Smart Money Financial Advisors, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Smart Money Financial Advisors, LLC provides portfolio management, selection of other advisers, and financial planning primarily for individual and high‑net‑worth clients. The firm documents client goals and risk tolerance in a written Investment Policy Statement and offers asset allocation, asset selection, and ongoing portfolio monitoring as part of its services.
The firm’s stated investment approach draws on Modern Portfolio Theory and favors long‑term investing, with discretionary management and at least annual account reviews; clients receive quarterly custody statements from the chosen custodian. The brochure also discloses operational practices that affect implementation — for example, clients are required to use a specified custodian (Charles Schwab Advisor Services) and the firm may receive research or other soft‑dollar benefits.
The brochure highlights a few features that distinguish the firm from many peers: a principal is a licensed insurance agent who may offer commissionable insurance and annuity products and personnel operate a retirement‑education business; the firm also discloses fee‑sharing arrangements with third‑party managers (including a recommendation of Valor Capital Management) rather than only earning direct advisory fees. The firm further discloses the use of hypothetical performance in its materials and describes these outside activities and compensation arrangements as potential conflicts of interest that it seeks to manage.
Client services
Expertise
Fee options
$750 to $3,000 for financial planning fixed fees
$0 - $500,000: 1.00% $500,000 - $1,000,000: 0.90% $1,000,001 - $2,000,000: 0.80% $2,000,001+: 0.75%
Main office
12900 Hall Rd. Ste. 250
Sterling Heights MI 48313
Advisors at this office
1
Most active in
Michigan
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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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
Quick links
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