SmartPlan Investing
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
SmartPlan Investing serves individual investors as well as pension/profit‑sharing plans, corporations, and other business entities, providing financial coaching, comprehensive financial planning, and regular investor education. The firm offers investment consulting and monitoring services through a co‑advisor arrangement rather than directly executing portfolio management for clients.
The firm states an investment philosophy grounded in academic investing principles and relies on Matson Money’s allocation models, which use Modern Portfolio Theory and an efficient‑market approach to construct diversified, fund‑of‑fund portfolios that are reviewed and typically rebalanced quarterly. SmartPlan prepares portfolio analyses (MRI), helps clients select appropriate allocation models and account setup, and acts as a liaison while Matson Money implements discretionary trading and ongoing portfolio management.
Noteworthy aspects include an affiliation with an accounting practice and an owner who is a certified public accountant, which may create closer coordination between tax/accounting and advisory services, and a recurring program of investor education workshops that are often offered at no fee. The firm also provides clients access to a Right Capital data‑consolidation platform, explicitly does not take custody or exercise investment discretion itself, and typically recommends a single portfolio manager while monitoring that manager on clients’ behalf.
Client services
Occupation focus
Fee options
$0 - $500,000: 0.99% annually $500,001 - $1,000,000: 0.99% annually $1,000,001 - $4,000,000: 0.75% annually $4,000,001+: 0.50% annually
Representatives may receive commissions from insurance products purchased by clients
Minimum fee: $250 to $1,000, negotiable, for Free-Market Investment Analysis (MRI) or Fiduciary Investment Analysis Fee-only: Negotiable fees for financial planning depending on work and complexity; initial consultation and investor education events often no fee
Main office
See office14255 Us Highway 1, Suite 240
Juno Beach FL 33408
Advisors at this office
3
Offices (2)
Most active in
Florida · Georgia
Also doing business as
Financial Planning Counselors, Inc. · Smartplan Investing
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:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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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
Advisors at this firm
Joshua H
Series 63, Series 65
Juno Beach, FL
SmartPlan Investing
Joshua Helman is a financial advisor at SmartPlan Investing with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with Financial Planning Counselors, Inc. since 2007. In addition to his advisory work, Helman practices emergency medicine as an independent contractor physician. SmartPlan Investing serves individual investors, pension and profit-sharing plans, and business clients by providing financial coaching, planning, and investor education workshops. The firm employs academic investing principles and collaborates with Matson Money for portfolio management, emphasizing client coaching and regular portfolio reviews.
Jennifer F
Series 65
Juno Beach, FL
SmartPlan Investing
Jennifer Foster is a Series 65-licensed financial advisor with eight years of industry experience. She is affiliated with SmartPlan Investing and has been associated with Financial Planning Counselors Inc. since 2010. SmartPlan Investing primarily serves individual investors along with pension and profit-sharing plans and business clients, offering financial coaching, planning, and investor education workshops. The firm employs an academic investing approach using Modern Portfolio Theory and efficient-market allocation models through the Matson Money platform, emphasizing client coaching and portfolio analysis while partnering with a third-party portfolio manager for discretionary trading and rebalancing.
Robroy W
Series 65
Atlanta, GA
SmartPlan Investing
Robroy Wiley is a financial advisor at SmartPlan Investing in Atlanta, GA, holding a Series 65 designation with 12 years of industry experience. He has been with SmartPlan Investing since 2011. SmartPlan Investing serves primarily individual investors, along with pension and profit-sharing plans and business clients, offering financial coaching, planning, and investor education workshops. The firm uses academic investing principles and the Matson Money platform to create diversified portfolios, emphasizing client coaching and periodic reviews while partnering with third-party portfolio managers for discretionary trading and rebalancing.
Roy W
Series 63, Series 66
Juno Beach, FL
SmartPlan Investing
Roy Wiley is a financial advisor with SmartPlan Investing in Juno Beach, FL, holding Series 63 and Series 66 licenses and offering 21 years of industry experience. He is also a certified public accountant and owner of Covenant Financial, P.A., providing tax, accounting, and payroll services since 1993. Wiley holds a Florida insurance license and has engaged in insurance sales on a limited basis. SmartPlan Investing serves individual investors, pension and profit-sharing plans, corporations, and other business entities by providing financial coaching, comprehensive planning, and investor education. The firm uses an academic investing approach based on Modern Portfolio Theory, working through a co-advisor model to deliver portfolio consulting and monitoring without direct investment discretion.
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