Ben Smith
Cove Financial Planning, LLC · Milwaukee, Wisconsin
Ben Smith is a fee-only financial advisor at Cove Financial Planning, LLC in Milwaukee, Wisconsin, who holds the CFP and Chartered SRI Counselor credentials. Ben charges a percentage of assets and an ongoing planning fee (0.3%–0.95% a year of assets managed and a $1,000,000 asset minimum) and focuses on sustainable & impact investing, retirement planning and tax planning.
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Specialties
Who they serve
- Pre-retirees
- Retirees
- Early-career professionals
Facts
| Firm | Cove Financial Planning, LLC |
|---|---|
| Based in | Milwaukee, Wisconsin |
| Fee model | Percentage of assets · Ongoing planning fee |
| Fees (firm's website) | 0.3%–0.95% a year of assets managed · A $1,000,000 asset minimum |
| Works virtually | Yes |
| Accepting new clients | Yes |
| Assets under management | $99.0M across 234 accounts |
| Credentials | CFP · Chartered SRI Counselor |
| SEC registration | Investment adviser representative in IL, MN, TX, WI · CRD 6206436 |
| Exams passed | Series 63 (2013) · Series 66 (2013) |
| Firm size | 1 employee |
| Disclosures | None reported |
| Website | coveplanning.com |
| Profile |
How Ben's firm compares
- Cove Financial Planning, LLC's average account is about $423,000, from its Form ADV (assets managed divided by 234 accounts).
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Questions about Ben
Is Ben Smith a fee-only financial advisor?
Yes. Ben Smith is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Ben's firm.
How does Ben charge for financial advice?
Ben charges a percentage of assets and an ongoing planning fee.
How much does Ben charge?
According to Cove Financial Planning, LLC's website, checked October 28, 2026: 0.3%–0.95% a year of assets managed; a $1,000,000 asset minimum.
Does Ben work with clients virtually?
Yes. Cove Financial Planning, LLC says on its website that it works with clients remotely.
Where is Ben Smith based?
Ben Smith is based in Milwaukee, Wisconsin.
What does Ben specialize in?
Ben's specialties include sustainable & impact investing, retirement planning and tax planning. Ben works with pre-retirees, retirees and early-career professionals.
What credentials does Ben Smith hold?
Ben Smith holds the CFP and Chartered SRI Counselor credentials.
Is Ben Smith registered with the SEC?
Yes. Ben Smith is registered as an investment adviser representative in IL, MN, TX and WI (CRD 6206436), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How much does Cove Financial Planning, LLC manage?
Cove Financial Planning, LLC reports $99.0M across 234 accounts in assets under management.
How do I contact Ben Smith?
Through Ben's website, coveplanning.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- NAPFA directory listing : NAPFA admits only fee-only advisors
- XY Planning Network directory listing : XYPN members are fee-only
- Cove Financial Planning, LLC website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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