Absolutely nothing. SmartVestor facilitates your connection with SmartVestor Pros completely free of charge. Each SmartVestor Pro pays a fee to be part of the SmartVestor program. During our meeting we will discuss the different methods to pay for a financial advisor and how these fees will effect your overall plan. Then, we allow you to choose.

A We offer a no-obligation complementary financial plan for everyone we meet with. Whether it is retirment planning, education savings, debt reduction income protection or anything and everything relating to your financial health, our advice alighs with the Dave Ramsey principals.

To enroll in the SmartVestor program, professionals must: Be employed by investment advisor or broker-dealer firms unaffiliated with Ramsey. Possess a minimum of two years of experience as a registered investment professional. Demonstrate comprehension of Dave Ramsey’s 7 Baby Steps and adhere to the Smartvestor Code of Conduct. Engage in ongoing coaching sessions with us to uphold Ramsey's high standards of customer service. The SmartVestor program does not offer investment advice or match you with a professional based on your specific needs. Additionally, it does not assess professionals' investing abilities or performance, nor does it provide training on investment matters. It is your responsibility to ensure alignment with your SmartVestor Pro regarding investment strategies and to understand the performance of your investments.

As a basic recommendation, we advise initiating investments once you've cleared your debts (excluding your mortgage) and established an emergency fund covering 3–6 months of expenses. However, it's essential to have a detailed discussion about your personal financial situation and investment objectives with the selected SmartVestor Pro.