Ramsey SmartVestor

Invest and Plan for Your Future With a SmartVestor Pro

Find a pro near you to help you navigate the market. The SmartVestor program connects you for free.


Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more.

  • 20+ years matching people with pros
  • Investing pros across the United States
  • Over 675,000 connections made last year

How a SmartVestor Pro Can Help With Your Goals

They listen to what matters to you.

Your goals for the future. Where you are in your financial journey. The questions you have. All of that matters to your SmartVestor Pro and helps them know how to guide you.

They teach you about your options.

SmartVestor Pros can help you understand investing options like mutual funds, IRAs, 401(k)s and 529 college savings accounts. They can help with other wealth planning services too.

They serve while keeping you in charge.

While they can invest your money and help manage your financial plans, SmartVestor Pros don’t intimidate. They know it’s your money and put your goals first.

Find Your SmartVestor Pros

What They Can Do

The Ramsey SmartVestor program connects you with financial advisors and other investing professionals who can help you with these services and more:

  • Financial Planning

    Get a whole-picture perspective of your financial goals and support for each step of the journey.

  • Investment Advice

    Get clear on your options, ways to diversify your portfolio, and complex investing concepts.

  • Retirement Planning

    Learn how to use a Roth IRA, 401(k), traditional IRA or other accounts to your advantage.

  • Wealth Management

    Have a large nest egg? Get help to invest and protect it––and leave a legacy for those you care about.

  • College Savings Plans

    Learn the ins and outs of college savings plans, like timing, eligible costs, investment options and taxes.

  • Estate Planning

    Make a plan for your family’s future and the wishes you want carried out after you pass away.

Be sure to discuss your needs and goals with a SmartVestor Pro—and ask questions—before you hire one. The services that one pro offers can be different from another. You should also know that the SmartVestor program itself doesn’t provide investing services or monitor the services that pros provide.

Find Your Pros

A Snapshot of SmartVestor Standards

Not just anyone can be a SmartVestor Pro!

To join the SmartVestor program, pros must:

• 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.
• Be experienced. They have at least two years of full-time experience as a registered investing professional.
• Be coachable. They participate in ongoing coaching to help them maintain high standards of customer service.

Find Your SmartVestor Pros

Have a Question?

We’re here to help! If you have a question about the SmartVestor program that’s not answered below, call 866.523.8473 or send us an email.

Become a SmartVestor Pro

Are you a registered investing professional interested in joining our SmartVestor program?

Apply Now

Share the SmartVestor Program

Common Questions (and Answers)

The SmartVestor program is a free service that connects you with financial advisors and other investment professionals who serve your area.

The program was created by Dave Ramsey and his team over 20 years ago, after they noticed how many people turned to Ramsey shows and content for help with investing.

Since then, the SmartVestor program has connected millions of people to pros who lead with the heart of a teacher.

We generally suggest that you start investing after:

  • You’ve paid off all your debt (except for your mortgage)
  • You’ve saved up 3–6 months’ worth of living expenses in an emergency fund

That said, everyone’s situation is unique, so make sure to discuss yours with an investment professional.

Once you fill out the form, we’ll match you with up to five different SmartVestor Pros who serve your area. Then, you’ll have two options to connect. You can:

  • Schedule an appointment with as many pros as you like right from your results page
  • Wait for your pros to give you a call so you can set up an appointment

Either way, be sure to check your email after you submit your form! We’ll send you a free pro interview guide with questions you can use to interview your pros.

From there, you’ll pick your pro and enter into an agreement with them.

If you decide to work with one of the pros you interview, you’ll pay them based on their pricing and payment structure.

Advisors use a variety of different fee types, such as AUM-based, flat fee, commission and even hourly. During your interviews, be sure to ask each pro how their payment system works.

The SmartVestor program itself is free to use, so you’ll never be charged for getting connected with an advisor.

To join the SmartVestor program, advisors must:

• Work for investment advisors or broker-dealer firms that are not affiliated with Ramsey
• Have at least two years of experience as a registered investment 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

SmartVestor Pros are financial advisors, but many also have their own specialties. You may come across investment advisors, financial planners, wealth managers and more.

You can often tell an advisor’s specialty based on their credentials. For example:

  • CFP (Certified Financial Planner)
  • RR (registered representative)
  • IAR (investment advisor representative)
  • RIA (registered investment advisor)

We’re here to help! If you have any questions about the SmartVestor program that are not answered on this page, call our Customer Success Team at 866-523-8473 or send us an email.

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. Each SmartVestor Pro has entered into an agreement with Ramsey Solutions under which the Pro pays Ramsey Solutions a combination of fees. The fees paid by the Pros to Ramsey Solutions are paid irrespective of whether you become a client of a Pro 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.

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.

SmartVestor™ is an advertising and referral service for investment 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) investment professionals (“Pros”) that cover your geographic area. Each Pro has entered into an agreement with Ramsey Solutions under which the Pro pays Ramsey Solutions a combination of fees, including a flat monthly membership fee and a flat monthly territory fee to advertise the Pro’s services through SmartVestor and to receive client referrals from interested consumers who are located in the Pro’s geographic area. Each Pro may also, if applicable, pay Ramsey Solutions a one-time training fee.
 
The fees paid by the Pros to Ramsey Solutions are paid irrespective of whether you become a client of a Pro and are not passed along to you. However, you should understand that all of the Pros that are available through SmartVestor pay Ramsey Solutions fees to participate in the program. Further, the amount of compensation each Pro pays to Ramsey Solutions will vary based on certain factors, including whether the Pros choose to advertise in local or national markets. Ramsey Solutions has a financial incentive to present certain Pros that offer their services on a national basis (“National Pros”) more often than other National Pros that pay lower fees.

It is up to you to interview each Pro and decide whether you want to hire them. If you decide to hire a Pro, you will enter into an agreement directly with that Pro to provide you with investment services. Ramsey Solutions is not affiliated with the Pros and neither Ramsey Solutions nor any of its representatives are authorized to provide investment advice on behalf of a Pro or to act for or bind a Pro. Ramsey Solutions introduces you to Pros that cover your geographic area based on your zip code. Neither Ramsey Solutions nor its affiliates provide investment advice or recommendations as to the selection or retention of any Pro, nor does Ramsey Solutions evaluate whether any particular Pro is appropriate for you based on your investment objectives, financial situation, investment needs or other individual circumstances.

No investment advisory agreement with a Pro will become effective until accepted by that Pro. Ramsey Solutions does not warrant any services of any SmartVestor Pro and makes no claim or promise of any result or success by retaining a Pro. Your use of SmartVestor, including the decision to retain the services of a Pro, is at your sole discretion and risk. Any services rendered by a Pro are solely that of the Pro. The contact links provided connect to third-party websites. Ramsey Solutions and its affiliates are not responsible for the accuracy or reliability of any information contained on third-party websites. Each Pro has signed a Code of Conduct under which they have agreed to certain general investment principles, such as eliminating debt and investing for the longer-term, and, if applicable, have completed Ramsey Pro Training. However, Ramsey Solutions does not monitor or control the investment services the Pros provide.