Smarter and Wise
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$35,713,032
Clients
32
25% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
32
TypicalAverage account size
$1,116,032
About
The firm is a small independent advisory practice managing roughly $35.7 million for about 32 clients and serves individuals, high‑net‑worth clients, and corporate or business entities through financial planning, wealth management, and discretionary portfolio management. Offerings include one‑time and ongoing comprehensive retirement plans (RetireSmarter), hourly consultations, and investment management services.
The firm follows a plan‑first approach, typically guiding clients through an initial comprehensive retirement plan before moving into ongoing wealth management, and uses tools such as Monte Carlo analysis and a written investment policy to align portfolios with client goals and risk tolerance. Accounts are generally managed on a discretionary basis, and the firm may engage sub‑advisors or third‑party managers and conducts periodic reviews and regular client meetings.
Noteworthy features include providing ERISA 3(21) advisory services to qualified retirement plans, a form of pension consulting that is relatively uncommon among similar independent firms, with specific disclosures about excluded non‑public real estate assets. The principal maintains active real estate and insurance businesses and offers real estate planning and investment‑real‑estate guidance for clients with rental properties, creating an atypical overlap between advisory services and real estate brokerage activities.
Client services
Financial planning
Portfolio management
Pension consulting
Selection of other advisers
Expertise
General retirement planning
Income planning
Real estate investing
Business ownership considerations
Demographic focus
Approaching retirement
Fee options
RetireSmarter Plan: $5,800 - $10,000 (negotiable)
$0 - $1,000,000: 1.35% annually $1,000,000.01 - $3,000,000: 1.00% annually $3,000,000.01 - $5,000,000: 0.70% annually $5,000,000.01 - $10,000,000: 0.40% annually $10,000,000.01+: Negotiated
Insurance product commissions earned by Lorie Scheibel as a licensed insurance agent
$350 per hour for Hourly Consultation Services
Fee-only: Financial planning fees: RetireSmarter Plan $5,800 - $10,000 (negotiable); Ongoing Comprehensive Retirement Planning $4,000 - $12,000 per year (negotiable); Hourly Consultation Services $350 per hour (non-negotiable)
Main office location
Smarter and Wise
Crownsville MD, United States
Number of offices
1
Most active in
Smarter and Wise has reported serving >5 clients in these states in the last 12 months.
Maryland · Texas
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Real estate agent
They facilitate real estate transactions and may earn commissions.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")