# Ryan Smeltzer

> Ryan Smeltzer is a fee-only financial advisor at Highland Consulting Associates in Cleveland, Ohio, who holds the CFA credential. Highland Consulting Associates reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/ryan-smeltzer/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Highland Consulting Associates
- **Based in:** Cleveland, Ohio
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $21.93B across 468 accounts
- **Credentials:** CFA
- **CRD:** 7336623 (https://adviserinfo.sec.gov/individual/summary/7336623)
- **SEC registration:** Investment adviser representative in OH
- **Exams passed:** Series 65 (2021)
- **Firm size:** 28 employees
- **Disclosures:** None reported
- **Website:** http://www.highlandusa.net

## Frequently asked questions

### Is Ryan Smeltzer a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Ryan holds no broker registration, and Highland Consulting Associates reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Ryan charge for financial advice?

Ryan's firm, Highland Consulting Associates, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Ryan Smeltzer based?

Ryan Smeltzer is based in Cleveland, Ohio.

### What credentials does Ryan Smeltzer hold?

Ryan Smeltzer holds the CFA credential.

### Is Ryan Smeltzer registered with the SEC?

Yes. Ryan Smeltzer is registered as an investment adviser representative in OH (CRD 7336623), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Highland Consulting Associates manage?

Highland Consulting Associates reports $21.93B across 468 accounts in assets under management.

### How do I contact Ryan Smeltzer?

Through Ryan's website, www.highlandusa.net.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7336623): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

---

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