KY investment adviser bonds.
1.5% rate, $100 minimum.
Kentucky registers state investment advisers through the Department of Financial Institutions under KRS 292.330 — and its net-worth rules let an adviser substitute a surety bond for required net worth, so the bond amount tracks your custody and discretion profile. Ours is 1.5% of the bond amount, $100 minimum, the bond issues the moment you pay, and any credit screen is a soft pull only — it never affects your score.
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Three steps. One sitting.
Investment adviser bonds are among the simplest filings in surety. Here's the entire process:
Apply online
Business details, your bond amount, an effective date, and a term. That is the entire application — any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
The premium is 1.5% of the bond amount, $100 minimum, priced at checkout — the bond issues the moment you pay, and your executed bond and power of attorney generate on the spot.
File with the DFI
Your executed bond arrives by email, ready to file with the Securities Division of the Kentucky Department of Financial Institutions alongside your adviser registration. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Kentucky registers investment advisers through the Department of Financial Institutions under KRS 292.330, the registration section of the Securities Act of Kentucky. The DFI's financial-responsibility rules set minimum net worth for state-registered advisers — higher when the adviser has custody of client funds or securities, lower when it holds only discretionary authority — and allow a surety bond to substitute for most of that required net worth.
It's a three-party arrangement: you (the principal), the surety carrier, and the Commonwealth of Kentucky (the obligee). The bond stands behind your compliance with the Securities Act — the fiduciary, disclosure, and conduct rules that protect advisory clients — and gives a harmed client a source of recovery the net worth would otherwise provide.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond must stay on file for as long as you rely on it in place of net worth, so it has to remain continuously in force; we track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — business details, your bond amount, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Kentucky bonds.
Finish your adviser registration today.
1.5% of the bond amount, $100 minimum, issued the moment you pay, soft pull only. Free until issued.