Making Your Money Work Harder

About Smart Money Wizard

Smart Money Wizard is a free resource for personal finance tools, guides, and product comparisons. We are not a bank, a financial advisor, or a brokerage. We research financial products, build interactive calculators, and write plain-English guides that help you make better decisions with your money.

The "Wizard" is just a fun name. What we actually do is track rates, compare features, and explain tradeoffs so you can check the math before choosing a financial product.

Who Reviews the Content

Larry is the site's content editor and primary reviewer. He oversees all guides, comparisons, and calculators.

Every article on this site is researched, drafted, and reviewed by a human before it goes live. Content may use AI assistance during drafting, but the goal is always plain-English explanation, clear assumptions, and links back to provider or public sources wherever current terms matter.

How This Site Works

Everything on this site follows three principles:

• We show our work. Every rate, APY, and fee we mention includes the date we last checked it. If a number changes, we update it. You will see "last verified [month year]" on every guide.
• We keep it simple. Financial companies make money by confusing you with jargon. We do the opposite. If you need a finance degree to understand our advice, we have failed.
• We are upfront about how we earn. This site uses affiliate links. When you click a link and open an account or buy a product, we may earn a commission — at no extra cost to you. Those commissions keep the site free and independent. We never take money to write a positive review, and we never recommend a product we would not use ourselves.

Editorial Policy

• All content is reviewed by a human editor before publication
• Rates and offers are checked monthly and dated on each page
• Product comparisons are based on publicly available data, not sponsored placements
• If a product changes its terms (fee increases, rate drops), we update our review within 30 days
• We link to our sources where possible (FDIC, FRED, bank disclosure pages, regulatory filings)

How We Make Money

Smart Money Wizard participates in affiliate programs including (but not limited to) SoFi, Wealthfront, Fidelity, and other financial platforms. If you sign up for a product through our link:

• You pay nothing extra
• You may get a bonus or promotional rate through our partnership
• We receive a commission from the provider

No paid placements, no sponsored reviews, no pay-to-play. See our full disclosure page for details.

Frequently Asked Questions