SmartVestor

Create Your College Savings Plan With a SmartVestor Pro

Don’t let college drag you into debt. Learn about your options and get ahead of college costs.

How to Save for College Without the Stress

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Create a College Savings Plan

A SmartVestor Pro can help you understand your options, like 529 plans and ESAs (Education Savings Accounts), and craft a strategy for your goals.

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Navigate the Rules

Timing, eligible costs, taxes—it can be overwhelming. SmartVestor Pros know the ins and outs and can help you set up a plan with confidence.

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Avoid Student Loans

Scholarships and financial aid may not completely cover college costs. Thankfully, going into debt isn't the only option for bridging the gap.

So What is Smartvestor?

SmartVestor is a free service that connects you with financial advisors and investment professionals in your area that are a part of our program. Simply submit the form below and you'll be matched with up to five SmartVestor Pros right away. After you interview them, you can choose who you want to work with and take charge of your goals.

You’ll Choose From SmartVestor Pros Who:

  • Treat you like a teammate. They teach and guide but don't intimidate. They know it's your money and keep you in charge.
  • Know our values. They understand Dave Ramsey's 7 Baby Steps and agree to our Code of Conduct.
  • Are experienced. They have at least two years of full-time experience as a registered investing professional.
  • Are coachable. They participate in ongoing coaching with us to help maintain our high standards of customer service.
What They Can Do

These financial advisors and other investing pros can help you with all of these needs and more. Ask what your SmartVestor Pro specializes in since it can vary from pro to pro.

College Savings Plans, Investment Advice, Financial Planning Retirement Plans, Portfolio Diversity, Estate Planning Financial Planning, Retirement Plans College Savings Plans, Investment Advice Estate Planning, Portfolio Diversity
finding good help should always be this simple

Find Your SmartVestor Pros

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Instantly see up to five pros. 
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By clicking the "Next" button, you agree to share your information with SmartVestor Pros and their firms and agree to Ramsey Solutions' Terms of Use and Privacy Policy .

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Where you can find your disclosures.

Real quick—the pro’s profile contains disclosures about their company (ADV Part 2A) and how we work with them (Solicitor Disclosure). The SEC wants you to confirm that you know where to find the disclosures and that we can send you an email with the details. Also, this may seem like a “duh” moment, but we gotta say it—any costs from accessing this info, like internet fees, phone charges or printing costs, are on you.

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FAQ

Nothing, zilch, nada. SmartVestor connects you to SmartVestor Pros for free.

Each SmartVestor Pro pays a fee to participate in the SmartVestor program. These fees are paid regardless of whether you decide to hire a SmartVestor Pro and are not passed along to you.

If you choose to share your information, up to five SmartVestor Pros will contact you within 24 hours to introduce themselves and help set up an appointment for you to interview them. Then, you can simply choose the SmartVestor Pro you want to work with. 

If you decide to hire a SmartVestor Pro, you'll enter into an agreement directly with that SmartVestor Pro (or his or her firm) to provide you with investment advice. SmartVestor does not monitor or control the investing services the SmartVestor Pros provide.

A SmartVestor Pro can show you how to make the most of your investments and help you create a plan to reach your retirement or other financial goals. And when the going gets rough—think stock market swings—they’ll be the voice of reason that calms your nerves. 

As a general guideline, we suggest you start investing in college savings plans after you:

  1. Are out of debt (other than your mortgage)
  2. Have saved 3–6 months of expenses in an emergency fund
  3. Are investing 15% of your income in retirement

And it doesn’t matter how young your children or grandchildren are—even if they’re not born yet—go ahead and get started. A SmartVestor Pro can guide you through every step.

To join the SmartVestor program, the pros must:
• Work for investment adviser or broker-dealer firms that are not affiliated with Ramsey
• Have at least two years of experience as a registered investing professional
• Understand Dave Ramsey’s 7 Baby Steps and agree to our Code of Conduct
• Participate in ongoing coaching with us to help maintain our high standards of customer service

The SmartVestor program does not provide investment advice or try to match you with a pro based on your individual needs. And it does not evaluate pros’ investing skills or performance or provide training on investing matters.

It’s up to you to make sure you’re on the same page as your SmartVestor Pro about investing and to understand the performance of your investments.

The SmartVestor Pros you’re matched with can include financial advisors and other types of financial professionals like investment advisors, financial planners, wealth managers and more. You may even see other terms like CFP (Certified Financial Planner), RR (registered representative) and RIA (registered investment advisor).

Think of “financial advisor” as an umbrella term that can represent many types of pros. Not everyone goes by the same title. But all SmartVestor Pros can help you invest. And many have additional specialties to help you with other financial goals like wealth management or estate planning.

A bunch of our pros are financial advisors, but heads up—that’s not the same thing as a financial aid advisor. If you’re looking for someone to help you invest in a college savings plan, a financial advisor is what you’re looking for. But if help navigating FAFSA and scholarships is really what you’re seeking, that’s financial aid advising. Expert advice is worth its weight in gold, but you can also get free number-crunching tools like our college savings calculator—a great way to start getting an idea how much money you’ll need to cover the full cost of college

SmartVestor™ is an advertising service for investing professionals operated by The Lampo Group, LLC d/b/a Ramsey Solutions (“Ramsey Solutions”). When you provide your contact information through the SmartVestor site, Ramsey Solutions will introduce you to up to five (5) investing professionals (“SmartVestor Pro(s)”) that are in your geographic area. It is up to you to interview the SmartVestor Pros and decide whether you want to hire them. If you decide to hire a SmartVestor Pro, you will enter into an agreement directly with that SmartVestor Pro to provide you with investment advisory services. The SmartVestor Pros sign a Code of Conduct under which they agree to certain general investment principles, such as eliminating debt and investing for the longer-term, that are consistent with Dave’s philosophy, but Ramsey Solutions does not monitor or control the investment advisory services the SmartVestor Pros provide.

The SmartVestor Pros have entered into an arrangement with Ramsey Solutions under which they pay Ramsey Solutions a flat monthly fee to advertise their services in the SmartVestor program and receive contact information for prospective investment advisory clients. The fees paid by the SmartVestor Pros to Ramsey Solutions are paid irrespective of whether you become a client of a SmartVestor Pro that advertises through the SmartVestor program and are not passed along to you. However, the presence of these arrangements may affect a SmartVestor Pro’s willingness to negotiate below their standard investment advisory fees, and therefore may affect the overall fees paid by clients introduced by Ramsey Solutions through the SmartVestor program. Please ask your SmartVestor Pro for more information about their fees.

Ramsey Solutions is not affiliated with any SmartVestor Pros and neither Ramsey Solutions nor any of its representatives are authorized to provide investment advice on behalf of a SmartVestor Pro or to act for or bind a SmartVestor Pro. No investment advisory agreement with a SmartVestor Pro will become effective until accepted by such SmartVestor Pro.

Neither Ramsey Solutions nor its affiliates are engaged in providing investment advice. Ramsey Solutions does not receive, control, access or monitor client funds, accounts or portfolios. Ramsey Solutions does not warrant any services of any SmartVestor Pro and makes no claim or promise of any result or success of retaining a SmartVestor Pro. Your use of the SmartVestor program, including the decision to retain the services of any SmartVestor Pro, is at your sole discretion and risk. Any services rendered by SmartVestor Pros you contact are solely that of the SmartVestor Pro. The contact links provided connect to third-party sites. Ramsey Solutions and its affiliates are not responsible for the accuracy or reliability of any information contained on third-party websites.