Fee-Only Financial Advisor Serving Chandler, AZ

Smartt Wealth has been helping families build and manage wealth since 1979 — with no product sales, no commissions, and no account minimums. Our Gilbert office is a short drive from Chandler, and virtual meetings are available for clients who prefer to connect from home or the office.

Built for Chandler's Working Professionals and Dual-Income Households

Chandler's economy runs on high-earning professionals — many of them in tech, healthcare, and engineering, often with two careers operating under one roof. That combination creates real planning complexity: coordinating two income streams, two benefit packages, two retirement timelines, and a shared long-term vision.

 

We build investment and retirement plans that account for all of it. Whether you're both mid-career and accelerating, or one of you is approaching retirement while the other has years left to run, we coordinate the full picture so nothing falls through the gaps. Planning that fits around your career, not against it.

 

  • Ongoing, hands-off investment management for busy working professionals
  • Retirement planning that coordinates multiple income streams and career stages
  • Social Security strategy for couples with different retirement timelines
  • Tax planning designed around high-income, dual-income households
  • Estate planning to protect what you're building together

What Fee-Only, Fiduciary Planning Actually Means for You

Fiduciary wealth management means we are legally and ethically required to act in your interest — not ours. Fee-only means our compensation comes entirely from you, not from commissions, product sales, or referral arrangements. There is no financial incentive for us to recommend anything other than what we genuinely believe is right for your situation.

 

Smartt Wealth has operated on this model since our founding. Steve Smartt was among the first Certified Financial Planners credentialed in the nation, earning his CFP designation around 1982, and has spent more than four decades building a practice on transparency and integrity. For Chandler families looking for a fee-only financial advisor they can trust, that track record matters.

Evidence-Based Investing Through Our Matson Money Partnership

Our investment approach is grounded in academic research, not market speculation or active stock picking. Through our co-branded partnership with Matson Money, we apply evidence-based investing principles developed from decades of peer-reviewed financial science.

 

That means your portfolio is built around factors that have demonstrated long-term, repeatable results — not headlines, predictions, or gut instinct. It's a disciplined, low-drama approach that suits busy Chandler households who want their investments managed well without having to watch the market every day.

 

You can learn more about how this works on our Matson Money Partnership page.

ANSWERS before we begin

Getting Started Is Simple — In Person or Virtually

  • What does fee-only mean, and why does it matter?

    Fee-only means we are compensated only by you — not through commissions, product sales, or referral fees. This removes the financial conflicts of interest that exist in commission-based models, so every recommendation we make is based on what's right for your situation, not what generates income for us.

  • Who is the best fee-only financial advisor near Chandler, AZ?

    That depends on your needs, but the qualities worth looking for are a fiduciary obligation, a transparent fee structure, and a track record you can verify. Smartt Wealth has served the East Valley since 1979, holds one of the earliest CFP credentials in the country, and operates strictly fee-only with no account minimums.

  • Do I have to come into the Gilbert office, or can we meet virtually?

    Both options are available. The Gilbert office is a short drive from most of Chandler, but if you'd prefer to meet from home or your workplace, virtual meetings work just as well. We're set up for either.

  • Do you work with dual-income households or couples at different career stages?

    Yes, and it's a common planning situation for Chandler families. We build coordinated plans that account for two income streams, different retirement timelines, and combined benefit structures — including Social Security strategy for couples who won't retire at the same time.

  • Is there a minimum amount of money I need to start working with Smartt Wealth?

    There are no account minimums. We work with clients at a range of asset levels, including those who are just beginning to build savings. Our goal is to make sound financial planning accessible, not to set a threshold that keeps people out.