Our Qualifications

Our commitment as a firm is to provide independent and objective financial planning solutions, superior investment choices and alternatives, and personalized customer service. Our qualifications are as follows:


  

 

  • Over 80 years experience in the financial services industry
     
  • (2) Certified Public Accountant - CPA Designation
     
  • (1) Certified Financial Consultant - ChFC Designation

     

  •  (1) Certified Financial Planner - CFP Designations

     

  • (2) Graduates from the College of Financial Planning
     
  • Member of the Financial Planning Association
     
  • Our firm holds Series 7, 63 65 and 24 Securities Licenses
     
  • Our firm has Life, Health, and Variable Insurance Licenses
     
  • SMS Financial & Investment Management is a Registered Investment Advisor with the SEC

    Professional designations doesn't mean that we have better planners than other firms, but it does show our commitment to the industry and to learning. Our most important asset is our clients. That is why we developed our clients bill of rights.


    Our Clients' Bill of Rights


    I. A client is entitled to courteous service from a Financial Advisor and other representatives of SMS Financial & Investment Management.

    II. A client has the right to deal with a trustworthy professional who is competent in securities investing and financial planning matters.

    III. All investment and financial planning recommendations should be
    based upon the client's needs and objectives.

    IV. Each client has the right to expect that recommendations will be made consistent with the objective of enhancing his/her financial well being.

    V. Reasonable alternative investments suitable for the client's individual objectives should be presented with full disclosure of both risks and costs, as well as benefits.

    VI. A financial advisor should project reasonable and achievable results.

    VII. A client has the right to know all cost and commissions associated with an investment, as well as fees the firm charges for its service.

    VIII. Information should be communicated in an understandable fashion.

    IX. Any complaints or errors should be addressed promptly and, when necessary, corrected quickly.

    X. Information about a client's financial situation will be kept confidential.