Last updated: 2025 BLS data · Page refreshed:
How much does a Personal Financial Advisors actually take home in Kentucky?
4.0% flat rate — 21.5% effective total tax rateData: BLS OEWS 2025 + IRS/State Tax Brackets 2024 • Updated 2026-05-19
Detailed line-by-line tax calculation for a Personal Financial Advisors earning $67,150 in Kentucky (single filer, standard deduction).
| Tax Component | Annual Amount | Effective Rate |
|---|---|---|
| Gross Salary (Median) | $67,150 | — |
| Federal Income Tax | -$6,614 | 9.8% |
| Kentucky State Income Tax | -$2,686 | 4.0% |
| Social Security (OASDI) | -$4,163 | 6.2% |
| Medicare | -$973 | 1.5% |
| Total Taxes | -$14,436 | 21.5% |
| Take-Home Pay | $52,713 | 78.5% |
Take-home pay varies significantly across experience levels. Here is the after-tax breakdown for each salary percentile of Personal Financial Advisors in Kentucky.
| Percentile | Gross Salary | Total Taxes | Take-Home Pay | Tax Rate |
|---|---|---|---|---|
| 10th Percentile (P10) | $43,880 | -$8,393 | $35,486 | 19.1% |
| 25th Percentile (P25) | $45,220 | -$8,710 | $36,509 | 19.3% |
| Median (P50) | $67,150 | -$14,436 | $52,713 | 21.5% |
| 75th Percentile (P75) | $114,350 | -$30,319 | $84,030 | 26.5% |
| 90th Percentile (P90) | $281,230 | -$90,206 | $191,023 | 32.1% |
After federal income tax ($6,614), state tax ($2,686), and FICA ($5,136), a Personal Financial Advisors in Kentucky takes home $52,713 per year — or $4,392 per month. The effective tax rate of 21.5% is relatively low compared to the national range.
With an effective total rate of 21.5%, a Personal Financial Advisors in Kentucky keeps $52,713 of $67,150 gross — roughly typical for U.S. middle-income earners once federal, FICA and state taxes are combined.
Kentucky applies a flat state income tax — every dollar of wage income is taxed at the same rate. For this Personal Financial Advisors salary that contributes $2,686 to the 4.0% effective state-tax burden.
Federal tax on this Personal Financial Advisors salary is $6,614 (46%), but combined state ($2,686, 19%) + FICA ($5,137, 36%) make up the other 54% of the bill.
Moving this same Personal Financial Advisors salary to a zero-state-tax state would yield around $55,399 net — a gain of $2,686 (5.1%) per year versus Kentucky.
Kentucky sits near the bottom (#48 of 49) for Personal Financial Advisors after-tax earnings. Relocation, negotiation, or credential stacking typically show the clearest ROI in bottom-quartile states.
Translated into paycheck cadences, $52,713 net/year works out to $4,393/month or $2,027/bi-weekly for this Personal Financial Advisors in Kentucky — the numbers that actually hit a checking account after every deduction.
Where does a Personal Financial Advisors keep the most of their paycheck? Top 10 states ranked by after-tax take-home pay.
Kentucky ranks #48 out of 49 states for Personal Financial Advisors after-tax take-home pay.
A Personal Financial Advisors in Kentucky earning a median salary of $67,150 will take home approximately $52,713 per year after federal income tax ($6,614), state income tax ($2,686), and FICA ($5,136). That is $4,392 per month or $2,027 per bi-weekly paycheck.
The effective total tax rate for a Personal Financial Advisors in Kentucky is 21.5%, broken down as: federal income tax 9.8%, Kentucky state tax 4.0%, and FICA (Social Security + Medicare) 7.7%. This assumes a single filer with the standard deduction for 2024.
Kentucky has a 4.0% flat rate. On a Personal Financial Advisors's median salary of $67,150, the state income tax amounts to $2,686 per year, which is an effective state rate of 4.0%.
After all taxes, a Personal Financial Advisors in Kentucky takes home approximately $4,392 per month, or about $25.34 per hour (based on a standard 2,080-hour work year). These figures assume a single filer, standard deduction, and no additional pre-tax deductions.
We start with the 2025 BLS median salary of $67,150 for Personal Financial Advisors in Kentucky, then subtract: federal income tax using 2024 IRS brackets ($14,600 standard deduction), Kentucky state income tax (4.0% flat rate), Social Security (6.2% up to $168,600), and Medicare (1.45%). The result — $52,713/yr — does not include local taxes, pre-tax deductions (401k, HSA), or tax credits.
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This estimate assumes a single filer using the 2024 standard deduction ($14,600), with W-2 employment income only. It does not account for: itemized deductions, tax credits (e.g. earned income credit, child tax credit), local/city taxes, pre-tax contributions (401k, HSA, FSA), self-employment tax, or additional income sources. Actual take-home pay may differ. Consult a tax professional for personalized advice.
Our Methodology · Data Sources · Salary: BLS OEWS · Tax: IRS + State DOR