Why should you use a SmartVestor Pro?


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Qualified Professionals In Your Area

Not just anyone can become a SmartVestor Pro. We have been vetted by Dave Ramsey's team and we adhere to the SmartVestor Code of Conduct


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Client-First Mentality

As a SmartVestor Pro, we are committed to educating and empowering you. We don’t just offer a single company’s investment choices; we are constantly evaluating the best investments to help you reach your goals.


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Retire Inspired

We are committed to the long term. We know the baby steps work, and we will walk with you through each one of them. We'll teach you how to make smart decisions now to help you live your retirement dreams.

The Videos.

7 really short videos to answer the most common questions we hear.

Introducing Vault Wealth

Schedule Intro

What Services We Provide

How We Measure Success

Our Investment Philosophy

How We Get Paid

How We Differ

Our Qualifications

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Luke Milholland, CFP®,ChFC®,CLU®

Luke is the founder of Vault Wealth Strategies and is a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®). Vault Wealth Strategies is a Registered Investment Advisor, meaning we are Independent and don't have an agenda. Being Independent gives us the unique ability to not work on commission so we can give truly unbiased and conflict free advice. As a SmartVestor Pro, Luke and his team are committed to helping you understand every step of the investing process. Your SmartVestor plan will clearly show how your investments will help you achieve your goals, get started today!

Who We Serve

Some advisors only serve one kind of client, but we don't put our clients in the proverbial "box". We realize that we quite literally put them in boxes below, but you get the idea right??

The Vault Wealth System™ is built to help you where you're at.

Whether you’re just out of college or you feel like you should be saving for your kids college, we can help. Google causes lots of information overload, so we’ll help you understand what matters most so you can make the right moves.



We understand the challenge of keeping your personal finances separate from your business. Your time is valuable, you deserve to spend it building your business and the life you dreamed of. Not losing sleep wondering if you’re on track.



Healthcare, Equine, Attorneys, Engineers, IT, and more! A healthy income doesn’t automatically equate to financial freedom. We’ll help you turn a good earned income into passive & portfolio income so one day work can be optional.



You’ve worked hard and deserve to retire confidently. You shouldn’t have to worry about inflation or market dips. From Social Security to Medicare, we’ve got you covered. Know you're invested right and your finances are optimized.




The SmartVestor Pro program is a directory of investment professionals. Neither Dave Ramsey nor SmartVestor Pro are affiliates of Vault Wealth Strategies, LLC