Fee-Only Financial Advisor Serving Tempe, AZ

Whether you're a young professional just getting started or an adult child of a long-time client looking for a natural next step, Smartt Wealth has been helping families across the East Valley build lasting financial clarity since 1979. We serve Tempe residents in person at our Gilbert office — about 15 minutes away — and virtually for anyone who'd rather meet from home or the office.

What Fee-Only Planning Actually Means for You

Fee-only financial planning means we're paid directly by you — not by the funds we recommend, not by insurance companies, and not through commissions on products we sell. We don't sell products at all. Our only job is to give you advice that serves your interests, not ours.

 

That structure matters more than most people realize. When an advisor earns money from the products they recommend, even well-intentioned advice comes with a built-in conflict. At Smartt Wealth, that conflict doesn't exist. We operate as a fiduciary — which means we're legally and ethically required to act in your best interest at every step.

 

For Tempe residents comparing financial planners, here's what sets our approach apart:

 

  • Strictly fee-based AUM — no commissions, no product sales, ever
  • Fiduciary standard applied to every client relationship
  • Evidence-based investment strategy through our Matson Money partnership
  • No account minimums — clients at any asset level are welcome
  • One of the first Certified Financial Planners in the nation, credentialed around 1982

You Don't Have to Wait Until You're "Ready"

One of the most common things we hear from younger Tempe residents is some version of: "I don't have enough money to need a real financial advisor yet." We'd gently push back on that.

 

The decisions you make in your 20s and 30s — how you handle debt, how you invest your first savings, how you think about taxes and retirement contributions — have a compounding effect that plays out over decades. Starting earlier doesn't require having more money. It requires having a clear picture of where you're headed.

 

We have no account minimums. If you're ready to start thinking about your financial future, we're ready to talk — regardless of where you're starting from.

Already Have Family with Smartt Wealth? You're a Natural Fit.

Tempe has a large population of young professionals, many of whom have parents or grandparents who are already Smartt Wealth clients. If that's you, working with us isn't a cold start — it's a continuation of a relationship your family already trusts.

 

We plan across generations intentionally. That means we understand the full picture of how wealth moves through families, and we're well-positioned to help adult children build their own financial foundation alongside the planning their parents are already doing. When the time comes for wealth to transfer, having a shared advisor makes that process significantly smoother.

 

If your family already works with us, reach out and introduce yourself. We'd love to be your advisor too.

ANSWERS before we begin

Meeting Options Built Around Your Schedule

  • What does fee-only mean, and why does it matter when choosing a financial advisor in Tempe?

    Fee-only means your advisor is paid directly by you, not through commissions or product sales. It matters because it eliminates the financial incentives that can lead other advisors to recommend products that benefit them more than you. At Smartt Wealth, we don't sell products at all — our only compensation comes from the clients we serve.

  • Do I need a certain amount of money saved before I can work with Smartt Wealth?

    No. We have no account minimums. Whether you're just starting out with a modest savings account or managing a more complex financial picture, we work with clients at every stage. Starting early — even before you feel "ready" — tends to produce better long-term outcomes.

  • How do I find a fee-only financial advisor near Tempe, AZ?

    Smartt Wealth serves Tempe residents from our Gilbert office, about 15 minutes from most of Tempe, and offers virtual consultations for clients who prefer to meet remotely. You can schedule a consultation or fill out our contact form to get started — no minimum assets required.

  • My parents already work with Smartt Wealth. Can I become a client too?

    Yes, and we'd genuinely welcome that. We plan across generations and work with adult children and grandchildren of existing clients regularly. If your family already has a relationship with us, you're not starting from scratch — you're building on a foundation that's already in place.

  • Is Smartt Wealth a fiduciary financial advisor?

    Yes. As a fiduciary, we're legally and ethically required to act in your best interest at all times. Combined with our fee-only structure and evidence-based investment approach through our Matson Money partnership, that means the advice you receive is designed entirely around your goals — not around what generates revenue for us.