# Smart Money Group

Smart Money Group is a Bank / Wealth / Trust based in Eastland, United States.

## Overview

- **Organization type:** Bank / Wealth / Trust
- **Headquarters:** Eastland, United States
- **Region:** North America
- **Address:** PO Box 895, 106 S Seaman St, Eastland, TX 76448, United States
- **Founded:** 2016
- **Assets under management:** Undisclosed
- **Website:** smartmoneygroup.net

## Regulatory record

- **CRD number:** 284187
- **SEC file number:** 801-107979
- **Registration status:** APPROVED
- **Latest Form ADV filing:** 2026-04-07T05:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/284187

## About

Smart Money Group, established in 2016 in Eastland, Texas, positions itself as an independent registered investment adviser structured to serve both individual and high-net-worth clients. The firm operates a platform “For Advisors By Advisors,” emphasizing a shared-practice model where affiliated financial professionals collaborate rather than compete — its client-facing literature stresses that it seeks “to be the competition, not fight the competition.” The firm’s investment advisory services range across asset management, investment planning, and portfolio construction. Securities transactions are executed through Calton & Associates, Inc., an unaffiliated broker-dealer and RIA, a relationship that separates custody and brokerage functions from Smart Money Group’s fiduciary advisory. The geographic footprint is concentrated in Texas, with its Eastland office serving as the hub, though no additional office locations are disclosed. Publicly available records do not disclose assets under management, total deployment, or number of advisory professionals. The firm provides financial-planning content through a learning center, a podcast titled “Life Planning 101,” and a market-commentary series called “Black & White Market Chatter.” No philanthropic foundations, real-asset vehicles, or organized co-investment clubs are publicly documented. The structural differentiator lies in Smart Money Group’s affiliation model: the entity is a registered investment adviser whose advisors conduct securities business through Calton & Associates, while a related entity, Kennedy Financial Services, Inc., operates separately from both firms. This architecture creates a multi-entity suite, though the nature of shared ownership or control between Smart Money Group and Kennedy Financial Services remains undisclosed.

## Sectors

- Wealth Management
- Financial Services

## Questions

### How is Smart Money Group structured from a regulatory standpoint?

Investment advisory services are offered through Smart Money Group, LLC, a registered investment adviser. Securities are offered through Calton & Associates, Inc., an unaffiliated broker-dealer and RIA, meaning custody and transaction execution sit outside Smart Money Group. The firm's website also references Kennedy Financial Services, Inc., which is not owned or controlled by either Smart Money Group or Calton & Associates.

### What client segments does Smart Money Group serve?

The firm describes its advisory services as available to individuals, high-net-worth individuals, and various organizations. Content on the site — including life-planning articles and a podcast — is oriented toward personal financial planning and wealth-management topics relevant to retail and high-net-worth households.

### What is the relationship between Smart Money Group and Kennedy Financial Services?

The firm's disclosure states that Smart Money Group, LLC and Kennedy Financial Services, Inc. are not owned or controlled by Calton & Associates and are separate from one another. Beyond that statement, the precise ownership, control, or operational relationship between the two entities is not publicly detailed.

### How do advisors at Smart Money Group execute securities transactions for clients?

Advisors affiliated with Smart Money Group place securities trades through Calton & Associates, Inc., which is a FINRA-member broker-dealer and registered investment adviser. This broker-dealer affiliation is standard for independent RIAs that do not custody assets directly.

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Last updated: 2026-06-03T20:00:00.000Z

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