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Top Financial Advisors in Cincinnati, OH

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This review was produced by SmartAsset based on publicly available information. The named firm and its financial professionals have not reviewed, approved, or endorsed this review and are not responsible for its accuracy. Review content is produced by SmartAsset independently of any business relationships that might exist between SmartAsset and the named firm and its financial professionals, and firms and financial professionals having business relationships with SmartAsset receive no special treatment or consideration in SmartAsset’s reviews. This page contains links to SmartAsset’s financial advisor matching tool, which may or may not match you with the firm mentioned in this review or its financial professionals.

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 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 Cincinnati firms in tables and reviews.

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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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$78,024,335,638 Varies based on account type
  • Financial planning
  • Portfolio management
  • Selection of other advisers
  • Sub-advisor

Minimum Assets

Varies based on account type

Financial Services

  • Financial planning
  • Portfolio management
  • Selection of other advisers
  • Sub-advisor
2 Johnson Investment Counsel, Inc. Johnson Investment Counsel, Inc. logo Find an Advisor

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$18,763,707,876 No set account minimum
  • Financial planning
  • Portfolio management 
  • Pension consulting
  • Selection of other advisors

Minimum Assets

No set account minimum

Financial Services

  • Financial planning
  • Portfolio management 
  • Pension consulting
  • Selection of other advisors
3 Bahl & Gaynor, Inc. Bahl & Gaynor, Inc. logo Find an Advisor

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$17,565,552,525 $750,000
  • Financial planning
  • Portfolio management
  • Selection of other advisors
  • Publication of periodicals

Minimum Assets

$750,000

Financial Services

  • Financial planning
  • Portfolio management
  • Selection of other advisors
  • Publication of periodicals

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4 Bartlett & Co. Wealth Management, LLC Bartlett & Co. Wealth Management, LLC logo Find an Advisor

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$8,178,557,495 Varies based on account type
  • Financial planning
  • Portfolio management 
  • Selection of other advisors
  • Credit and cash management solutions

Minimum Assets

Varies based on account type

Financial Services

  • Financial planning
  • Portfolio management 
  • Selection of other advisors
  • Credit and cash management solutions
5 Truepoint, Inc. Truepoint, Inc. logo Find an Advisor

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$4,642,982,542 No set account minimum
  • Financial planning
  • Portfolio management 
  • Pension consulting

Minimum Assets

No set account minimum

Financial Services

  • Financial planning
  • Portfolio management 
  • Pension consulting
6 Wealth Dimensions Family Office, Inc. Wealth Dimensions Family Office, Inc. logo Find an Advisor

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$552,627,925 No set account minimum
  • Financial planning
  • Portfolio management
  • Advisor selection
  • Family office services

Minimum Assets

No set account minimum

Financial Services

  • Financial planning
  • Portfolio management
  • Advisor selection
  • Family office services
7 Constellation Wealth Advisors Constellation Wealth Advisors logo Find an Advisor

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$3,018,105,133 $1,000,000
  • Financial planning
  • Portfolio management
  • Pension consulting
  • Selection of other advisors
  • Publication of periodicals
  • Educational seminars

Minimum Assets

$1,000,000

Financial Services

  • Financial planning
  • Portfolio management
  • Pension consulting
  • Selection of other advisors
  • Publication of periodicals
  • Educational seminars
8 Foster & Motley, Inc. Foster & Motley, Inc. logo Find an Advisor

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$2,057,594,835 No set account minimum
  • Financial planning
  • Portfolio management 
  • Publication of periodicals
  • Educational seminars

Minimum Assets

No set account minimum

Financial Services

  • Financial planning
  • Portfolio management 
  • Publication of periodicals
  • Educational seminars
9 Wealthquest Corporation Wealthquest Corporation logo Find an Advisor

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$1,673,989,794 No set account minimum
  • Financial planning
  • Portfolio management 
  • Pension consulting
  • Tax return prep

Minimum Assets

No set account minimum

Financial Services

  • Financial planning
  • Portfolio management 
  • Pension consulting
  • Tax return prep
10 Octavia Wealth Advisors, LLC Octavia Wealth Advisors, LLC logo Find an Advisor

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$1,168,618,178 No set account minimum
  • Financial planning
  • Portfolio management
  • Pension consulting
  • Advisor selection

Minimum Assets

No set account minimum

Financial Services

  • Financial planning
  • Portfolio management
  • Pension consulting
  • Advisor selection

What We Use in Our Methodology

To find the top financial advisors in Cincinnati, we first identified all firms registered with the SEC in the city. Next, we filtered out firms that don't offer financial planning services, those that don't serve primarily individual clients and those that have disclosures on their record. The qualifying firms were then ranked according to the following criteria:

  • AUM
    Firms with more total assets under management are ranked higher.
  • Individual Client Count
    Firms who serve more individual clients (as opposed to institutional clients) are ranked higher.
  • Clients Per Advisor
    Firms with a lower ratio of clients per financial advisor are ranked higher.
  • Age of Firm
    Firms that have been in business longer are ranked higher.
  • Fee Structure
    Firms with a fee-only (as opposed to fee-based) compensation structure are ranked higher.

All information is accurate as of the writing of this article. This list may include firms that have a business relationship with SmartAsset, in which SmartAsset is compensated for lead referrals. Such relationships have no impact on our rankings, and firms are included and ranked based strictly on the above criteria.

Fort Washington Investment Advisors

The top firm in Cincinnati is Fort Washington Investment Advisors, a fee-based firm with the most in assets under management (AUM) of any firm on this list. When it comes to individuals, there are only high-net-worth clients on the firm’s roster. The firm also manages institutional money for investment companies, investment funds, retirement plans, charitable organizations, state or municipal government entities, insurance companies and corporations. Minimums range form $500,000 to $50 million, depending on the type of client you are.

The firm has a large staff of advisors, and the private client team includes advisory certifications such as certified financial planner (CFP), chartered financial analyst (CFA), chartered alternative investment analyst (CAIA) and certified wealth strategist (CWS).

Some advisors here work for an insurance company or a broker-dealer and may get commissions for selling financial 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

Johnson Investment Counsel

Johnson Investment Counsel is a fee-only firm. The firm has an impressive array of experience on its sizable staff of advisors. The team includes financial certifications such as chartered financial analyst (CFA), certified financial planner (CFP), certified trust and financial advisor (CTFA), certified public accountant (CPA), chartered alternative investment analyst (CAIA), accredited investment fiduciary (AIF) and chartered life underwriter (CLU), among others.

There is no required investment minimum to become a client of Johnson Investment Counsel. However, the firm's robo-advisor service requires a minimum of $5,000. A majority of the firm's clients are individuals, both with and without a high net worth. Typically, the firm’s clients are corporate executives, small business owners, physicians and retirees. 

Johnson Investment Counsel 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 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.

Bahl & Gaynor

Fee-only firm Bahl & Gaynor manages billions in AUM, 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, insurance companies and corporations. The minimum account size required is $750,000 and the minimum annual fee is $7,000.

The firm's staff includes several chartered financial analysts (CFAs), chartered investment counselors (CICs) and chartered life underwriter (CLU).

Bahl & Gaynor Background

Bahl & Gaynor was founded in 1990. Senior officers are the owners of the firm, including William F. Bahl and Vere W. Gaynor, the co-director emerituses 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 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

Bartlett & Co. Wealth Management

Bartlett & Co. 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, including chartered financial analyst (CFA), certified financial planner (CFP), certified public accountant (CPA), chartered alternative investment analyst (CAIA, accredited domestic partnership advisor (ADPA) and more.

To be a client, you’ll need to meet the minimums for the particular account or service you'll be using. These minimums range from $2 million to $10 million. Bartlett & Co. Wealth Management primarily serves high-net-worth individuals.

Bartlett & Co. Wealth Management Background

Founded in 1898, Bartlett & Co. Wealth Management is owned by Focus Financial Partners, LLC, which is a nationwide network of advisory firms. 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 & Co. Wealth Management Investing Philosophy

Bartlett & Co. 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

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

Unlike many 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 Background

Truepoint 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 Investing Philosophy

Truepoint 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.'"

Wealth Dimensions Family Office

Wealth Dimensions Family Office is the next firm on our list of the top financial advisors in Cincinnati. This firm works with a very small number of clients, but has a very significant amount of assets under management (AUM). As its name suggests, most of the firm's clients are family offices that fall into the high-net-worth individual category. It works with a few trusts as well, but those are the only two types of clients the firm currently works with.

Wealth Dimensions is a fee-based firm, as some advisors can earn commissions from the sale of financial products to clients. The firm's fiduciary duty, however, requires it to act in clients' best interests at all times. There is also no minimum account size requirement at Wealth Dimensions.

Wealth Dimensions Family Office Background

Wealth Dimensions Family Office was founded relatively recently, in 2015. It became an SEC-registered investment advisor in the same year. Thomas A. Curti, Douglas P. Loftus and Michael E. McCaw are the firm's owners. Loftus and Curti are the firm's co-founders and managing members. They are also both certified financial planners (CFP). There are several other CFPs, certified public accountants (CPAs) and other advisory certifications among the firm's team.

As the name suggests, Wealth Dimensions provides comprehensive family office services to its clients. This may include financial planning and portfolio management services.

Wealth Dimensions Family Office Investment Strategy

Being such a small firm, Wealth Dimensions Family Office works with all of its clients on an individual basis in an effort to provide advisory services that are as tailored as possible to the needs of its clients. Advisors develop a financial outline for each client. They also look to compile certain information from each client, such as their tolerance for risk and financial circumstances. This allows advisors to make personalized recommendations.

While each investment plan is specifically tailored to the needs of each client, the firm does tend to use particular investment methods across different accounts. Such methods include long- and short-term purchases, margin transactions and option trading and writing.

Constellation Wealth Advisors

Constellation Wealth Advisors, which also does business under the names Quadrant Capital Group and Quadrant Family Wealth Advisors, is the next firm on our list of the top financial advisors in Cincinnati. Quadrant and Constellation are the same entity, though each group provides slightly different services. The firm, as a whole, works mainly with individual clients. It works with slightly more high-net-worth individuals than non-high-net-worth individuals. Institutional clients include investment funds, charities, businesses and retirement plans.

Constellation has a required account minimum of $1 million. Clients working with the Quadrant side of the business typically need to meet a minimum of $10 million. These minimums may be waived at the firm's discretion.

Constellation is also a fee-based firm, since some advisors may receive commissions from the sale of insurance products. However, the firm is still a fiduciary that is legally obligated to act in the best interests of clients, despite this potential conflict of interest.

Constellation Wealth Advisors Background

Constellation Wealth Advisors was founded in 2009. The firm is owned by Patrick A. Lafley and John M. Williams. Williams and Lafley are also the firm's co-founders. Veith and Williams are chartered financial analysts (CFAs). The firm employs advisors with a number of other advisory certifications as well, such a certified financial planners (CFP).

Constellation Wealth Advisors and Quadrant provide clients investment management solutions that may entail financial planning as well as investment portfolio management. The firm may manage assets on a discretionary or non-discretionary basis. 

Constellation Wealth Advisors Investment Strategy

Constellation Wealth Advisors and its team look to tailor its wealth management services to the specific needs of its clients, much like many of the firms on this list. This process involves meeting with clients to determine such information as their tolerance for risk, time horizon and overall financial goals. This helps advisors craft portfolios and strategies that help clients on an individual basis.

Adivsors at Constellation do a significant amount of due dilligence when it comes to evaluating potential investments for client portfolios. The firm may take advantage of the services of qualified third-party money managers as well.

Foster & Motley

Foster & Motley 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 staff includes certifications such as certified financial planner (CFP), chartered financial analyst (CFA), certified public accountant (CPA), chartered mutual fund counselor (CMFC), chartered retirement plan counselor (CRPC) and more.

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.

Foster & Motley Background

Foster & Motley was originally established in 1996. It is owned by several 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 and estate planning.

Foster & Motley 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 has a client base that includes families, individuals with and without a high net worth, retirement plans, charitable organizations, trusts and estates. It also doesn't have a set minimum for new clients. The fee-only firm’s team includes several advisory certifications, such as certified financial planner (CFP), chartered financial analyst (CFA), certified public accountant (CPA), enrolled agent (EA) and more.

Wealthquest Corporation Background

Wealthquest Corporation was formed in 2006. The firm is completely employee-owned. The principal owners are CEO Wade Daniel, director of mission James Lenhoff, vice president Stephen King, chief operating officer (COO) Mark Bates, president David Kern and vice president Dan Larson.

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 (ETFs), structured notes, stocks, bonds, option contracts and certificates of deposit.

Octavia Wealth Advisors

Octavia Wealth Advisors has around 2,000 individual clients in its client base. Most of these individuals do not have a high net worth, though the firm also has around 200 high-net-worth clients. The firm’s institutional client base includes retirement plans, government entities and businesses. There is no specific minimum investment at Octavia.

The advisory team here holds quite a few certifications. Some of them include certified financial planner (CFP), chartered life underwriter (CLU), chartered financial consultant (ChFC), accredited investment fiduciary (AIF) and more.

Certain on-staff advisors at Octavia can sell insurance products and securities on a commission basis. Although this presents a potential conflict of interest, the firm’s fiduciary duty requires it to act in clients’ best interests.

Octavia Wealth Advisors Background

Octavia Wealth Advisors is a young firm, as it was founded in 2020. The firm is a wholly owned subsidiary of a holding company, Octavia Financial Holdings, LLC. The firm’s CEO is Maxim Meyers.

Investment management services at Octavia are customized to clients’ needs. Financial planning involves things like retirement planning, insurance needs planning, long-term savings planning and more.

Octavia Wealth Advisors Investing Strategy

Octavia Wealth Advisors meets with clients at the outset of their relationship with them. This meeting involves discussions surrounding the client’s time horizon, financial goals, risk tolerance and any other specialized needs. As your financial situation changes over time, the firm will adjust these characteristics and your investment plan.

The firm tends to invest for the long term. This means it’ll attempt to minimize the quantity of times it buys and sells investments in your name. The firm also usually invests in some combination of individual stocks and bonds, mutual funds and ETFs.

How Long $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 the cost of living in retirement for that location.

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

Methodology We weighed potential expenditures for a prospective retiree with a  $1 million nest egg to assess how many years that fund would cover in retirement in America’s largest cities.

We 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. Using this data, SmartAsset calculated the average cost of living for retirees in metro areas across the U.S.

We assumed the $1 million would grow at a net annual return of 2% after inflation. Then, we divided $1 million by the sum of each of those annual numbers to determine how long $1 million would cover retirement expenses in each of the cities in our study. Cities where $1 million lasted the longest ranked the highest in the study.