As a SmartVestor Pro, I provide an easy-to-understand and ethical approach for solving the investing and financial planning challenges of today's marketplace. We strive to learn and understand individual and business financial information, build and maintain long-lasting relationships, and provide quality guidance, service, and products to help work towards financial independence.
What is a SmartVestor Pro?
SmartVestor Pros are investing professionals who have been interviewed and reviewed by the Ramsey solutions team. In order to become a SmartVestor Pro, advisors first must pass a through a strict vetting process to demonstrate that they are skilled investment advisors and financial planners. SmartVestor Pros believe that eliminating debt and investing for the long term is the ideal way to build wealth.
How Can I Benefit from Using a SmartVestor Pro?
With industry experience and investment specific knowledge, Kevin‘s knowledge and expertise can help you figure out how you can pursue your personal money goals. This program ensures SmartVestor Pros have the heart of a teacher and that they truly enjoy helping clients pursue their financial goals. Even if you feel like you have a solid understanding of markets and investments, our guidance and experience can help you move towards your goals quicker and more efficiently.
The SmartVestor program is a directory of investment professionals. Neither Dave Ramsey nor SmartVestor are affiliates of Clearview Financial Group or LPL Financial.
SmartVestor™ is an advertising and referral service for investment professionals operated by The Lampo Group, LLC d/b/a Ramsey Solutions® ("RS"). When you provide your contact information through the SmartVestor site, RS will introduce you to up to five (5) investment professionals (“Pros”) that cover your geographic area, including Kevin MacWilliams ("Adviser") with LPL FINANCIAL LLC. RS is a paid, non-client promoter of Pros. Adviser has entered into an agreement with RS under which Adviser pays RS compensation for participating in the SmartVestor program, resulting in a material conflict of interest. Due to the compensation received by RS, it has a financial incentive to introduce you to Pros, including an incentive to present certain Pros that offer their services on a national basis ("National Pros") more often than other National Pros that pay lower fees.
Adviser compensates RS through a combination of fees, a flat monthly membership fee of $400 and a flat monthly territory fee of $1050 to advertise Adviser’s services through SmartVestor and to receive client referrals from interested consumers who are located in Adviser’s geographic area. The fees paid by Adviser to RS are paid irrespective of whether you become a client of Adviser and are not passed along to you. However, you should understand that all of the Pros that are available through SmartVestor pay RS fees to participate in the program. Further, the amount of compensation each Pro pays to RS will vary based on certain factors and choose to advertise in local or national markets.
It is up to you to interview Adviser and decide whether you want to hire them. If you decide to hire Adviser, you will enter into an agreement directly with Adviser to provide you with investment advisory services. RS is not affiliated with Adviser and neither RS nor any of its representatives are authorized to provide investment advice on behalf of Adviser or to act for or bind Adviser. RS introduces you to Pros that cover your geographic area based on your zip code. Neither RS nor its affiliates provide investment advice or recommendations as to the selection or retention of any Pro, nor does RS evaluate whether any particular Pro is appropriate for you based on your investment objectives, financial situation, investment needs, or other individual circumstances. No investment advisory agreement with Adviser will become effective until accepted by Adviser. RS does not warrant any services of Adviser or any SmartVestor Pro and makes no claim or promise of any result or success by retaining Adviser. Your use of SmartVestor, including the decision to retain the services of Adviser, is at your sole discretion and risk. Any services rendered by Adviser are solely that of the Adviser. The contact links provided connect to third-party websites. RS and its affiliates are not responsible for the accuracy or reliability of any information contained on third-party websites. Adviser has signed a Code of Conduct under which it has agreed to certain general investment principles, such as eliminating debt and investing for the longer-term, but RS does not monitor or control the investment advisory services Adviser provides.
