We help you grow wealth, and protect what you've built
A proactive, customized approach to managing market risk, preserving wealth, reducing the impact of taxes, and helping you keep more of what you have worked to build.
Wallace Hart Capital Management, Fiduciary Wealth Management in Lexington KY
Imagine the Possibilities
for Your Retirement
We help you see what your wealth can make possible, then build the strategy to pursue it, always as a fiduciary, with your interests first. Investment management, retirement planning, tax planning, and estate planning, brought together into one clear picture.
5.0 from 17 Google reviewsRead client reviews
Our clients work at companies and universities like these
Institutions and employers listed are workplaces of Wallace Hart clients. Listing does not imply an endorsement of, affiliation with, or sponsorship by any institution or employer named.
Who we work with
Three kinds of clients, each with their own questions
Start with the one that sounds like you.
Building Wealth?
Your portfolio may be growing, but is your strategy also helping you manage risk, make tax-aware decisions, and protect what you've built?
See how we investApproaching Retirement?
You've accumulated substantial savings, but have you considered how investment decisions, taxes, and retirement income could work together?
See how we planAccessing Your Money?
You've worked hard to build your wealth. Now, how do you turn what you've accumulated into a reliable source of income while managing taxes, protecting your savings, and planning for what comes next?
See tax-smart retirement incomeWork at a university? We help faculty and staff make the most of their retirement plans and benefits.
University employeesIn our clients' words
What working with us is like
I have had an excellent experience with Wallace Hart Capital Management. Setting long term goals and money management is not my strong suit, and I have felt very supported talking to my financial advisor, Brandon Smith. He is very personable and breaks everything down step by step in an easy-to-understand way. He maintains contact and is available for any of my questions. Highly recommend.
To find a financial planner going into retirement is one of the most important and scariest decisions. You have to not only find someone you can trust, they must be able to establish a portfolio that meets your specific retirement goals. Wallace Hart Capital Management is a fiduciary and therefore never attempts to sell you anything. They work hard to listen and provide a plan that meets your goals, not theirs. There is never any pressure, only support and careful planning. I only wish I would have found them sooner in my retirement planning. A true first rate company you can trust.
With retirement fast approaching for us both, my wife and I needed personalized plans that would help secure our financial futures. Wallace-Hart have done exactly that. All members of the team are a delight to work with.
Reviews are published by clients on Google and are shown as written. No compensation was paid for any review. Reviews reflect the experience of the individual client and are not a guarantee of future results or indicative of any other client's experience.
How it works
Turn possibility into a plan
Three stages, and you always know which one you are in. A clear path from first conversation to ongoing management, so there is never a question about what happens next.
We start with your goals, your preferences, and what matters most to you. Fit matters in both directions, so this stage is about understanding each other before any strategy is built.
- Your goals, wants, and preferences
- Where things stand for you today
- What a good fit looks like for both of us
How we invest
Invested when the market is healthy. Defensive when it is not.
A portfolio that is set once and left alone has no way to defend itself. When the market falls, it falls right along with it. Ours is built to respond: invested to grow while the trend is healthy, defensive when it breaks down, and able to move all the way to cash.
The math is unforgiving. A 50% loss takes a 100% gain just to get back to even, which is why we agree on how much you could stand to lose before we talk about how much you could make.
When the trend is healthy, the growth portion of your portfolio stays invested. The market is the most powerful wealth-building tool most people will ever have, and while it is working, our job is to let it work.
Nobody can predict markets, and this process does not try to. No process sells at the top and buys at the bottom. The aim is to come through the bad stretches with enough intact to keep compounding.
Four principles
How we work
We solve problems together
Our team looks at your financial life from every angle: investments, retirement, taxes, estate considerations, and changing circumstances. Someone is always looking at the bigger picture.
We practice what we preach
We use the strategies we recommend in our own business and our own portfolios. Our advice is advice we live by.
We teach, not just advise
We explain the thinking behind our recommendations, so you understand your choices and can decide with greater confidence.
What we do
One picture, brought together
Grow it. Keep more of it. Make it work for what matters. Financial planning, with retirement income at its center, plus investment management, tax planning, and estate planning, managed as one plan rather than four separate conversations.
Imagine the Possibilities
What could your wealth make possible?
A first conversation costs nothing and commits you to nothing. We will talk about where you are, what you want, and whether we are the right fit. If we are not, we will tell you.