Smith CFP, Karyn
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The firm provides investment advisory and financial planning services to individual clients. It offers discretionary asset management through Schwab Advisor Services and delivers comprehensive or segmented written financial plans.
Portfolios are managed using asset allocation and a mix of analytic techniques (charting, fundamental, technical, and cyclical) with regular reviews and quarterly performance reports to clients. The firm acts as a fiduciary for rollover recommendations and either provides a written rationale for rollovers or an educational alternative to help clients decide.
Uncommonly for a solo independent adviser, the firm is affiliated with an accounting practice (a partner in an S‑corporation that prepares a limited number of personal tax returns), is licensed to sell life, health and long‑term care insurance and may receive commissions on insurance sales, and may recommend other registered investment advisers and receive a portion of account fees. Those cross‑industry relationships and referral arrangements are disclosed in the brochure and the firm indicates it will provide additional documentation, such as compensation disclosure statements, to clients.
Client services
Expertise
Fee options
Flat fee of $1,000 for comprehensive financial plans
$0 - $500,000: 1.00% annually $500,000 - $1,000,000: 0.75% annually $1,000,000+: 0.50% annually
Account minimum: $100,000 Minimum fee: Minimum annual fee of $1,000 Fee-only: Advisory fees only; no commissions, 12b-1 fees or other forms of compensation received.
Main office
1106 Sheridan Road
Normal IL 61761
Advisors at this office
1
Most active in
Illinois
Also doing business as
Smith Cfp, Karyn · Smith, Karyn
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.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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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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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