SmartVestor

Looking for a Financial Advisor?

Get connected to a network of financial advisors, financial planners, wealth advisors and other investment professionals with SmartVestor.

What exactly is a financial advisor?

Simply put, a financial advisor is an umbrella term that describes financial professionals who can help you with all forms of financial planning, from budgeting to saving for retirement and more. Financial advisors can include investment advisors, financial planners, wealth managers and more. You may even see other titles like CFP (Certified Financial Planner), RR (registered representative) and RIA (registered investment advisor).

What exactly is a financial advisor?

Simply put, a financial advisor is an umbrella term that describes financial professionals who can help you with all forms of financial planning, from budgeting to saving for retirement and more. Financial advisors can include investment advisors, financial planners, wealth managers and more. You may even see other titles like CFP (Certified Financial Planner), RR (registered representative) and RIA (registered investment advisor).

So What is SmartVestor?

It’s a free service that helps you find financial advisors and investment professionals in your area who are part of the SmartVestor program. Simply submit the form, 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.

How a SmartVestor Pro Can Help With Your Goals
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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.

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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.

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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

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Where you can find your disclosures.

Real quick—the SmartVestor 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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Common Questions (and Answers)

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

Our goal is to help connect you with a pro who can give you investment advice. The pros are investing professionals that work for investment adviser and broker-dealer firms that are not affiliated with Ramsey. We just call them “SmartVestor Pros” because they have decided to participate in the SmartVestor program. The SmartVestor program does not provide investment advice or try to match you with a pro based on your individual needs.

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 work with a SmartVestor Pro, there will be some type of payment for serving you as there would be with any other financial advisors or investing pros. This payment arrangement is directly between you and the SmartVestor Pro you choose. How they’re paid can vary from pro to pro. They’re happy to answer any questions you have about fees or commissions—make sure to ask up front.

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 will 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.

After you submit the form, we’ll send you a list of questions you can ask during your first interview. In general, you’ll want to see if you’re on the same page about your financial situation and how you want to invest. You’ll also want to ask how they get paid and how often they communicate with their clients. Above all, if something doesn’t feel right, keep looking.

A SmartVestor Pro will 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 after you’re out of debt (other than your mortgage) and after you’ve saved 3–6 months of expenses in an emergency fund. You should discuss your own financial circumstances and investment goals with the SmartVestor Pro you choose.

To join the SmartVestor program, the pros must:
• Have a customer-first mentality.
• Understand Dave Ramsey’s 7 Baby Steps and agree to our Code of Conduct.
• Have at least two years of experience as a registered investing professional.

After SmartVestor Pros join our program, they participate in ongoing coaching with us to help maintain our high standards of customer service—but we do not evaluate their investing skills or performance, and we don’t 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.

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.