# Matthew Smith

> Matthew Smith is a fee-only financial advisor at Concert Financial Planning, LLC in Houston, Texas, who holds the CFA and CFP credentials. Matthew charges a flat fee or retainer, an ongoing planning fee and hourly fees (ongoing planning from $4,000 a year) and focuses on flat-fee planning, tax planning and student loans.

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

## Facts

- **Firm:** Concert Financial Planning, LLC
- **Based in:** Houston, Texas
- **Fee model:** Flat fee or retainer; Ongoing planning fee; Hourly
- **Fees (firm's website):** ongoing planning from $4,000 a year
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $28.6M across 168 accounts
- **Credentials:** CFA, CFP
- **Specialties:** Flat-fee planning, Tax planning, Student loans
- **Works with:** High earners, Early-career professionals
- **CRD:** 4948988 (https://adviserinfo.sec.gov/individual/summary/4948988)
- **SEC registration:** Investment adviser representative in CA, DC, GA, TX
- **Exams passed:** Series 63 (2005), Series 65 (2019)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** https://concertplanning.com

## Frequently asked questions

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

Yes. Matthew 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 Matthew's firm.

### How does Matthew charge for financial advice?

Matthew charges a flat fee or retainer, an ongoing planning fee and hourly fees.

### How much does Matthew charge?

According to Concert Financial Planning, LLC's website, checked October 28, 2026: ongoing planning from $4,000 a year.

### Where is Matthew Smith based?

Matthew Smith is based in Houston, Texas.

### What does Matthew specialize in?

Matthew's specialties include flat-fee planning, tax planning and student loans. Matthew works with high earners and early-career professionals.

### What credentials does Matthew Smith hold?

Matthew Smith holds the CFA and CFP credentials.

### Is Matthew Smith registered with the SEC?

Yes. Matthew Smith is registered as an investment adviser representative in CA, DC, GA and TX (CRD 4948988), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Concert Financial Planning, LLC manage?

Concert Financial Planning, LLC reports $28.6M across 168 accounts in assets under management.

### How do I contact Matthew Smith?

Through Matthew's website, concertplanning.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/45628): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://www.concertplanning.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.