Hi, I'm Gretchen Smoot.

I founded Smooth Foundations Financial in Lindon, Utah, to give small businesses and families the kind of financial clarity that usually only larger companies can afford.

I spent seven years as a CFO, so I know how much clean books and a clear cash plan matter when a business has decisions to make. I hold a master's degree in Applied Economics from Utah State University.

I'm also a Dave Ramsey Certified Financial Coach. For households, that means a practical, step-by-step approach: a written budget every month, a clear plan to pay off debt, and savings set aside for what's coming.

I meet with clients in person, virtually, or a mix of both, whatever fits your needs.