Smarter With Money

What Smarter With Money does

Smarter With Money is a private, boutique financial advisory and retirement-planning practice operating in the greater Austin and Texas Hill Country region, structured as a DBA of Cort Dial Consulting LLC alongside the Alto Financial Group Texas brand. Founded in 2016, the firm employs between 11 and 50 people and serves a single narrowly defined segment: pre-retirees and retirees seeking comprehensive retirement planning that goes beyond investment allocation. Its core offering, the "Safe Wealth Plan" (delivered via the "Safe Wealth Architect" framework), merges licensed financial advisory services with business and lifestyle coaching to address tax-efficient withdrawals, longevity, volatility, sequencing and inflation risk, Social Security and pension optimization, long-term care preparation, and legacy planning.

The firm operates as a relationship-based practice rather than a technology platform. No proprietary software, algorithms, APIs, or AI/ML infrastructure are disclosed; service delivery centers on one-on-one consultation between clients and a father-son advisory team (Charlie Dial as licensed financial advisor and insurance agent; Cort Dial as seasoned business coach and licensed insurance agent). Supporting assets include two founder-authored books — the Safe Wealth Plan (Retirement Income Planning Wealth Method) on Amazon and Cort Dial's leadership book "Heretics to Heroes: A Memoir on Modern Leadership" (print and Audible, Gold Award recipient) — used as content marketing and credibility assets.

Revenue is generated through individually quoted (non-public) recurring advisory engagements; pricing is not disclosed and a complimentary initial consultation is offered. The go-to-market is direct-to-consumer and consultative, with the smarterwithmoney.com Squarespace site serving as the primary marketing presence and Calendly as the consultation-booking funnel. Distribution is entirely domestic (Texas), the customer base is composed of individuals and families rather than enterprises, and no institutional investors, funding rounds, M&A activity, or regulatory actions are indicated in the source material.

Name

Smarter With Money

Legal name

Cort Dial Consulting LLC

Website

https://smarterwithmoney.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Smarter With Money is a Texas-based financial advisory practice serving pre-retirees and retirees through its proprietary Safe Wealth Plan, which blends licensed financial advice with business coaching to address tax, Social Security, longevity, and lifestyle planning.

Ownership category

akta.pro rank

Product category

Financial Advisory and Retirement Planning

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEABAD

Retirement Income Planning & Decumulation Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

Keywords

• Retirement planning
• Wealth management
• Financial advisory
• Retirement income planning
• Lifestyle planning

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D

Revenue model

1. Financial Advisory Services: Revenue is generated through financial advisory and planning services for individuals and families preparing for retirement. The firm offers personalized Safe Wealth Plans that blend financial coaching with lifestyle design. The specific fee structure (fee-only, commission-based, or hybrid) is not publicly disclosed on the website.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Smarter With Money designs personalized "Safe Wealth Plans" for individuals and families approaching or in retirement. The service blends licensed financial advisory (tax-efficient withdrawals, Social Security optimization, risk mitigation) with business/lifestyle coaching to create a holistic retirement roadmap. Services are delivered one-on-one by a father-son advisory team (Charlie Dial and Cort Dial) under the Alto Financial Group Texas brand, with clients typically booking a complimentary consultation as the entry point.

Product overview

Smarter With Money (operated by Alto Financial Group, Texas) offers a single unified service called the Safe Wealth Plan—a comprehensive retirement planning approach that combines financial advisory with lifestyle design coaching. The core Safe Wealth Architect methodology differs from traditional advisors by addressing holistic life goals alongside financial technicalities. Additional offerings include the Safe Wealth Plan book available on Amazon, Cort Dial's leadership book 'Heretics to Heroes', and a complimentary consultation service. The company also operates Trent Reynolds Player Development as a separate coaching venture. Services are delivered across Texas locations including Austin, Leander, Cedar Park, Round Rock, and Georgetown.

Differentiator

Problem solved

Functional benefit

Products and services

• Safe Wealth Plan A personalized retirement planning service for pre-retirees and retirees that blends financial advisory with lifestyle design. Plans incorporate tax-efficient withdrawal strategies, risk minimization (longevity, volatility, sequencing, inflation), Social Security and pension optimization, long-term care preparation, and adaptability to unexpected life events. Delivered one-on-one by Charlie Dial and Cort Dial through co-design sessions with clients.
• Complimentary Consultation A no-cost 45-minute consultation booked through Calendly for prospective clients to evaluate fit with the Safe Wealth Plan approach before engaging in paid advisory services.
• Safe Wealth Plan (Book) Published book available on Amazon that explains the Safe Wealth Plan methodology for retirement income planning. Used as a top-of-funnel educational product and lead-generation tool for the firm's advisory services.
• Heretics to Heroes: A Memoir on Modern Leadership

Quantifiable outcome

• 96% of those with a solid wealth plan express confidence in having sufficient retirement income

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Trent Reynolds Player Development (TRPD)minorOthersCharlie and Cort Dial, alongside Cort's son-in-law and Charlie's sister, Trent and Katy Reynolds, are the founders of Trent Reynolds Player Development (TRPD). This appears to be a family business venture in baseball player development rather than a commercial partnership. The company is mentioned as context about the founders' broader activities and family involvement in coaching.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Carson Group: Carson Group is a large RIA support platform with deep retirement-income planning specialization and coaching-driven advisor development. Comparable as a retirement-focused advisory firm/platform, but operates at vastly greater scale across the US rather than one Texas region.
• Creative Planning: Creative Planning is one of the largest US RIAs offering comprehensive retirement, tax, and estate planning to affluent individuals. Comparable in offering retirement planning services to high-net-worth clients, but with a much larger advisor footprint and broader national service capability.
• Empower Retirement: Empower is a major US retirement-focused wealth management and recordkeeping platform serving millions of participants. Comparable target segment of pre-retirees and retirees, but operates at national scale with substantial technology and brand investment.
• Fisher Investments: Fisher Investments is a large global investment-advisory firm with significant retirement-income and wealth management focus for high-net-worth individuals. Comparable in serving affluent retirees with personalized portfolio and income advice, but with vastly greater scale and a single-model portfolio approach.

Direct peers

• Ed Slott and Company: Ed Slott and Company is a retirement tax-planning advisory and education firm specializing in IRA distribution and tax-aware retirement income. Directly comparable niche focus on retirement tax, distribution, and decumulation planning for individuals approaching or in retirement.
• Income Lab: Income Lab builds retirement-income-focused planning software and advises firms/individuals on sustainable withdrawal strategies. Directly comparable to Smarter With Money in targeting the 'second life' decumulation phase rather than accumulation, and similarly advisor-led.
• Boldin (formerly NewRetirement): Boldin offers DIY and advisor-supported retirement planning tools focused on holistic retirement outcomes including Social Security, taxes, and healthcare. Similar in targeting retirement-income/holistic planning clients, though delivered primarily through software rather than bespoke coaching.
• CEG Worldwide: CEG Worldwide provides retirement-income coaching, marketing systems, and advisory practice support to retirement-focused advisors. Comparable in pairing retirement-income content/coaching with an advisor-services practice serving pre-retirees and retirees.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/cortdial
• Facebookfacebook.com/CortDial
• LinkedInlinkedin.com/company/cort-dial-consulting-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Smarter With Money