Our Philosophy

It’s no secret that the markets fluctuate often. After all, at the root of every “buy” and “sell” order is a human being, with emotions and biases just like everybody else. But if the years of observing the ups and downs of the market have taught us anything, it’s this: It’s always better to preserve what you have, before pursuing what you want.

 

We don’t believe in timing the market. Our philosophy toward investing is one of mitigating and managing risk, not maximizing returns. We take a long-term view that focuses on achieving your financial and life goals, taking into account your financial situation, tolerance for risk and time horizon.

It’s always better to preserve what you have, before pursuing what you want.

The Value of Discipline, Perspective and Calm

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How Our Team Adds Value

We act as your voice of reason.

Clients rely on us to help them weather uncertain markets with objective, practical financial advice. Having been in business since 1983, we’ve seen a thing or two, so we’re ready to provide perspective that helps you understand the implications of a hasty investment decision. Emotional investing can derail even the most solid financial plans. It’s our role to keep you on the path to success.

We help you save on investment costs.

Who doesn’t want to save money? In our model portfolios, we use funds with low expense ratios, and we work to help our clients lower their investment costs with the vehicles we use.

We offer ways for our clients to learn from our experienced professionals.

Education is a cornerstone of our practice, and critical to enabling clients to take control of their financial lives. M.J. Smith offers regular seminars, videos and white papers to help people understand their finances and the market.

We employ a proactive tax planning strategy.1

Clients face a variety of tax issues – not only while they’re accumulating wealth, but also when it comes time to spend that wealth in retirement. We proactively manage tax-bracket “creep,” so our clients only pay what’s necessary.

We uphold a fiduciary standard of care.

As a Registered Investment Adviser with the U.S. Securities and Exchange Commission, we are obligated to uphold a fiduciary (best-interest) standard of care for our clients, but we wouldn’t have it any other way. In fact, the majority of our advisers have voluntarily achieved and maintained credentials like the CERTIFIED FINANCIAL PLANNERTM certification, or CFP® certification, the Chartered Financial Analyst, or CFA designation, the Certified Investment Management Analyst®, or CIMA® certification, and the Certified Public Accountant, or CPA designation – each of which demands adherence to a strict code of ethics and a code of professional responsibility.

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Investor Access

Est. 1983

Barron's

Top 1200 Advisors

2007-2018*

Forbes'

Top 100

Advisors

2016-2018*

Financial

Times Top 400

Advisors

2013, 2014,

2017*

Ph: 303.768.0007

CFP® | Certified Financial Planner™  |  Certified Financial Planner Board of Standards, Inc., owns the certification marks above, which it awards to individuals who successfully complete initial and ongoing certification requirements.  Investment Management Consultants Association® (IMCA®) is the owner of the certification marks "CIMA®", "CPWA®", "Certified Investment Management Analyst®" and "Certified Private Wealth Advisor®".  Use signifies that the user has successfully completed IMCA's initial and ongoing credentialing requirements for certification.

*The Forbes ranking of America's Top Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative and quantitative data, rating thousands of wealth advisors with a minimum of seven years of experience. Ranking algorithm is based on quality of practice, including: telephone and in-person interviews, client retention, industry experience, review of compliance records, firm nominations; and quantitative criteria, including: assets under management and revenue generated for their firms. Investment performance is not a criteria because client objectives and risk tolerances vary, and advisors rarely have audited performance reports. Rankings are based on the opinions of SHOOK Research, LLC which does not receive compensation from the advisors or their firms in exchange for placement on the ranking. Research Summary (as of July 2016): 11,235 Advisor nominations were received, based on thresholds. 4,000 Advisors were invited to complete the online survey. 2,500 Advisors were interviewed by telephone. 425 Advisors were interviewed in person at the Advisors' location. Final list of the top 200 Advisors was then compiled based upon the quantitative criteria. Raymond James is not affiliated with Forbes or Shook Research, LLC. This ranking is not indicative of future investment performance, is not an endorsement, and may not be representative of individual clients' experience. Neither Raymond James nor any of its Financial Advisors or RIA firms pay a fee in exchange for this award/rating.  Barron's Top 1200 Advisors - Winner's Circle, a Barron's research organization, produced the rankings based on data provided by over 4,000 individual advisors and their firms. Advisor data is confirmed via regulatory databases, cross-checks with securities firms and conversations with individual advisors. Among the factors considered for the rankings are assets under management, revenue that the advisors generate for their firms and the quality of their practices. Data points that relate to quality of practice include length of service, designations held, and services beyond investments offered including estates and trusts, and an evaluation of each advisor's regulatory record etc. Investment performance is not an explicit component because not all advisors have audited results and because performance figures often are influenced more by clients' risk tolerance than by an advisor's investment picking abilities. The ranking may not be representative of any one client's experience, is not an endorsement, and is not indicative of future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for this award/rating. Barron's is not affiliated with Raymond James.   Financial Times Top 400 - The FT 400 was developed in collaboration with Ignites Research, a subsidiary of the FT that provides specialized content on asset management. To qualify for the list, advisers had to have 10 years of experience and at least $300 million in assets under management (AUM). The FT then invited a list of just under 1,000 advisors to complete a survey used to obtain more information on the advisors’ practices. 400 qualified advisers were then scored on six attributes: AUM, AUM growth rate, compliance record, experience, industry certifications and online accessibility. AUM is the top factor, accounting for roughly 60-70 percent of the applicant's score. Additionally, to provide a diversity of advisors, the FT placed a cap on the number of advisors from any one state that's roughly correlated to the distribution of millionaires across the U.S. The ranking may not be representative of any one client's experience, is not an endorsement, and is not indicative of future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for this award/rating. The FT is not affiliated with Raymond James.

1. Raymond James does not provide any tax advice or tax services.  Links are being provided for information purposes only.  Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors.  Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and /or members.  M.J. Smith and Associates is independent of Raymond James. Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

It's always better to preserve what you have,

before pursuing what you want.

The first rule of achieving success?  Preserving it.

Our Philosophy

Our Philosophy

How Our Team Adds Value