Smartvestor and Dave Ramsey ELP Working with a SmartVestor Pro does not guarantee investment success, and no assurance can be made that working with a SmartVestor Pro will produce better results than working with a financial professional not affiliated with the program. Financial professionals pay a fee to be a SmartVestor Pro. Neither Dave Ramsey nor SmartVestor Pro are affiliated with or endorsed by Securities America. Josh Gilliam is the Dave Ramsey Endorsed Local Provider (ELP) for Long Term Care insurance in the Louisville, KY area. ELP’s pay a fee to be included in the ELP network.