Taking the first step towards empowering yourself with a strong financial plan may seem overwhelming. We understand that and have designed a clear and well-defined process focused on answering your questions and helping guide you in reaching your goals.
Our process is straightforward —we listen. We take the time to truly get to know our clients, so we can better appreciate your needs. Through this discovery process, we are able to analyze and compile personalized financial solutions tailored to your unique set of circumstances. Our discovery process helps us get to know you and your financial goals.
Having no financial plan is like skydiving without a parachute. Through goal-oriented planning, we develop strategies that promote purpose and clarity. One of the most powerful steps in the process of building a sturdy financial foundation is to discover where you are now and decide where you want to be. This information acts as a blueprint for your customized financial plan.
Our goal is to empower our clients to make sound financial decisions. We arm you with information, strategies and tools that put you in the driver’s seat when it comes to what is important to you. We pride ourselves on developing partnerships with clients. This means providing trusted financial counsel, all while working at a pace that you’re comfortable with.
You never have to question the integrity of our financial recommendations. Our services are delivered through a fee-only structure where we apply an annual fee based on account value. Costs are discussed upfront and our clients can track them at any time. As fiduciaries we don’t benefit from “pushing” specific products – and in fact despise the premise entirely. For us, this transparent approach is not only refreshing, but builds trust for long-term relationships with all of our clients.
We have you covered. Our comprehensive financial planning approach helps individual investors, businesses and non-profit organizations create financial plans that are easy to understand and can be acted upon.
Wealth Management Services
We believe in evidence-based investing and diversification backed by academic research. Through an appropriate blend of asset classes we help you develop an investment strategy that manages both risks and returns. We are well versed in portfolio management and maintain strict fiduciary standards.
Trust and Estate
Once your estate plan is complete we will work with you or your attorney to develop a comprehensive investment strategy to manage trust assets. Smith Bruer Advisors works with Advisors Private Wealth Trust, a corporate trustee exclusively available to registered investment advisors.
We have a proactive approach and a range of strategies intended to help you be tax efficient and well positioned for policy changes.
Credit and Banking Advisory
As a part of a comprehensive financial plan, we advise you on personal and business credit and banking options that are offered through various banking institutions.
Let us guide you to insurance coverage that makes sense for you and your family. We offer consultation on life, long-term care and disability insurance solutions as part of your financial plan.
Retirement Plan Services
As fiduciaries, we work with plan sponsors to ensure that their retirement plan is compliant, cost effective and that employees have access to retirement readiness tools. This includes 401k’s, SEP IRA’s, profit sharing plans, defined benefit and defined contribution plans.
Smith Bruer Advisors is a 3(38) investment co-fiduciary to retirement plan sponsors. In this role, we select and monitor investment options, mitigating overall risk and liability. We implement this service through our philosophy of focusing on cost, diversification, and evidence-based investing.
We provide services for institutions and nonprofit organizations such as investment management, performance reviews, investment committee oversight, investment policy statement guidance, and fiduciary services.