Comprehensive Investment Management | Smith Bruer Advisors

Comprehensive Investment Management

The Smith Bruer Advisors investment management approach is led by a comprehensive financial planning process. You receive a custom financial plan that is easy to understand and implement. It’s your money and we believe that it’s our responsibility to provide you with a sense of empowerment, purpose and clarity.

As fee-only, fiduciary financial advisors we put your interests first, at all times. Smith Bruer Advisors takes our fiduciary responsibility seriously to help you plan in an environment that aims to avoid conflicts of interest so that you are empowered to make decisions.

Evidence-Based Investing

Smith Bruer Advisors puts into practice financial science, rigorous academic research and evidence when we design investment portfolios.

What exactly is evidence-based investing?

  • It is impossible to consistently “beat the market” through market timing or stock picking.
  • Academic research has proven that financial markets are efficient because asset prices reflect all available information.
  • Properly diversified portfolios work to minimize risks and maximize returns while maintaining broad global exposure across a variety of financial markets and industries.
  • Keeping costs low helps minimize your expenses and maximize your returns. To achieve this we use low-cost mutual funds and exchange traded funds (ETFs).
  • It’s important to stay the course. At Smith Bruer Advisors we work with you to understand your unique risk tolerance so that you can confidently stay invested in a variety of market conditions.
 
 

Wealth Management

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Financial Planning

We lead each client through an in-depth discovery process where we seek to understand what is most important in your life and your future. After all, money exists to help you achieve your personal objectives. Through this process our advisors work with you to understand how your assets are structured, your risk tolerance and what you want to accomplish.

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Investment Management

Smith Bruer Advisors believes that financial markets are efficient. Our investment management strategy focuses on global diversification while using low-cost investments. Portfolios are designed by incorporating rigorous academic research and financial science while focusing on your specific needs and risk tolerance.

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Tax Management

Tax policy and rules are constantly changing. We will work with you and your tax advisor at every step of our financial planning process to identify tax-efficient investment strategies that aim to minimize your tax burden.

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Trust and Estate Planning

Planning for your and your family’s legacy is essential to protecting and preserving your wealth. Our financial advisors are experienced in working with attorneys and trust consultants to help you establish and manage trust and estate assets. We proactively identify and address estate planning needs during our comprehensive financial planning process.

Retirement Plan Services

As a fee-only, fiduciary, registered investment adviser (RIA) we offer an independent approach to evaluating retirement plans. We don’t have proprietary products or solutions. Instead, we have the benefit of working with a variety of industry leaders from mutual fund companies to recordkeepers and third party administrators (TPAs).

Our experienced team works with you to evaluate the following areas of your retirement plan:

  • Plan Design
    Match your retirement plan objectives to the employer’s and employees’ financial goals.
  • Fiduciary Review
    Identify your fiduciary duties and risks as an employer and plan sponsor. We will work with you to implement services and strategies to mitigate your risks.
  • Plan Costs
    Analyze retirement plan fees and determine where you can benefit from transparency and cost competition.

As an independent RIA, Smith Bruer Advisors provides the following retirement plan services to 401k and 403b plans:

  • 3(21) Investment Advisor 
    We work with you to evaluate and recommend an investment lineup for your plan while you maintain discretion and control of your plan’s investments.
  • 3(38) Investment Manager
    If you want to minimize your investment-related fiduciary obligations you can delegate those responsibilities to Smith Bruer Advisors. As a 3(38) Investment Manager and named fiduciary, we assume discretion, authority and control to manage the plan investment lineup.
  • Participant Education
    Our financial advisors work with your plan’s participants to help them understand their retirement plan benefits and investment options.

Institutional Asset Management Services

At Smith Bruer Advisors we apply a comprehensive institutional asset management consulting process to help you and your leadership team determine your fiduciary responsibilities and investment objectives. Our experienced team will walk you through the following areas:

Fiduciary Review

We will work with you to evaluate your fiduciary responsibilities and help you implement services and strategies to mitigate your risks.

Investment Policy Statement Implementation and Review

Having a stated set of investment goals helps ensure that you, your leadership team and investment manager are “on the same page.” We help you create and implement a comprehensive and easy-to-understand investment policy statement.

Investment Selection and Fees

Smith Bruer Advisors will work with you to design a portfolio based on an evidence-based investing approach. This approach incorporates rigorous academic research into globally diversified portfolios that seek to minimize risk and maximize returns. We use low-cost mutual funds and exchange traded funds (ETFs) in order to effectively achieve diversification and minimize expenses.