Investment Planning

Planning that spans generations. A client's peace of mind is first priority. We manage your portfolio through a fee-only, fiduciary approach grounded in academic research, not headline-chasing or hot product sales.

Investing for the Next Generation, & Prep for Your Future

Many of our clients think beyond their own accounts, and we help set up investment planning for children and grandchildren as well. Whether it's an early step toward multi-generational wealth transfer or simply teaching the next generation good habits, we build those accounts with the same evidence-based discipline as everything else we manage.

We Only Make Money When We Manage Yours

Our compensation model is simple: we charge a fee based on assets under management, full stop. No commissions, no product sales, no referral kickbacks. That means every recommendation is made because it's right for your portfolio, not because it pays us more.



  • Compensated solely through AUM fees, no commissions or product sales
  • No incentive to recommend one product over another
  • Fee structure disclosed clearly before any relationship begins
  • The same fiduciary standard applied to every account, regardless of size

An Evidence-Based Approach to Managing Your Money

Our investment strategy is built through our partnership with Matson Money, a firm grounded in decades of academic research on how markets actually behave over time. Rather than chasing trends or reacting to headlines, we build portfolios around disciplined, data-driven principles designed to hold up over the long run.

ANSWERS before we begin

Common Questions About Investment Planning

  • How does an evidence-based investment strategy work?

    An evidence-based strategy relies on decades of academic research into how markets behave over time, rather than predictions or trends. Through our Matson Money partnership, we build portfolios around disciplined, data-driven principles designed to perform consistently over the long term rather than chasing short-term headlines.

  • What's the difference between fee-only, fee-based, and commission advisors?

    Fee-only advisors are paid directly by clients and never earn commissions on products. Fee-based advisors charge fees but can also earn commissions on certain products, which can create hidden incentives. Commission-based advisors are paid primarily through product sales. Smartt Wealth is strictly fee-only, meaning our only compensation comes from managing your assets.

  • Is there a minimum amount of money needed to invest with Smartt Wealth?

    No. We work with clients at any asset level and don't require a minimum account balance, whether you're just starting out or managing a larger portfolio.

  • Can I open an investment account for my children or grandchildren?

    Yes. We help clients set up and manage investment accounts for children and grandchildren as part of a broader multi-generational planning approach, applying the same evidence-based strategy across every account we manage.