Individuals and Families

Financial Services for Individuals and Families



Smith Financial Planners has concepts and strategies that can help our clients move from where they are financially to where they want to be. A Smith Financial Planners associate can work with you to create a strategy for your financial situation through




  • Financial Needs Analysis

  • Financial Goal Setting

  • Recommendations and Implementation Strategies for Pursuing Financial Goals

  • Wealth Management



Develop a Financial Plan



Most people spend more time planning their summer vacation than they do planning the investment of their money.  Smith Financial Planners specializes in helping each investor develop a financial plan to satisfy the uniqueness of each investor's life goals.



Insurance Protection



An important part of planning for your financial future is protecting it. Whether you live too long, die too soon or become disabled, these products can help you and your family protect the life that you've built. 2




  • Variable Universal Life 1

  • Universal Life Insurance

  • Whole Life Insurance

  • Term Life Insurance

  • Disability Insurance



Retirement/Supplemental Retirement Programs



As retirement planning is a vital part of any financial strategy, Smith Financial Planners associates offer a variety of services to help clients prepare for their life after work.




  • IRAs

  • 401(k)/Retirement Plan Rollovers

  • Mutual Funds

  • Variable Annuities1

  • Fixed Annuities



College Funding Plans



Whether preparing to send your first or your fifth child to college, a Smith Financial Planners associate can help you start saving now.




  • 529 College Savings Plans1*



*  For a prospectus, contact your financial advisor.



Estate Transfer Concepts and Solutions



Years of savings can be unnecessarily damaged without proper estate planning.2 Smith Financial Planners associates offer solutions to help our clients during life and after death, including the following:




  • Charitable Strategies

  • Charitable Remainder Trusts

  • Wealth Replacement Trusts

  • Irrevocable Life Insurance Trusts

  • Estate Tax Calculation Programs

  • Wealth Transfer Strategies



2 Tax and/or legal advice are not offered by Smith Financial Planners or their affiliated companies. Please consult with your personal tax professional for additional guidance regarding tax-related matters.