A complete list of active advisors currently associated with Smart Fin

Warmer can help you find a great advisor at Smart Fin or one who fits your needs even better.

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.

To learn more about the advisors currently working at Smart Fin, click on their names below to view their profiles, or click here to see them all on a map. Or, if you tell us about your needs, Warmer can help you find the best advisor for you.

Name	Location	Years of experience
Kim Ngo	Westminster, CA	8

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For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.

Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

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