Smart Fin
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Smart Fin offers ongoing portfolio management, project‑based and ongoing financial planning, and a paid educational newsletter. Services described in the brochure include written Investment Policy Statements, discretionary portfolio management, and planning areas such as retirement, tax coordination, college funding and debt management.
The firm documents client goals and risk tolerance, seeks discretionary trading authority where agreed, and employs a mix of analysis methods—charting, cyclical, fundamental, modern portfolio theory and technical analysis—to construct portfolios. Investment strategies noted include long‑ and short‑term trading and the use of margin, and recommended investment vehicles include mutual funds, equities, fixed income, ETFs (including precious‑metal ETFs), TIPS and non‑U.S. securities; custodial services are recommended through Schwab Institutional, with potential soft‑dollar research benefits.
Distinctive elements in the brochure include reporting zero assets under management and no clients as of July 2026 and registration as an adviser in 2026, alongside a $29/month Substack newsletter and defined ongoing planning tiers (Basic, Intermediate, Advanced) with specified deliverables. The filing also discloses a 2017 employment‑related discharge with no customer harm alleged and describes operational choices that differ from many peers—no wrap programs, no aggregation of block trades, and direct fee withdrawals from client custody accounts—which can affect trade execution, reporting and potential conflicts of interest.
Client services
Expertise
Fee options
Project-based financial planning fees ranging from $1,000 to $7,000
$1 - $250,000: $2,028 annual (flat fee) or 3% of AUM, whichever is less $250,001 - $500,000: 0.48% $500,001 - $1,000,000: 0.50% $1,000,001 - $2,000,000: 0.38% $2,000,001 - $5,000,000: 0.33% $5,000,001 - $10,000,000: 0.28% $10,000,001 - $15,000,000: 0.25% $15,000,001 - $25,000,000: 0.20% $25,000,001+: 0.15%
Educational newsletter subscription service fee: $29 per month
Fee-only: Project-based financial planning fees ranging from $1,000 to $7,000 (one-time fixed fee); Ongoing financial planning fees: Basic $2,400 annually ($600 quarterly), Intermediate $3,600 annually ($900 quarterly), Advanced $6,000 annually ($1,500 quarterly)
Main office
Westminster CA
Advisors at this office
1
Most active in
California
Also doing business as
Ngo, Kim, Thi Hoang · Smart Fin
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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