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Who is Dave Ramsey and what is the SmartVestor™ program?

Dave Ramsey is a financial author, radio host, television personality, and motivational speaker. His shows and writings strongly focus on encouraging people to get out of debt. Dave began his career in real estate and by the time he was 26, he had a net worth of a little over a million dollars and was earning $250,000 a year. However, he was also heavily in debt and was eventually forced to declare bankruptcy. Over the next few years, he developed a simple set of financial lessons and materials based on his own experiences and on the works and teachings of others. Ramsey Solutions was formed in 1992 to counsel others hurting from the results of financial stress. The mission statement of Ramsey Solutions is to “provide biblically based, common-sense education and empowerment that give HOPE to everyone in every walk of life”. The SmartVestor program is an extension of that mission to help others. SmartVestor Pros are financial professionals dedicated to helping people in all stages of life to make wise and informed financial decisions.

Laurie Humphrey at Granite Financial is proud to be a SmartVestor Pro for the St. Cloud region.  She offers complimentary financial consultations and custom investment solutions.  She is committed to the principals of saving, debt elimination, planning for long-term goals, and financial education.

Why should you use a SmartVestor™ Pro?

  • Client-First Mentality – SmartVestor Pros are committed to educating and empowering you to help you work towards your long-term investing goals.
  • Smart Wealth Building – SmartVestor Pros will help you build wealth by investing for the long-term.
  • Fast, Friendly Service – Got a question? SmartVestor Pros commit to giving you a fast response, often within 24 hours.
  • More Choices, More Options – SmartVestor Pros don’t just offer a single company’s investment choices. They have access to hundreds of investments to help you pursue your goals.

Dave Ramsey’s SmartVestor™ Pro is a directory of investment professionals. Neither Dave Ramsey nor the SmartVestor program are affiliates of Granite Financial, LLC. Dave Ramsey Endorsed Local Providers (ELP's) is for investment services only.  Dave Ramsey's endorsement does not extend to the financial planning or investment advisory services offered by Laurie Humphrey. ELP’s pay a fee to be included in the ELP network.

How We Can Help

We believe that financial planning is about more than just investing. Through the heart of a teacher, we work with each client to make sure they understand every step of the process. Whether you are working through one of Dave’s 7 Baby Steps or just getting started, we are here to help.

Comprehensive financial planning is about building wealth through a process, not a product. A plan provides not only direction, but also an integrated strategy to try and better your overall financial life over time. A comprehensive plan takes into consideration the entirety of your financial life. Your assets, liabilities, taxes, income, business, etc. These aspects of your financial life are never isolated from each other.

Our Planning Services

  • Comprehensive Financial Planning:
    Develop an overall picture of yourself as an individual, and an investor, that will be used to create a financial plan and strategy that fits your present and future goals.
  • Retirement Planning: 
    Develop a strategy for a comfortable retirement through defining your retirement goals.
  • College Planning:
    Identify the costs associated with education and develop a plan to fund these expenses.
  • Estate Planning:
    Help ensure that your wealth will be transferred according to your wishes and with a smooth transition to your heirs.
  • Insurance Planning:
    Make sure that your assets are protected by having the appropriate Life, Long Term Care and Disability insurance.
  • Business Planning:
    Develop a strategy for business growth and determine the retirement funding vehicle that is best for you and your employees.