A Smarter Way to Invest

A Smarter Way to Invest primarily provides investment advisory services to other registered investment advisers and to retirement plan fiduciaries, offering model portfolios, allocation guidance, and institutional support through SMA/sub‑advisory, TAMP, Signal Provider, and manager‑of‑managers arrangements. The firm generally does not advise retail clients directly; engaging RIAs retain the end‑client relationship and responsibility for suitability and disclosures.

The firm implements its Smarter Way Strategies using a mix of fundamental, technical, and quantitative/systematic analysis and typically employs ETFs, exchange‑listed equities, and fixed income instruments, with some strategies using risk‑on/risk‑off rules and periodic rebalancing that can be relatively active. Depending on the program, Smarter Way may have discretionary trading authority over model sleeves or instead deliver trade signals that RIAs execute, and it conducts ongoing monitoring and periodic (generally monthly) reviews of strategy implementation.

Distinctive aspects include its primary client base of other RIAs — an uncommon client focus for firms in this category — and the availability of retirement plan services, including the potential to serve as an ERISA section 3(38) investment manager when engaged; the firm managed about $150 million in discretionary assets as of March 2026. Although it does not sponsor a wrap‑fee program, Smarter Way commonly supports wrap accounts sponsored by engaging RIAs and may receive a portion of wrap fees; it also makes third‑party managers available, discloses an affiliated IMO/BGA relationship, and may assess per‑account technology fees, all of which are noted as potential conflicts in the brochure.