Matt Smith, CFA®, CFP®
Financial Advice for BigLaw Attorneys
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Concert Financial Planning
Matt Smith, CFA®, CFP®
Houston, TX
Serving Clients Nationwide
Financial Advice for BigLaw Attorneys
5 out of 5 Stars
Rate this
Advisor
Areas of Focus
- Investment Management
- Setting Up Retirement Accounts
- Student Loan Advising
- Student Loan Repayment Plan Advising
- Taxes
About Matt Smith, CFA®, CFP®
Hi, I'm Matt Smith. Before launching Concert Financial Planning, I spent 14 years working for asset managers that built mutual funds and exchange-traded funds (ETF’s) for investors around the world.My clients were financial advisors at large bank brokerages and independent firms across the central United States, and my role was to educate them on my company’s investment products, economic views, portfolio construction, industry trends, and much more.
This background is relevant because it afforded me the opportunity to work with thousands of financial advisors across the country, sharing best practices for everything from investment portfolio construction and financial planning techniques to investor education and client service models.
Along the way, I complemented that real-world experience with ongoing education through certification programs focused on investment analysis, portfolio construction, and financial planning.
All of this has culminated in my ability to apply this deep knowledge for the benefit of my clients. I have seen many different structures for financial advisory firms and have chosen to operate as an independent advisor with a fiduciary duty to my clients at all times.
I have seen the pitfalls that come with emotional investing and have chosen to follow a well-defined investment process that focuses on clients’ individual needs rather than on the latest headlines. I have seen the results of stagnation in education and have chosen to continue learning through formal certification programs so that I can remain at the forefront of financial research, techniques, and opportunities to get better at my craft.
✅ Motivation
I have found that there is a clear lack of financial expertise and guidance made available to people that are not in retirement or retiring soon. High earning individuals and young families can and should get on the right financial path much earlier than they often do.
One of the problems with the old financial services model is that it relied on a client having a large investment account to pay for financial advice, resulting in a myopic focus on people that had already done much of the hard work of building a large savings account on their own. However, because these clients did not have proper planning guidance in the early stages of their careers, there were often missed opportunities and problems that built up over time.
My firm is built to make expert financial advice available to people early on so that they can take advantage of the greatest investment opportunity - time - and so that we can make plans to avoid costly mistakes down the road. The result is confidence and security in your financial life so that you can invest your time and energy into the things that matter most to you.
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
- Chartered Financial Analyst (CFA)
Affiliations
-
CFA Institute
- Fee Only Network
- National Association of Personal Financial Advisors
- XY Planning Network
- Fee Only Network
Primary Location
2950 NORTH LOOP WEST, STE 500, HOUSTON, TX, 77092
Video
https://www.youtube.com/channel/UCjU-GFa7TR5CvMHaeE7c7AgMeeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Fee Only
- Flat Fee
- Hourly Rate
- Percentage of Assets Managed
- Subscription
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule a free introductory call. In order to determine whether you want to work with us, it’s helpful to get a sense of how we would work with you. And we also need to be sure that we are the best firm to address your needs.Offers Investment Management
Yes
About Concert Financial Planning
Concert Financial Planning is a financial planning firm designed for BigLaw attorneys.As a Registered Investment Advisor (RIA) in Texas and Georgia, we are bound by the Fiduciary Standard, meaning that we must act in the best interest of our clients at all times. Additionally, we earn compensation on a fee-only basis, which means that we do not sell products or accept commissions and are instead compensated solely for our advice. The goal is to mitigate conflicts of interest that can arise when an advisor can be paid differently depending on what they recommend to a client.
The firm is built to work with clients that are smart enough to “do it themselves” but prefer to deploy their time and resources to their own career, family, and interests. We have organized our service offerings to align with the career path of an attorney starting out as a BigLaw Associate and growing into their career, wherever it takes them. Wherever you are on the journey, we’re ready to help you.
Education
The University of Texas at Austin, B.A., Economics
Languages
- English
Hobbies and Interests
- Music
SEC Lookup
View DisclosureWho We Serve
- Attorneys
- Gen X
- Gen Y / Millennials
- Gen Z
- Women Professionals
- Young Families
To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for marketing services (including being featured on this profile page), subject to terms of use. This compensation creates a natural conflict of interest when we favor their promotion over others. Wealthtender is not a client of these advisors or firms. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.
Write a Review
By clicking submit, you acknowledge this review is based on your own experience and reflects your genuine opinion. You also agree to our review policy, privacy policy, and terms and conditions, and give this financial advisor permission to publicly display your review on their website.
5 Stars
✅ Wealthtender Certified Advisor Review™
Apr 29, 2025
We found Matt in 2021.
We were looking for a change in hopes of finding someone who’d reply timely to our email & phone questions.
Matt does a tremendous job communicating and I sometimes test him with off-hrs questions.
Matt is a Chartered Financial Analyst (CFA) and I wanted an advisor who had this gold standard designation.
To this day we feel fortunate to have found Matt Smith to personally help us manage the financial part of our retirement.
Tom K.
Nancy K.
Iowa
PS: we’ve been thru a couple mkt drops in our 4 yrs with Matt and his upfront, proactive planning has helped us weather downturns without panic.
Relationship to Financial Advisor: Client as of Apr 29, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Apr 28, 2025
My wife and I have been working with Matt for over a year and a half, and we’ve been extremely satisfied with the entire experience. His financial plan is thoughtful, well-structured, and clearly explained. Matt is always prompt and attentive when we have questions or specific needs, and he’s genuinely a pleasure to work with. If you’re seeking a Certified Financial Planner, I highly recommend Matt.
Relationship to Financial Advisor: Client as of Apr 28, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Apr 28, 2025
Matt is an exceptional financial planner. He’s thorough, creative, and responsive, and his online tools and platforms are top-notch. Matt also breaks down complex topics and makes them easily digestible. Highly recommend to anyone looking for a CFP, especially those in the legal field or practicing at a law firm.
Relationship to Financial Advisor: Client as of Apr 28, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Apr 27, 2025
Relationship to Financial Advisor: Client as of Apr 27, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Apr 27, 2025
Matt is a big reason I’m still married. Before we worked with him I absolutely hated having financial discussions with my husband…talking about money and planning for the future just made me very uncomfortable. I also wasn’t thrilled about spending money on a business to tell me how to spend my money.
We have been working with him for several years now and he’s been great. He has found ways to save us money and doesn’t talk to me like I’m totally ignorant about financial planning/retirement (which I might be). As a lawyer, I am naturally cautious about trusting people. He is seriously great. I like him more and trust him more than some of my own family. He has never tried to stifle my overpriced latte budget and has been truly understanding of our priorities for the future.
You won’t regret it.
Relationship to Financial Advisor: Client as of Apr 27, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Apr 27, 2025
Super responsive, super helpful and attentive to our needs. Matt has been able to make sense of our messy financial situation.
Relationship to Financial Advisor: Client as of Apr 27, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
5 Stars
✅ Wealthtender Certified Advisor Review™
Apr 27, 2025
We’ve been working with Matt for over two years now and couldn’t be happier. He is attentive, knowledgeable, and always makes himself available whenever we have questions or need advice. Matt takes the time to understand our goals and has helped us feel confident about our financial future. We genuinely feel like we’re in good hands with Matt and his team. Highly recommend!
Relationship to Financial Advisor: Client as of Apr 27, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
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