Street Smart Financial, LLC

Street Smart Financial provides fee-only financial planning and investment management to individuals, trusts, estates, charitable organizations, and small businesses, managing roughly $52 million for about 62 clients. Advisory services include portfolio management, cash flow and tax planning, insurance review, retirement and education funding recommendations, estate planning, and both hourly and ongoing planning engagements.

The firm manages most assets on a discretionary basis and follows a risk/reward approach that emphasizes diversification, low-cost no-load mutual funds and ETFs, some indexing, and tactical asset-allocation decisions informed by a macroeconomic view. It aims to limit turnover to control trading and tax costs, uses Charles Schwab as its preferred custodian, and provides quarterly performance reporting and ongoing client communications.

Notably, the firm supplements advisory work with client educational seminars and workshops and explicitly incorporates education planning and funding recommendations into its services, an offering that is less common among similarly sized supported firms; the brochure also references participation in custodian-sponsored educational conferences. The firm is owner-operated, operates strictly on a fee-only basis without accepting commissions or third-party payments, maintains a $500,000 account minimum (waivable), and has a formal business-continuation arrangement in place.