Rand Spero

CFP®, MBA, Ed.M.

Street Smart Financial, LLC


Rand Spero

CFP®, MBA, Ed.M.

Street Smart Financial, LLC


As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Rand Spero, CFP®, MBA, Ed.M.

(781) 860-7878

Fee-Only financial planner located in Lexington, MA, serving clients locally and across the country

Rand Spero is a Lexington, MA fee-only financial planner. Street Smart Financial, LLC provides comprehensive and objective financial planning and investment management to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Rand Spero is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Rand Spero is President of Street Smart Financial LLC, a financial planning and investment management firm located in Lexington, Massachusetts.

Rand has a background in corporate strategic planning, economics, marketing, and psychology, which provides a multi-disciplinary approach to financial matters. He successfully completed the Financial Planning program from Boston University and is a board designated CERTIFIED FINANCIAL PLANNER™. He is frequently quoted in major publications such as the Wall Street Journal, Forbes, and Consumer Reports Money Adviser.

He has worked as an independent strategic planning consultant for major firms such as AT&T, Blue Cross Blue Shield, Cellular One, Comcast, John Hancock, Novartis, Time Warner, and Viacom, helping them anticipate and respond to future economic trends.

Rand conducts financial planning workshops for organizations such as the Tufts University Osher Lifelong Learning Institute and Massachusetts General Hospital. He has taught courses in Service Marketing and Competitive Strategic Marketing at Northeastern University Graduate School of Management.

Rand is a member of the National Association of Personal Financial Advisors (NAPFA) and the Financial Planning Association (FPA). He provides pro-bono financial coaching services to cancer patients through the Dana-Farber Cancer Institute in Boston. He is a board member of the Lexington Cary Memorial Library Foundation, a founding advisory council member for the Clay Center for Young Healthy Minds at Massachusetts General Hospital, and a trustee of the Massachusetts Eye and Ear Infirmary.

Harvard University   Ed.M.  Organizational Behavior

UCLA                             MBA    Strategic Planning

Vassar College           BA       Psychology

Rand Spero is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

Street Smart Financial is an independent, registered investment advisory firm located in Lexington, Massachusetts. We help clients develop and implement a comprehensive financial strategy. Our fee-only personal approach can help you achieve your financial goals. We do not receive any commissions for any products or referrals.

Our Perspective
We take a multi-disciplinary approach to planning and investing. Our president’s background in psychology helps us better understand our clients’ values, financial needs and goals. His background in strategic planning helps us develop various scenarios which must be considered.

Our president’s background as an educator helps him demystify the financial jargon and educate clients about their own personal financial situations. We apply the same care and attention to our client’s investment portfolio as we do to our own portfolios.

Our Approach
A thorough understanding of each client enables us to determine how much risk they are willing to take for a certain level of return. We consider each clients employment and financial situation before developing specific investment strategies and portfolios. A clients’ personal situation can change and we revise their portfolios to reflect this.

We employ a “Tactical Asset Allocation” when investing. This means that some asset classes can be weighted differently from the overall market depending on the perceived opportunities. We combine low-cost index funds or exchange-traded funds with select no load (no commissions) active funds that meet our criteria. We pay particular attention to economic trends and follow an approach that structures a global, well-diversified portfolio.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

Contact Rand Spero

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Office Locations:

  • 4 Militia Dr
    Suite 16
    Lexington, MA 02421

Why I'm an Advisor with Rand Spero

Published on Aug 12, 2015

Retirement “Coverage”

Published on Aug 15, 2016

Advisor Rand Spero of Street Smart Financial says retirees are often concerned about longevity, and their potential need for 30-plus years of financial “coverage.”

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