Ramsey SmartVestor

Invest in Your Future With a SmartVestor Pro

SmartVestor connects you to a network of financial advisors, financial planners, wealth advisors and other investment professionals who will treat you like a teammate, not a statistic.


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

Get Ready to Talk With Your Pros

Finding a pro doesn’t have to be intimidating! Once you share your info on the SmartVestor Pro request form, your pros will start reaching out to you. This interview guide can help you be ready. It comes with:

  • Questions to ask the pros
  • Space for notes and contact info
  • A place to rank each pro
Download Your Free Guide

What Is the SmartVestor Program?

SmartVestor is a referral program that connects you with investment professionals who value serving over selling. The program was created over 20 years ago by financial expert Dave Ramsey and his team. Since then, SmartVestor has helped millions of people find pros who are committed to extraordinary customer service.

Picture of Dave Ramsey and George Kamel
Joe & Sherri M. - SmartVestor Pro Clients

What Sets SmartVestor Pros Apart?

They lead with the heart of a teacher. You deserve to leave every meeting with your advisor feeling smarter and more empowered than when you went in.

They guide instead of intimidate. While a SmartVestor Pro can offer you custom advice based on your goals, they keep you in the driver’s seat.

They know Ramsey values. These investment professionals believe in the Ramsey mission of helping people work toward financial peace.

What Needs Do You Have?

These are some of the ways a SmartVestor Pro can help:

  • 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

How Much Does a Financial Advisor Cost?

The price of working with a pro can vary, depending on the services they offer and the type of pricing structure they use. Some of the most common fee structures advisors use include:

  • AUM-Based

    Assets Under Management or AUM-based advisors charge a percentage (usually around 1%) of the assets they manage for you.

  • Flat Fee

    Flat-fee advisors charge a fixed rate for their services, which can range from several hundred to several thousand dollars.

  • Commission

    Commission-based advisors only charge you a percentage (usually between 3–6%) of each investment they make on your behalf.

  • Hourly Fee

    Some advisors charge hourly rates that can average anywhere from $200–400, depending on their location and specialties.

Discover Your Potential With Our Free Tools

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.

The SmartVestor program itself is free to use, so you won’t be charged for getting connected with an advisor. If you decide to work with one of the pros you interview, you’ll pay them based on their pricing and payment structure.

Different advisors charge using different pricing models. Some of the most common include AUM-based, flat fee, commission and even hourly. During your interviews, be sure to ask each pro how their payment system works.

To join the SmartVestor program, investment professionals must:

• Work for an investment-advisor or broker-dealer firm that is 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)

In addition to investment advice and financial planning, many SmartVestor Pros offer a wide range of other services. Some of the things they can help with include:

  • Ongoing portfolio management and rebalancing
  • Diversification and risk management
  • 401(k) to IRA rollovers
  • Inheritance guidance
  • Retirement income and withdrawal strategies
  • Tax-efficient financial planning
  • Trusts and wealth transfers

We’ll connect you to several different pros in your area to help you find a great fit for your unique situation.

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.

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

Unless otherwise indicated, Ramsey Solutions is a paid, non-client promoter of Pros. Ramsey Solutions is not affiliated with any SmartVestor Pros participating in the SmartVestor program (“Pros”). Each Pro has entered into an agreement with Ramsey Solutions under which the Pro pays Ramsey Solutions fees to advertise the Pro’s services and receive client referrals from interested consumers who are located in the Pro’s coverage area. The receipt of such fees creates a conflict of interest because it creates a financial incentive for Ramsey Solutions to refer you only to those Pros participating in the SmartVestor program.

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 individual circumstances. Ramsey Solutions does not give any warranty or guarantee as to the services of any Pro and makes no claim or promise about the investment performance of any result or success of retaining a Pro. Your use of the SmartVestor program, 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. Contact links may be provided to connect to Pros’ websites. Ramsey Solutions and its affiliates are not responsible for the accuracy or reliability of any information contained on Pros’ 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 zip code through the SmartVestor site, Ramsey Solutions will introduce you to up to three (3) investment professionals (“Pros”) that cover your geographic area (a “territory”) based on your zip code. Unless otherwise indicated, Ramsey Solutions is a paid, non-client promoter of Pros. Each Pro has entered into an agreement with Ramsey Solutions (“Referral Agreement”) under which the Pro pays Ramsey Solutions a combination of fees, including a one-time training fee of $3,000, a flat monthly membership fee of $400 and a flat monthly territory fee depending on the size of the territory of up to $1,050 to advertise the Pro’s services through SmartVestor and to receive client referrals from interested consumers who are located in the Pro’s coverage area. If a Pro offers his or her services on a national basis (“National Pro”), they pay RS National Per-Impression Fees up to a monthly revenue cap that varies by National Pro. RS introduces National Pros on a rotational basis when there are not enough investment professionals in a local market. 

If a Pro elects to cover a “select” territory, the Pro pays Ramsey Solutions a fee of up to 25% per year of the gross fees you pay to the Pro for services the Pro provides to you and your related persons and entities (“Closed-Client Fee”). The Closed-Client Fee is payable to Ramsey Solutions for as long as you remain a client of your Pro, unless otherwise terminated under the terms of the Referral Agreement. The amount of fees each Pro pays to Ramsey Solutions will vary based on certain factors, including whether the Pros choose to advertise in local or national markets, and if applicable, the Closed-Client Fee will vary based on fees that a Pro earns from its clients. All of the Pros that are available through the SmartVestor program pay fees to participate in the program. None of these fees are passed along to you, however, the receipt of such fees creates a conflict of interest because it provides a financial incentive for Ramsey Solutions to refer you only to those Pros participating in the SmartVestor program. In addition, National Pros that have a higher revenue cap are referred more often relative to other National Pros that have a lower revenue cap. Please refer to the profile for each Pro for important disclosures about the fees they pay to Ramsey Solutions.

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. 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 individual circumstances.

No investment advisory agreement with a Pro will become effective until accepted by that Pro. Ramsey Solutions does not give any warranty or guarantee as to the services of any Pro and makes no claim or promise about the investment performance or success of retaining a Pro. Your use of the SmartVestor program, 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. 

Contact links may be provided to connect to Pros’ websites. Ramsey Solutions and its affiliates are not responsible for the accuracy or reliability of any information contained on Pros’ websites. 

Each Pro 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, but Ramsey Solutions does not monitor or control the investment advisory services the Pros provide.

By participating in the SmartVestor program, you acknowledge that Ramsey Solutions may obtain from the Pros information about the status of their relationship with you, including whether the Pro has contacted you and/or whether you engaged the Pro and the fees your Pro earns from you and your related persons and entities, and you authorize each Pro to share such information with Ramsey Solutions. Ramsey Solutions uses such information to administer the SmartVestor program and to confirm fee calculations under the Referral Agreement.

Last updated: October 1, 2026