Smith Moore provides financial guidance for every stage of life: Accumulation, Distribution, and Legacy.

 

Your Smith Moore financial advisor will assist you in finding and maintaining the right balance between risk and reward across your investment portfolio holdings throughout various stages of your life as well as ensure you have the appropriate amount of liquidity to meet your needs.

 

Click here to download the LifePhase180º chart.

 

Services

LifePhase180°

After conducting a detailed personal analysis to get a clear understanding of your current financial situation, your Smith Moore financial advisor works with you to create a customized, fully integrated plan based on your needs during all phases of your life. We call this strategy LifePhase180°.

We help craft a detailed plan according to your position within one of three LifePhase180° phases:

  • Accumulation
  • Distribution
  • Legacy

Your Smith Moore advisor will ­­also help you consider and implement strategies to address specific risks for your overall investment plan as well as factor in your short- and long-term liquidity requirements.

Contact a Smith Moore Financial Advisor

Financial Planning

Smith Moore specializes in needs-based wealth management. We help clients pursue their investment goals with sound financial strategies designed to achieve them.

Our financial planning process addresses various aspects of your personal finances including:

  • Retirement planning
  • Cash flow management
  • Education planning
  • Risk management
  • Tax strategies
  • Estate planning
  • Business solutions

To learn more about how we can help you with your financial planning needs, contact a Smith Moore Financial Advisor today.

Building A Portfolio

Building A Diversified Portfolio

Your Smith Moore financial advisor will help you develop a strategic asset allocation mix to construct an investment portfolio with the right combination of investments based on your risk tolerance, goals and time horizon for achieving your objectives.

We will research and recommend appropriate investments including:

  • Equities
  • Mutual funds
  • Bonds
  • IRAs
  • Annuities
  • Additional options suited to your situation.

Your Advisor will also help you review your asset allocation on an ongoing basis to ensure you are maintaining the right balance between risk and reward as your investments expand and contract with the market.

To find out more about how we can help you develop a properly diversified portfolio designed to help you reach your investment goals, contact a Smith Moore Financial Advisor.

 

Retirement Planning Services

Retirement Planning Services

Our retirement planning services are designed to help you identify your specific retirement goals and develop a plan and strategy that seeks to achieve them. Our retirement planning process lets us help you:

  • Prioritize your retirement goals
  • Determine your income needs
  • Identify issues and opportunities
  • Recognize and manage retirement risks
  • Identify potential strategies for addressing gaps
  • Implement a retirement income strategy
  • Monitor and update your plan

Contact a Smith Moore Financial Advisor today to find out more about how we can provide you with the guidance your need to stay on track to secure your family’s financial future.

 

Education Planning

Education Planning

College costs continue to escalate, far outpacing the rate of inflation. With careful and early planning, these costs can be manageable. Using your anticipated needs as a starting point, you and your Smith Moore advisor can make cost projections based on assumptions associated with your specific situation and preferences, and potential sources of funding can be identified. From outright savings to specialized investments, like 529 Plans (tax advantaged savings plans), we can suggest the best mix of funding options to fit your needs.

Contact a Smith Moore Financial Advisor today to get started developing a strategy for your college financing plan.

 

Risk Management

Insurance Solutions

Life Insurance

There are many different types of life insurance, all share a common purpose — to protect your loved ones and business from bearing a large financial burden in the event of your premature death.

Your need for life insurance will change throughout your life, so it’s important you understand the basics and periodically review your coverage to ensure it’s still right for you.

Temporary Insurance

Term Life

Term Life is one of the simplest, most cost-effective types of life insurance. Generally, it provides the largest immediate amount of protection for the lowest cost.

With Term Life, your beneficiaries are paid the entire amount of your policy (subject to the policy’s provisions) if you die during the term, which is typically from 5 to 30 years.

Group Life

Group Life insurance is typically offered as an employee benefit. Premiums under group policies are generally lower for younger employees and higher for older workers. In addition to employers, some membership organizations such as unions and alumni clubs offer Group Life insurance plans.

Permanent Insurance

Whole Life

Whole Life insurance combines the security of lifetime insurance protection with the advantages of tax-deferred cash accumulation.

In addition to providing a death benefit, Whole Life policies also guarantee that premiums will remain level throughout the life of the policy. This allows owners to build the cost of their coverage into their long-time financial plans.

Universal Life

Universal Life insurance combines the security of lifetime insurance protection with the advantages of policy flexibility and tax-deferred cash accumulation.

The difference between Universal Life and other forms of permanent coverage is the flexibility it offers. Within certain limits, policy owners can increase or decrease their death benefit according to their changing without having to purchase a new policy. Likewise, owners can increase, decrease, or cease paying premiums all together provided the policy has sufficient cash value.

Disability Insurance

Disability can be more disastrous financially than death. If you are disabled, you lose your earning power, but you still have living expenses and often large expenses for medical care. Disability insurance helps you replace lost income. Many employers offer disability insurance coverage for employees, or you can get an individual disability insurance policy. There are two types of disability policies: short-term disability and long-term disability. Short-term disability policies have a maximum benefit of two years, while long-term disability policies have benefits that can last the rest of your life.

Long-Term Care Insurance

It’s an unpleasant but unavoidable issue — someday you, your spouse or a family member may need long-term care. The U.S. Department of Health and Human Services says that 70 percent of people over the age of 65 will require some type of long-term care at some point during their life.

Long-Term Care services are not typically covered by health insurance, disability insurance or Medicare, so long-term care insurance is an important option to consider. When you, or a loved one, are no longer perform the basic functions of daily living, long-term care coverage is designed to provide you with the money you need to receive comprehensive care in your home or a long-term care facility. It is an affordable way to preserve your freedom and dignity in your later years.

Contact a Smith Moore advisor today to learn more about developing strategies to protect your loved ones from financial risks.

Tax Planning

Tax Planning

While there are many different tax management strategies to consider, such as tax loss harvesting, charitable giving, exemptions and deductions, the ideal place to start is determining the changes that will be best for your overall portfolio.

With your overall portfolio strategy and long-term objectives in full context, there are several proven tactics you can use to seek to minimize tax liabilities. These will need to be implemented with special consideration given to the challenges posed by the new tax rules, such as phase-outs for itemized deductions and personal exemptions.

Your Smith Moore financial advisor can provide you with an independent investment perspective on various tax and estate strategies you may be considering. We also suggest talking to your tax advisor and financial advisor. To learn more about the various tax management strategies available to you, contact a Smith Moore Financial Advisor today.

Business Solutions

Business Solutions

Your Smith Moore Financial Advisor will work with you and your other professional advisors to assess your unique situation and recommend investment programs and services designed to increase corporate and personal net worth under current tax law. If you’re growing a business or selling a business, we will explain the wide scope of options and assist you in making complex investment decisions.

We offer a comprehensive range of corporate retirement plans and services to assist business owners, executives, and corporations, including:

  • Traditional, Roth, and Roth Conversion IRAs
  • SEP-IRAs
  • Pension and profit-sharing plans
  • 401(k) plans
  • Defined-benefit plans
  • Evaluating existing plans
  • Key-person and other life insurance programs
  • Funding for buy-sell insurance agreements
  • Investment advice on proceeds from sale of business

Contact a Smith Moore Financial Advisor to find out more about the wide range of business solutions we have available.

 

Legacy

Estate Planning

Smith Moore will assist in reviewing or helping you develop an estate plan to simplify the transfer of your estate to family members. Proper estate planning can use lifetime gifts and trusts to minimize or eliminate your estate tax liability. Your Smith Moore Financial Advisor will work with you and your other professional advisors, including your CPA and attorney, to develop a strategy most appropriate for your situation. By taking steps today to review your will and estate documents with your professional advisors, together, we can help you protect your heirs from substantial delays, fees and taxes.

Contact a Smith Moore Financial Advisor to get started working with us to ensure your loved ones’ financial well-being for generations to come.

Charitable Gifting

Leaving a Charitable Legacy

We want to help make philanthropy effective, tax-wise, easy and fulfilling for you. A Smith Moore Financial Advisor can work with you to create and administer charitable trusts to meet your goals to leave a charitable legacy. In each case, it is important to be aware of how different charitable giving strategies might impact your overall estate plan.

To learn more about how we can help you build upon your legacy, contact a Smith Moore Financial Advisor today.