Level Four Advisory Services
35yrs
Top advisor by experience in Cypress
9yrs
Michelle Smith
Financial advisor at Penney Financial
Michelle Smith has worked in the financial industry for 9 years and is a fiduciary financial advisor based in Cypress, Texas. After a year at KCD Financial and a year at Questar Asset Management, Michelle joined Penney Financial in 2023, a firm offering financial planning and investment management. The firm is paid through a percentage of assets, hourly fees, and flat fees.
One of 100 advisors with offices in Cypress, and one of 93 fiduciaries.
At a glance
Experience9 years (since 2017)
How that compares ?9 years in the industry
OfficeCypress, TX
FirmPenney Financial
How the firm is paid ?Percent of assets, Hourly, Flat fee
Typical client at the firm ?$2.75 million
Advisors at the firm4
States licensed ?1 state
Services through Penney Financial
Financial planningInvestment management for individuals and small businesses
Specialties, designations like CFP®, and languages spoken appear here when advisors claim their profiles.
Licenses
Exams passed, from the official record. Tap a license to see what it allows.
Series 66Uniform Combined State Law Examination
Career
- 2023 – nowPenney FinancialCurrent firm
- Feb 2020 – Apr 2021KCD Financial, Inc.Previously
- Oct 2017 – Jun 2018Questar Asset Management, Inc.Previously
Contact Michelle
(713) 300-5165Firm headquarters in Houston, TX. Ask for Michelle. Cypress, TXOffice · Get directions LinkedIn pagePenney FinancialIs this you? Claim your free profile to add a direct line, email, photo, and specialties.
Questions to ask Michelle
Tailored to Michelle’s registration and firm.
- What does a financial plan with you include, and how often is it updated?
- Where would my money be held, and will I get statements directly from that firm?
- What would I pay in total each year, in dollars, including fund and trading costs?
My notes and scorecard
Sign in to keep private notes, score your first meeting, and track this advisor alongside others.
About Michelle
How do I contact Michelle?
Call Penney Financial at (713) 300-5165 and ask for Michelle Smith. Michelle works from the Cypress, TX office.
How long has Michelle been a financial advisor?
Michelle has been in the industry since 2017, about 9 years. 9 years in the industry.
What licenses does Michelle hold?
Series 66. Tap any license on this page to see what it allows.
Is Michelle a fiduciary?
Michelle is registered as an investment advisor representative, which carries a fiduciary duty when giving investment advice.
How is Michelle paid?
Penney Financial reports being paid by a percentage of the assets they manage, hourly fees, flat or fixed fees. Ask Michelle for your total yearly cost in dollars.
Official record as of October 3, 2026.
This profile is for information only and is not financial advice or a recommendation.
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