Smart Money Financial Advisors, LLC fees and pricing

Published fees

Quoted from the firm's Form ADV Part 2A brochure, filed February 13, 2026. Fees can change, so confirm with the firm before you hire them.

Flat or project fee

$750⁠-⁠$3,000

“Thereafter, clients may terminate the contract immediately upon written notice. 4 Financial Planning Fees The fixed rate for creating client financial plans is between $750 and $3,000.”

Read the full brochure (PDF) (opens in new tab)SEC adviser record (opens in new tab)

How Smart Money Financial Advisors, LLC bills

Payment and refund terms, quoted from the fee section of the brochure.

• “These fees are generally negotiable and the final fee schedule is attached as Schedule A of the Investment Advisory Contract.”
• “Clients may terminate the agreement without penalty for a full refund of SMFAL's fees within five business days of signing the Investment Advisory Contract.”
• “Clients may terminate the agreement without penalty, for full refund of SMFAL’s fees, within five business days of signing the Financial Planning Agreement.”

How Smart Money Financial Advisors, LLC’s fees compare

• Its flat or project fee of $750-$3,000 is below the Michigan median of $3,250. 31% of the 137 other Michigan planners that publish a flat or project fee charge less.
• 1 of the 2 other planners in Sterling Heights that publish a flat or project fee charge less.

About Smart Money Financial Advisors, LLC

• Firm size: 3 employees.
• Registered as an adviser: 2020 (6 years).

Planning areas mentioned in the brochure

• Retirement planning
• Tax planning

Firm details from Form ADV

How the firm is paid

Fixed or flat fees, percentage of assets under management

Charges a % of assets

Yes

Highest asset based fee in brochure

1% a year

Clients

145

Employees

3

Works with

Individuals and high net worth individuals

Services reported to regulators

Financial planning and portfolio management for individuals and small businesses

Assets managed

$80,159,937

Registered with

State securities regulators

Disciplinary disclosures

None reported

SEC CRD number

306937

Website

smartmoneyfa.com (opens in new tab)

Phone

(586) 262-6400

Other planners in Sterling Heights that publish fees

• Mangotree Capital, LLCSterling Heights$300/hr, $3,000
• Wealthy IntentionsSterling Heights$250/hr, $500
• 320 Life Financial PlanningHolland$250/hr
• 46 and 2 Investment Advisors, LLCTraverse City$200/hr
• 4Square Advisory Services, Inc.Fenton$150/hr, Up to $1,500
• A B L E Wealth Management Solutions LLCAnn Arbor$400/hr, $500

Compare all 6 planners in Sterling Heights