms have a fiduciary duty to act in their clients’ best interests. We then eliminated any firms from that list that did not have clean records, did not manage individual accounts or did not have financial planners on staff. After that, we sorted the remaining firms according to assets under management (AUM). The firms on this list are ranked from highest AUM to lowest.

Fort Washington Investment Advisors Inc.

Fort Washington Investment Advisors Inc.

The top firm in Cincinnati is Fort Washington Investment Advisors, Inc., a fee-based firm with more than $54.54 billion in assets under management (AUM). Though there are only high-net-worth clients on the firm’s roster, the minimum investment requirement is actually only $500,000. The firm also manages institutional money for investment companies, pooled investment vehicles, pension and profit-sharing plans, charitable organizations, state or municipal government entities, insurance companies and other corporations. 

The staff includes 89 advisors. The private client team includes six certified financial planners (CFPs), four chartered financial analysts (CFAs), two chartered alternative investment analysts (CAIAs) and one certified wealth strategist (CWS).

Investment management fees are charged based on a percentage of assets under management. Some advisors also work for an insurance company and may get commissions for selling products to clients. Though this represents a potential conflict of interest, fiduciary duty binds advisors to always act in the client’s best interest.

Fort Washington Investment Advisors, Inc. Background

Fort Washington Investment Advisors was founded in 1990. There are four companies that are principal shareholders of the company: Western & Southern Mutual Holding Company, Western & Southern Financial Group, The Western and Southern Life Insurance Company and Western & Southern Investment Holdings, LLC.

The firm’s services include:

  • Investment advisory services
  • Institutional advisory services
  • Wealth management

Fort Washington Investment Advisors, Inc. Investing Strategy

The following strategies are employed by advisors at Fort Washington: 

  • Long-term purchases
  • Short-term purchases
  • Short sales
  • Options
  • Domestic and international equities
  • Derivatives
  • Private equity investments

Bahl & Gaynor Investment Counsel

Bahl & Gaynor Investment Counsel

Fee-only firm Bahl & Gaynor Investment Counsel manages more than $11.65 billion, and all of its individual clients are high-net-worth. Institutional clients include investment companies, pension and profit-sharing plans, charitable organizations, state or municipal government entities and other corporations. Fees at the firm are based on a percentage of assets under management. Advisors do not earn commissions for selling products to clients. The minimum account size required is $750,000 and the minimum annual fee is $7,000.

The firm has 21 advisors on staff, including 10 chartered financial analysts (CFAs), nine chartered investment counselors (CICs), three certified financial planners (CFPs), one chartered wealth manager (CWM) and one certified public accountant (CPA).

Bahl & Gaynor Investment Counsel Background

The firm was founded in 1990. Senior officers are the owners of the firm, including William F. Bahl and Vere W. Gaynor, the presidents of the firm.

The firm’s services include:

  • Financial planning services
  • Portfolio management
  • Cash flow planning
  • Tax strategies
  • Estate planning
  • Education funding
  • Retirement planning

Bahl & Gaynor Investment Counsel Investment Strategy

A number of investment portfolio options are available from Bahl & Gaynor, including:

  • Quality Growth
  • Income Growth
  • Mid Cap Growth
  • Small Growth
  • Smig (Small/Mid Cap Income Growth) 
  • Total Return Bond Strategy

Johnson Investment Counsel, Inc.

Johnson Investment Counsel, Inc.

Johnson Investment Counsel is a fee-only firm with more than $10.42 billion in assets under management (AUM). The firm has an impressive array of experience on its sizable staff of 57 advisors. The team includes 27 chartered financial analysts (CFAs), 20 certified financial planners (CFPs), two certified trust and financial advisors (CTFAs), one certified public accountant (CPA), two chartered alternative investment analyst (CAIAs), one accredited investment fiduciary (AIF), one chartered life underwriter (CLU), one chartered financial consultant (ChFC) and one certified investment management analyst (CIMA).

To be a client of Johnson Investment Counsel, you’ll need at least $500,000. A majority of the firm's clients are individuals. Typically, the firm’s clients are corporate executives, small business owners, physicians and retirees. 

In 2017, Johnson Investment Counsel ranked No. 15 on Barron's list of the top 30 independent advisory firms. 

Johnson Investment Counsel, Inc. Background

Johnson Investment Counsel was founded in 1965 by Timothy E. Johnson, who wanted to bring together his interest in helping people with proven theories about security analysis and portfolio management. In its decades in business, Johnson Investment Counsel says that it has steadily grown to become Ohio's largest independent wealth management firm. The firm is completely employee-owned. 

Johnson Investment Counsel's services for individuals include investment management, goal-based planning, retirement planning, estate planning, insurance analysis and income tax planning. The firm also offers family office services, which include financial and income tax planning, insurance and asset protection, charitable planning, specialized lifestyle services, investment management, debt management and banking, business succession planning and estate and wealth transfer. 

Johnson Investment Counsel, Inc. Investing

Johnson Investment Counsel tailors its investment advisory services to fit client's unique financial situations, objectives, time horizons, risk tolerance and liquidity needs. The firm works as a team to formulate investment strategies and manage portfolios, which allows for a blend of expertise to go into each portfolio. Johnson Investment Counsel relies on strategic and tactical asset allocation to minimize risk, and it typically uses individual stocks and bonds in its client portfolios.  

Notably, tax efficiency isn't a priority for Johnson Investment Counsel when it creates its client portfolios. The firm recommends that clients consult with tax professional regarding their investments.

Bartlett Wealth Management

Bartlett Wealth Management

Bartlett Wealth Management has been in business for more than a century. Founded in 1898, this fee-only firm has by far the most years of experience out of any firm on this list. On top of its years of experience, the firm’s staff boasts an array of certifications. There are 11 chartered financial analysts (CFAs), four certified financial planners (CFPs), one certified public accountant (CPA), one chartered alternative investment analyst (CAIA) and one accredited domestic partnership advisor (ADPA). 

To be a client, you’ll need at least $500,000. Bartlett Wealth Management primarily serves high-net-worth individuals.

Bartlett Wealth Management LLC Background

Founded in 1898, Bartlett Wealth Management is completely employee-owned. The firm takes a team approach to serving its clients. Each client has a full team, which includes advisors and a client relationship associate, dedicated to their account. 

That team is backed by the firm's in-house research analysts, who are responsible for identifying, analyzing and monitoring investment opportunities. Bartlett says that it "encourages an environment of critical debate" among researchers and advisors to make sure investment decisions are thoroughly assessed. 

Bartlett's services include active investment management and financial planning. Its financial planning services encompass assistance with:

  • Retirement planning
  • Financial impact of divorce 
  • Managing an inheritance
  • Stock option exercise
  • Planning for the birth of a child or a grandchild
  • Managing a large stock position
  • Coping financially with an elderly parent
  • Coping financially with the death of a spouse or life partner
  • Planning and funding charitable contributions
  • Taking advantage of an early retirement package

Bartlett Wealth Management Investing Philosophy

Bartlett Wealth Management says that it believes that wealth preservation is "more valuable than promises of big return.” Thus, it prioritizes stability when selecting investment opportunities. The firm believes that the best way to manage risk is through portfolio diversification across uncorrelated asset classes. Its investment recommendations are based off of clients' objectives and risk tolerance. 

Bartlett’s investment approaches include fixed income, equity management, alternative investments, environmental, social, governance (ESG) investing and the Bartlett Fund Advantage, the firm's roster of mutual funds and ETFs.

Truepoint, Inc.

Truepoint, Inc.

Truepoint, Inc.’s team has an impressive number of certifications. The fee-only firm has 24 certified financial planners (CFPs) on staff, which is the most of any firm on this list. In addition, it has 13 certified public accountants (CPAs), seven chartered financial analysts (CFAs), two certified trust and financial advisors (CTFAs), one chartered alternative investment analyst (CAIA) and one certified estate planner (CEP).

Unlike most firms on this list, Truepoint does not have a mandatory account minimum. However, it gives suggested account minimums for each of its services to help investors decide whether the services are suited to their needs. Truepoint suggests a minimum portfolio of $3 million for its wealth management services and a minimum of $20 million for its family office services.

Truepoint, Inc. Background

Truepoint, Inc was founded in 1990 by Michael Chasnoff, the firm's current CEO. It’s 100% employee-owned.

The firm calls its comprehensive wealth management services True Wealth Management. True Wealth Management includes:

  • Investment portfolio design and tax efficient management
  • Financial planning
  • Budgeting and cash flow planning
  • Income tax planning and preparation
  • Estate planning
  • Insurance analysis
  • Personal action plan

In addition, Truepoint offers family office services, such as generational planning and family governance, trust administration, bill paying, expense management and reporting and external account aggregation.

Truepoint, Inc. Investing Philosophy

Truepoint, Inc. describes its approach to investing as a "buy-hold-rebalance strategy." Rather than trying to time the market and suffer the high costs of active investing, Truepoint says that it instead focuses on finding a long-term strategy built around a client's objectives, long-term financial planning, low-cost funds and disciplined rebalancing. 

To do this, Truepoint first works with a client to determine his or her objectives, time horizon, cash flow needs and risk tolerance. From there, Truepoint designs what it calls an “intelligent portfolio,” which is diversified by asset class to minimize volatility. Index funds are chosen based on design and total cost. The firm primarily invests its clients in mutual funds and ETFs, though it may also advise clients on private equity investments, hedge funds and institutional grade investments.

After the portfolio is created, Truepoint rebalances as appropriate to maintain portfolio risk levels and "systematize 'sell high, buy low.'"

PCA Investment Advisory Service Inc.

PCA Investment Advisory Service Inc.

PCA Investment Advisory Services Inc. is a fee-based firm managing nearly $1.51 billion. There are nine advisors on staff, including four certified financial planners (CFPs), two qualified 401(k) administrators (QKAs), two qualified plan financial consultants (QPFCs), one certified public accountant (CPA), one chartered financial analyst (CFA), one accredited investment fiduciary (AIF) and one chartered retirement planning counselor (CRPC). Individual clients include some high-net-worth accounts, though most are not. The firm also advises pension and profit-sharing plans and corporations.

Fees for investment advising are based on a percentage of assets under management. Financial planning fees are either fixed or hourly. Advisors at the firm may also receive commissions for selling securities to clients. This is a conflict of interest, but the advisors are bound by fiduciary duty to act in the client’s best interest. The firm does not have a minimum account size requirement. 

PCA Investment Advisory Services Inc. Background

PCA Investment Advisory Services was founded in 2001. There are four shareholders who have at least a 10% stake in the company: Thomas Edward Seitz, president; James Robert Eckerle Jr., vice president and director; Zachary M. Burns, vice president, investments; and Justin Edward Seitz, investment advisor.

The firm’s services include:

  • Pension consulting services
  • Investment management services
  • Financial planning services
  • Life insurance
  • Retirement planning
  • Education planning

PCA Investment Advisory Services Inc. Investment Strategies

Generally speaking, long-term purchases are the preferred investing method for PCA advisors. This means buying securities and holding them for at least a year. This strategy is especially used for securities that advisors believe to be undervalued.

Short-term purchases, which are held for less than a year, are occasionally used when advisors think there is going to be a major market movement that it can exploit for return on behalf of the client.

Foster & Motley Inc.

Foster & Motley Inc.

Foster & Motley Inc. is a fee-only firm with a  mix of high-net-worth and non-high-net-worth clients. It also advises pension and profit-sharing plans,charitable organizations and corporations. The firm’s total assets under management (AUM) is nearly $1.33 billion. There are 18 advisors on the firm’s staff, including ten certified financial planners (CFPs), eight chartered financial analysts (CFAs), six certified public accountants (CPAs), one chartered mutual fund counselor (CMFC), one chartered retirement plan counselor (CRPC), one financial paraplanner qualified professional (FPQP) and one investment advisor certified compliance professional (IACCP).

The firm does not have a minimum account size but does charge an initial fee of $2,000 (paid over four quarters) for accounts worth less than $1 million and an additional yearly $800 financial retainer fee after the first year for accounts with less than $500,000.

Fees are based on a percentage of assets under management. Advisors do not earn commissions for selling clients securities or insurance products.

Foster & Motley Inc. Background

The firm was founded in 1996. It is owned by 11 individual shareholders, none of whom own a majority of the firm.

Services provided by the firm include:

  • Wealth management
  • Institutional investment management
  • Financial planning
  • Tax analysis
  • Budgeting
  • Retirement planning
  • Estate planning

Foster & Motley Inc. Investment Strategy

Advisors use a number of investment products to get return for clients, including:

  • Stocks
  • Bonds
  • Mutual funds
  • Alternative investments
  • Real estate

The firm also uses Charles Schwab Institutional Intelligent Portfolios Program. 

Wealthquest Corporation

Wealthquest Corporation

Wealthquest Corporation recommends that its clients, which include families, individuals, pension and profit-sharing plans, charitable organizations, business entities, trusts and estates, have at least $50,000. The fee-based firm’s team includes 12 certified financial planners (CFPs), two chartered financial analysts (CFAs), two certified public accountants (CPAs), two enrolled agents (EA) and four financial paraplanner qualifed professionals (FPQAs).

Wealthquest's affiliated company, Wealthquest Insurance Advisors, LLC, is a licensed insurance agency. Certain representatives of the firm act as insurance agents and recommend products on a commission basis. However, the fee-based firm is first and foremost bound by its fiduciary duty to act in clients' best interests.

Wealthquest Corporation Background

Wealthquest Corporation was formed in 2006. The firm is completely employee-owned. CEO Wade Daniel and President James Lenhoff are the principal owners. 

Wealthquest's services include investment management, retirement planning, estate planning, college planning, insurance evaluation, tax prep and planning, legacy planning and advanced charitable strategies. Rather than one advisor serving a client, everyone at the firm works as a team to assess and manage investment plans. 

Wealthquest Corporation Financial Paths

Wealthquest Corporation’s investment management services are broken down into three different financial paths, each of which have different account minimums:

  • Ascend: For clients with less than $350,000, Ascend is described as the "base camp for your financial journey." Financial planning is offered as a separate service for these investors.
  • Expeditions: For clients with at least $350,000, Expeditions is aimed at investors who are facing a life transition or who need guidance through key decisions. This service includes a financial plan, tax planning, estate planning and investment planning.
  • Summit: For clients with more than $2.5 million, Summit caters to people who have achieved financial independence and who want to figure out how to manage their wealth. In addition to the offerings of Expeditions, Summit includes family legacy planning and advanced charitable strategies. 

For each of these investment advisory services, Wealthquest allocates clients' assets according to their determined investment objectives. The firm primarily uses mutual funds, exchange-traded funds, structured notes, stocks, bonds, option contracts and certificates of deposit.

Osborn Williams & Donohoe LLC

Osborn Williams & Donohoe LLC is a fee-only financial advisor firm managing nearly $827.99 million for high-net-worth individuals and charitable organizations. Though the firm has no individual clients who are not high-net-worth, it does not provide a minimum account size. There are five advisors on the firm’s staff, including three chartered financial analysts (CFAs).

Fees at Osborn are based on a percentage of assets under management. Advisors do not earn commissions for making sales of securities or other financial products to clients.

Osborn Williams & Donahoe Background

The firm was founded in 2012. The only shareholder owning more than 25% of the firm is David P. Osborn, who also works as an advisor at the firm. 

Services offered by the firm include:

  • Investment advisory services
  • Individual portfolio management

Osborn Williams & Donahoe Investment Strategy

There are five basic investment strategies used at Osborn:

  • Dividend growth: investing in companies with potential for dividends that also could provide long-term capital appreciation
  • Income equity: investing in common stocks with potential for capital appreciation
  • Opportunity growth: seeking capital appreciation through investments in fast-growing companies
  • Balanced portfolio strategy: a mix of equity and fixed-income investments
  • Fixed income strategy: investing in fixed income across class and sector

Simply Money Advisors

Simply Money Advisors

Simply Money Advisors serves a majority individuals and only a small percentage of high-net-worth individuals. The fee-based firm requires a minimum investment of $100,000 to open an account. Its team includes 10 certified financial planners (CFPs), one chartered financial counselor (ChFC) and one accredited asset management specialist (AAMS). 

Some of the firm's employees are licensed insurance agents and may recommend products. Though the firm receives additional revenue for the sale of insurance products, its financial advisors are bound by fiduciary duty to put clients' best interests first.

Simply Money Advisors Background

Simply Money Advisors has been in business as a registered investment advisory firm since 1995. The firm's principal owners are CEO Nathan Bachrach and President Edward Finke.

Simply Money Advisors describes itself as a “financial planning partner.” The firm considers a personalized financial plan the foundation to all of its services. Clients' objectives, budget and risk tolerance - all of which are out outlined in their financial plans - guide the firm's creation of client portfolios. Simply Money Advisors' independent Investment Committee and economic advisory board work together to produce market insights and make investment decisions.

Simply Money Advisors Core-Satellite Investing

Simply Money Advisors' approach to investing is called core-satellite. To achieve a strategic investment mix in its portfolio, Simply Money Advisors breaks its clients' investments into two parts. The core part is designed to protect assets and includes investments that are historically shown to be stable over the long term. The satellite portion is intended to help clients' money grow and it includes market opportunities that the firm has identified. 

The firm believes that exchange-traded funds are key to achieving the goals defined in clients' financial plans, though it also uses other investments. Simply Money Advisors clients can select from an array of investment portfolios, including diversified income, balanced income, conservative income, income, conservative growth, moderate growth, growth and aggressive growth.

How Many Years $1 Million Lasts in Retirement

SmartAsset's interactive map highlights places where $1 million will last the longest in retirement. Zoom between states and the national map to see the top spots in each region. Also, scroll over any city to learn about cost of living in retirement there.

Least
Most
Rank City Housing Expenses Food Expenses Healthcare Expenses Utilities Expenses Transportation Expenses

Methodology SmartAsset calculated the average cost of living for retirees in the largest U.S. cities. Using that calculation, we determined how many years $1 million would last in retirement in each major city.

First, we looked at data from the Bureau of Labor Statistics (BLS) on the average annual expenditures of seniors throughout the country. We then applied cost of living data from the Council for Community and Economic Research to adjust those national average spending levels based on the costs of each expense category (housing, food, healthcare, utilities, transportation and other) in each city.

We assumed the $1 million would grow at a real return (interest minus inflation) of 2%, reflecting the typical return on a conservative investment portfolio. Finally, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would last in each of the cities in our study.

Sources: Bureau of Labor Statistics (BLS), Council for Community and Economic Research