# Smarter and Wise

> Smarter and Wise is a state-registered investment advisory firm, registered since 2023, reporting $25 million to $100 million in regulatory assets under management in its Form ADV filing dated March 11, 2026.

- CRD: 325719
- Filed as: SMARTER AND WISE
- Legal name: Scheibel Planning Solutions, LLC
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Registered in Maryland
- Filing period: October 2026
- Form ADV filing dated: March 11, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/325719
- AdvisorCensus page: https://advisorcensus.com/firm/smarter-and-wise-325719

## Quick answers

**How is Smarter and Wise compensated?**
On its Form ADV (Item 5.E, October 2026), Smarter and Wise reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees). The amounts are in Item 5 of its Form ADV Part 2A brochure.

**Is Smarter and Wise registered with the SEC or a state?**
Smarter and Wise is a state-registered investment advisory firm, registered since 2023. Status as filed: APPROVED. CRD 325719.

**How much does Smarter and Wise manage?**
Smarter and Wise reports $35,713,032 in regulatory assets under management in its Form ADV filing dated March 11, 2026 (100% discretionary).

**What types of clients does Smarter and Wise serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (24); high net worth individuals (8).

**Does Smarter and Wise report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/325719

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)

### Regulatory assets under management (Item 5.F)
- Total: $35,713,032
- Discretionary: $35,713,032
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 24 | $15,564,610 |
| High net worth individuals | 8 | $20,148,422 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Pension consulting services
- Selection of other advisers (including private fund managers)

### Firm details
- Registered since: 2023 (3 years)
- Employees: 1 total, 1 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: MD
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- [scheibelplanningsolutions.com](https://scheibelplanningsolutions.com)
- Facebook @scheibelplanning
- LinkedIn @loriescheibel

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. Smarter and Wise (CRD 325719): Form ADV filing data as of October 2026.