Services: Individuals

• Do I have enough money to last through retirement?
  
  
• What options do I have for putting my children and grandchildren through college? 
  
  
• How can I leave a legacy for those who come after me? 
  
  
• How do I minimize risk in my investment portfolio while maximizing returns?

At Smith & Associates, we work with you to examine your current financial landscape and create future financial goals. Together we map out a plan to get you where you want to go, so you can be confident you’re on the right track.

Once we decide our firm is a good fit for you, we walk you through this 3 step process:

We start by getting to know everything about you: your dreams, your values, your aspirations, even your family. We want to fully understand you and everything that matters most to you. That's the only way we can develop a financial plan that enables you to work toward your goals and pursue financial independence.

Once your financial plan is exactly how you want it, we deploy your wealth management strategy (which is based on the 3 Bucket Philosophy). These three buckets work in unison to ensure you’re producing multi-generational wealth:

• Bucket 1: Short-Term 

Think of Bucket 1 as your liquidity bucket. We build an emergency fund to ensure you have enough money to cover your essentials along with any sudden expenses that may come your way. 

• Bucket 2: Intermediate-Term 

Bucket 2 feeds into Bucket 1. With this bucket, we continue to generate income that can be used to cover emergencies and reach your financial goals. 

• Bucket 3: Long-Term 

Bucket 3 is all about your long-term investment strategy. We use this bucket to build your legacy and hedge against inflation.

Your life is unique, and we believe your wealth management strategy should be too. Through our partnership with LPL Financial, the largest broker-dealer in the nation. As reported by Financial Planning magazine, June 1996-2019, based on total revenue, we have access to a vast selection of financial strategies. We work diligently to find the perfect investment strategies for you and your family.

Whenever you need us, we're here for you. Whether you have questions about Social Security, investing, or even a big purchase you want to make, we offer support and guidance every step of the way. And if your financial plan ever gets off course, we’re here to help you weigh your options and make adjustments. (Think of us as your financial accountability partner.)

Whether you need help forecasting financial goals, managing your portfolio, or understanding your employee benefits, we’re here to simplify your financial landscape through world-class fiduciary support.