Michelle Smith

PENNEY FINANCIAL

Cypress, TX

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CRD#: 4842501

Professional summary

Michelle Smith, who also goes by Michelle Rebecca Smith, Michelle Rebecca Spilde, is a registered financial advisor currently at PENNEY FINANCIAL located in Cypress, Texas.

Michelle is registered as an IAR (Investment Advisor Representative) and started their career in finance in 2017. Michelle has worked at 4 firms and has passed the Series 66, Series 7TO, SIE and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Michelle Rebecca Smith | Michelle Rebecca Spilde

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

1- THE SMITH PROPERTY GROUP. POSITION: Chief Financial Officer/Owner. NATURE: Rental Property Management. INVESTMENT RELATED: No NUMBER OF HOURS: 1 SECURITIES TRADING HOURS: 1 START DATE:11/2011 ADDRESS: 20824 GOLDENROD LN, ROGERS, MN 55374, United States DESCRIPTION: Oversee all rental properties, collect rent, arrange maintenance for the properties. 2- Metropolitan Glass; Not Investment Related; Cypress, TX; Glass Manufacturing and Installation; Assistant Project Manager; Approximately 80 hours/month with some during securities trading hours

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Michelle Smith's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Current

March 3, 2023 - Present

PENNEY FINANCIAL

RIA

CRD#: 282084

Cypress, TX

Past

February 25, 2020 - April 30, 2021

KCD FINANCIAL, INC.

CRD#: 127473

Minnetonka, MN

Past

February 20, 2020 - April 30, 2021

KCD FINANCIAL, INC.

RIA

CRD#: 127473

Minnetonka, MN

Past

October 13, 2017 - June 11, 2018

QUESTAR ASSET MANAGEMENT, INC.

RIA

CRD#: 133358

VADNAIS HEIGHTS, MN

Past

May 8, 2017 - June 11, 2018

QUESTAR CAPITAL CORPORATION

CRD#: 43100

VADNAIS HEIGHTS, MN

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

PENNEY FINANCIAL

PENNEY FINANCIAL | PENNEY FINANCIAL, LLC

CRD#: 282084 / SEC#: 801-122353

RIA

Registered Investment Advisory firm - (9/20/2021 Approved)

Louisiana

Registered Investment Advisory firm - (12/6/2021 Terminated)

Texas

Registered Investment Advisory firm - (12/2/2021 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

Highlighted states indicate IAR registrations

IAR

Texas
(3/3/2023)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.

Exams

State Security Law Exam

IAR

Series 66

Date: 10/13/2017

Uniform Combined State Law Examination

General Industry/Product Exam

Series 7TO

Date: 12/15/2022

General Securities Representative Examination

General Industry/Product Exam

SIE

Date: 6/11/2018

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 5/8/2017

General Securities Representative Examination

Current Firm

PENNEY FINANCIAL

PENNEY FINANCIAL | PENNEY FINANCIAL, LLC

CRD#: 282084 / SEC#: 801-122353

RIA

Registered Investment Advisory firm - (9/20/2021 Approved)

Louisiana

Registered Investment Advisory firm - (12/6/2021 Terminated)

Texas

Registered Investment Advisory firm - (12/2/2021 Terminated)

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Contact information

Main Address

825 Town And Country Lane 12th Fl, Houston, TX 77024-4563

Mailing Address

Phone number

(713) 300-5165

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (2 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

PENNEY FINANCIAL FORM ADV PART 2 BROCHURE (10/13/2025)

Regulatory assets under management

Total Number of Accounts	397
AUM (Assets Under Management)	$ 236,084,603

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Firm Stability Insights

Michelle Smith

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Michelle Smith's CRS (Customer Relationship Summary).

Certified licenses

Experience

KCD FINANCIAL, INC.

KCD FINANCIAL, INC.

QUESTAR ASSET MANAGEMENT, INC.

QUESTAR CAPITAL CORPORATION

Primary Firm SEC Registration

PENNEY FINANCIAL

State Registrations and Notice Filings

Exams

Series 66

Date: 10/13/2017

Series 7TO

Date: 12/15/2022

SIE

Date: 6/11/2018

Series 7

Date: 5/8/2017

Current Firm

PENNEY FINANCIAL

Contact information

SEC notice filing (2 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

PENNEY FINANCIAL

TRUST BUT VERIFY

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