This so called "Financial Planner" is really a fast talking insurance salesman. All talk and high fees. You will be expected to buy expensive(costing thousands of dollars) get out of debt programs, expensive insurance and loans.All of the people he will refer you to for loans, insurance etc. get their little piece of the pie (the pie being your money). All of the testimonials on his web site are people he refers business to, goes to Kingdom Hall with or are no longer clients. According to Manta.com Smart Money Financial has 1 employee and an annual revenue of only $87,000.