# SMP Financial Planning, LLC

> SMP Financial Planning, LLC is an SEC-registered investment advisory firm, registered since 2025, reporting $25 million to $100 million in regulatory assets under management in its Form ADV filing dated September 24, 2026.

- CRD: 315300
- Filed as: SMP FINANCIAL PLANNING, LLC
- Registration: SEC-registered investment adviser (status as filed: Approved)
- Filing period: October 2026
- Form ADV filing dated: September 24, 2026
- SEC record (IAPD): https://adviserinfo.sec.gov/firm/summary/315300
- AdvisorCensus page: https://advisorcensus.com/firm/smp-financial-planning-llc-315300

## Quick answers

**How is SMP Financial Planning, LLC compensated?**
On its Form ADV (Item 5.E, October 2026), SMP Financial Planning, LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees).

**How much does SMP Financial Planning, LLC charge?**
Its Form ADV Part 2A brochure dated November 1, 2025 states: Hourly rate: $150 to $500 an hour (financial planning services); Flat fee: $1,000 to $10,000 (longer-term consulting projects). Fees can differ by service and may be negotiable; the brochure is the complete statement.

**Is SMP Financial Planning, LLC registered with the SEC or a state?**
SMP Financial Planning, LLC is an SEC-registered investment advisory firm, registered since 2025. Status as filed: Approved. CRD 315300.

**How much does SMP Financial Planning, LLC manage?**
SMP Financial Planning, LLC reports $78,289,709 in regulatory assets under management in its Form ADV filing dated September 24, 2026 (99% discretionary).

**What types of clients does SMP Financial Planning, LLC serve?**
By number of clients on Form ADV Item 5.D: high net worth individuals (38); individuals (other than high net worth individuals) (6); pension and profit sharing plans (but not the plan participants or government pension plans) (1).

**Which custodians does SMP Financial Planning, LLC use?**
SMP Financial Planning, LLC's most recent Form ADV filing (Schedule D, Section 5.K(3)) lists Charles Schwab & Co., Inc. and TIAA-CREF Individual & Institutional Services, LLC as custodians holding 10% or more of its separately managed account assets.

**Does SMP Financial Planning, LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's SEC record: https://adviserinfo.sec.gov/firm/summary/315300

**Does SMP Financial Planning, LLC state an account minimum?**
Its Form ADV Part 2A brochure dated November 1, 2025 says: "SMP generally does not impose a minimum relationship size."

**What changed in SMP Financial Planning, LLC's recent Form ADV filings?**
In the October 2026 filing data: Regulatory assets under management went from $64,387,095 to $78,289,709 (+22%).

## From the Form ADV filing

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

### Fees and minimums (Form ADV Part 2A brochure dated November 1, 2025)

- Account minimum: None

> SMP generally does not impose a minimum relationship size.

- Hourly rate: $150 to $500 an hour (financial planning services)

> Hourly fees range from $150 to $500 per hour, depending upon what is negotiated between SMP and the Client.

- Flat fee: $1,000 to $10,000 (longer-term consulting projects)

> Fixed fees for longer-term consulting projects range from $1,000 to $10,000 per project, and are calculated based on an hourly rate multiplied by the estimated time of project completion.

As stated in the firm's brochure. Fees can differ by service and may be negotiable.

### Custodians (Schedule D, Section 5.K(3))
- Charles Schwab & Co., Inc.
- TIAA-CREF Individual & Institutional Services, LLC

Custodians holding 10% or more of the firm's separately managed account assets, as filed on Form ADV (Schedule D, Section 5.K(3)). A custodian holds client assets; it does not endorse or supervise the firm. AdvisorCensus has no relationship with any custodian.

### Regulatory assets under management (Item 5.F)
- Total: $78,289,709
- Discretionary: $77,662,363
- Non-discretionary: $627,346

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 6 | $1,767,909 |
| High net worth individuals | 38 | $74,679,461 |
| Banking or thrift institutions | 0 | $0 |
| Investment companies | 0 | $0 |
| Business development companies | 0 | $0 |
| Pooled investment vehicles (other than investment companies and business development companies) | 0 | $0 |
| Pension and profit sharing plans (but not the plan participants or government pension plans) | 1 | $1,842,339 |
| Charitable organizations | 0 | $0 |
| State or municipal government entities (including government pension plans) | 0 | $0 |
| Other investment advisers | 0 | $0 |
| Insurance companies | 0 | $0 |
| Sovereign wealth funds and foreign official institutions | 0 | $0 |
| Corporations or other businesses not listed above | 0 | $0 |
| Other | 0 | $0 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses

### Firm details
- Registered since: 2025 (0 years)
- Employees: 2 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: DC, MD, NY, VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- smpfinancialplanning.com
- smpfp.com
- LinkedIn @91673601

## Changes in the filing (last 12 months)

### October 2026
- Regulatory assets under management went from $64,387,095 to $78,289,709 (+22%).

### January 2026
- Newly registered with the SEC.

### December 2025
- Updated its list of owners and control persons (Schedule A).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. SMP Financial Planning, LLC (CRD 315300): Form ADV filing data as of October 2026.