As a SmartVestor Pro, I've been carefully screened by Dave's team as someone dedicated to helping you achieve your financial goals. This means that I adhere to their code of conduct and follow their standards for clients following his successful money programs. 

In part, this means that I affirm that eliminating debt and investing for the long-term is the ideal way to build wealth and prepare for retirement. Furthermore, It is recommended that you have a reasonable emergency fund before starting any investment program for retirement that may make it more difficult to access cash if you need it quickly - in other words, non-liquid investments, such as in an annuity or even an IRA. 

As a financial advisor, and not a broker or agent, I offer services wholly as an advisor and asset manager. This means I do not take commissions for sales of products and am only paid by my clients. This further means that I have eliminated the conflict of interest that is associated with commissioned sales of products. Removing that conflict allows me to put your interest first, always. 

If you become a client through Dave's referral program, it surely means that you have been through his program and have made it to at least Baby Step 3 and on your way to number 4, or 5, 6, or even 7. This means that you are probably just starting out with your investing and don't have a lot invested at the moment. Not to worry. I don't require a minimum amount of assets, so you can come on board with $0! We will, however, set up a systematic investment plan, so we can get you going right away. As a financial planner, and not just an investment manager, I do anticipate that all of my clients, regardless of how the become clients, will create a personal financial plan. This may not be right away, but a plan is always recommended because how do you know how to get where you want to go if you don't where you are going?


Dave Ramsey SmartVestor Pro