# Jarryd Smith

> Jarryd Smith is a fee-only financial advisor at Harbor Light Planning, LLC in Royal Oak, Michigan, who holds the CFP credential. Jarryd charges an ongoing planning fee (no asset minimum) and focuses on tax planning and retirement planning.

Page: https://find.wellspent.co/advisors/jarryd-smith/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Harbor Light Planning, LLC
- **Based in:** Royal Oak, Michigan
- **Fee model:** Ongoing planning fee
- **Fees (firm's website):** no asset minimum
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $111.1M across 314 accounts
- **Credentials:** CFP
- **Specialties:** Tax planning, Retirement planning
- **CRD:** 7404962 (https://adviserinfo.sec.gov/individual/summary/7404962)
- **SEC registration:** Investment adviser representative in MI
- **Exams passed:** Series 65 (2021)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** http://harborlightplanning.com

## Frequently asked questions

### Is Jarryd Smith a fee-only financial advisor?

Yes. Jarryd Smith is listed in the NAPFA directory (NAPFA admits only fee-only advisors). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Jarryd's firm.

### How does Jarryd charge for financial advice?

Jarryd charges an ongoing planning fee.

### How much does Jarryd charge?

According to Harbor Light Planning, LLC's website, checked October 28, 2026: no asset minimum.

### Where is Jarryd Smith based?

Jarryd Smith is based in Royal Oak, Michigan.

### What does Jarryd specialize in?

Jarryd's specialties include tax planning and retirement planning.

### What credentials does Jarryd Smith hold?

Jarryd Smith holds the CFP credential.

### Is Jarryd Smith registered with the SEC?

Yes. Jarryd Smith is registered as an investment adviser representative in MI (CRD 7404962), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Harbor Light Planning, LLC manage?

Harbor Light Planning, LLC reports $111.1M across 314 accounts in assets under management.

### How do I contact Jarryd Smith?

Through Jarryd's website, harborlightplanning.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/3565): NAPFA admits only fee-only advisors
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://harborlightplanning.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.