Education Planning:

Education planning is becoming increasingly important as tuition increases continue to outpace inflation and the myriad of government education programs becomes more complex. Like retirement planning, the earlier you start with education planning the easier it is! The process begins with a discussion of what your idea of funding for education is: public or private school, college only or elementary/secondary/college? Do you wish to provide all of the funding or merely part of it? Do you wish to use student loans for the balance? As is the case with retirement planning, once the plan has been formulated we will work with you to monitor your progress against goals and make corrections as needed.

Corporate Finance

Smith Financial Advisors can operate as a "Chief Financial Officer" for hire for small business owners in addition to providing traditional planning/investment management services. We can advise on many of the difficult financial decisions that face a small business owner such as:

  • Should I lease or buy?
  • What type of bank loan should I get? Are the terms and conditions reasonable?
  • Is my capital structure appropriate given my firm's needs?
  • What type of employee benefit plans should I consider?
  • Should I sell this asset or business unit?
  • Should I consider a private placement or other longer-term debt instrument?

We have over 3 decades' experience in addressing issues such as the above, both from the standpoint of a lender and as a corporate user of capital. Since we don't sell any products, our advice will always be totally unbiased and independent. We have a vast network of contacts in the financial community that can bring product resources to bear when appropriate.