Our Services

At SMS Financial & Investment Management our focus is on providing solutions to a broad selection of financial needs. Two of the main areas we focus on are investment management and financial planning.


Investment Management

Our investment management programs follow one of two approaches: the traditional commission approach or the fee-based approach. You get to choose the approach that best fits your particular situation.

The fee-based approach allows you to build your portfolio with a variety of investments. You can choose from load and no-load mutual funds, stocks, bonds and more - and you will enjoy the simplicity and convenience of having all of your investments in one account. We will work with you as a team, helping you select and monitor your investments. We will also keep you informed of your progress through quarterly personal consultations and performance reports. As the markets, economy or your goals change, we will work with you to make sure that your investments continue to meet your needs.

Because our compensation increases and decreases as the assets in your account increase and decrease, you can rest assured that our recommendations to you are based on your best interest - not our desire to earn a commission. We both benefit from building your wealth.

Not everyone's situation is the same: for this reason we offer the traditional commission approach to help you meet your goals or objectives. We give you the choice.
 

 Financial Planning

We are committed to helping you reach your financial goals and objectives. This is often accomplished by developing a written financial plan. A financial plan will address the following critical stages of your financial life:

Current Situation: We begin the financial planning process by helping you assess where you are right now. This will help you track your progress toward your specific goals.

Risk Management: In this stage, we will make sure you are cost effectively protecting those assets you cannot afford to lose, such as your home, auto, life, and your ability to earn an income. We will show you exactly how much coverage you will need in each of those areas. Our goal is to minimize your cost and protect your family.

Investment & College Planning: In this stage, we look at your specific goals, the time frame, and how much risk you feel comfortable with, to help you find investments to fit your personal needs.

Tax Planning: Is your income tax liability acceptable? In tax planning, we will work with you to develop and implement proven tax reduction strategies.

Retirement Planning: Is what you are doing right now going to be enough for you to retire the way you would like? Have you considered the cost of rising prices over time? How much do I need to save? Am I going to run out of money before I die? All of these are valid concerns. This section will help you answer these questions.

Estate Planning: This offers many opportunities for fine-tuning your financial plan. Excessive estate taxation and costly probate fees can often be avoided with proper planning.
 


For your convenience, we offer securities through the Broker/Dealer, Financial Services International Corp. (fsic),  Member FINRA, SIPC.   We also offer clearing/custodian arrangements with Raymond James & Associates.


 

 

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