Rand Spero
CFP®, MBA, Ed.M.
Street Smart Financial, LLC
President
Rand Spero
CFP®, MBA, Ed.M.
Street Smart Financial, LLC
President
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.
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.
Specialties
- 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
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Rand Spero is a NAPFA-Registered Financial Advisor
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.
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Rand Spero is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification
CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
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Rand Spero is a member of The Financial Planning Association® (FPA®)
FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.
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Rand Spero is Featured in the Wall Street Journal on "Helping Young Clients Prioritize Savings"
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Rand Spero is Quoted in MarketWatch: "Everything you need to do before you retire"
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Rand Spero is Quoted in Money Magazine: "This is How Much Money You Should Have in Stocks — at Every Age"
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Rand Spero is Quoted on Kiplinger: "7 Common Money Conflicts in Marriage and How to Solve Them"
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Rand Spero is Quoted on CNBC: "Retirees should look carefully before leaping into a relocation"
Contact Rand Spero
Office Locations:
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4 Militia Dr
Suite 16
Lexington, MA 02421