Our Services

Our

Services

M.J. Smith & Associates takes a holistic approach to serving the needs and goals of our clients. Our experience, education and credentials  qualify us to provide a comprehensive array of fee-based services.

Tax planning - strategies and techniques that help you maximize the present value of your after-tax family net worth1

 

Investment planning - strategies to create an asset mix that will help you meet your long-term objectives at an acceptable level of appropriate risk

 

Retirement planning - strategies to support wealth accumulation and eventual withdrawal during your retirement years

 

Estate planning - strategies to help you preserve wealth for distribution to loved ones, charitable organizations, educational institutions or other causes

 

Financial management - strategies and techniques to optimize your short and mid-term cash flow, assets and liabilities

 

Insurance and risk management - strategies to help you manage your financial exposure due to personal risk

 

Comprehensive financial planning - creating a plan that incorporates many or all of these strategies to help you manage your financial affairs to achieve your life goals

Because each situation is unique, we strive to understand all aspects of your financial situation. Then, we tailor our services to create a personalized plan that reflects what you want to achieve.

In our experience, financial planning can – and should – be a family affair.  We often work with clients to include their families in the financial planning process, and to educate younger generations as they prepare for estate transition. We are privileged to mentor and prepare heirs to become responsible stewards of their families’ wealth.

We offer a holistic approach that considers all aspects of your financial situation.

Who We Serve

Who We Serve

M.J. Smith & Associates works with high-net-worth individuals (with assets of $1 million or more), and high earners who are on track to achieve $1 million in assets within a few years. Our clients come from all walks of life, and represent a variety of life stages:

Business Executives

Business Owners

Young Professionals

High earners who need guidance managing their assets to help ensure future growth.

High-net-worth individuals who have more complex financial needs.

Entrepreneurs who need assistance managing their business affairs, such as 401(k) administration, as well as their personal wealth.

CPAs and Other Professionals

Women in Transition

Pre-Retirees and Retirees

Women making critical financial decisions due to inheritance, death or divorce.

Individuals who need expertise beyond their areas of specialization.

Individuals and couples transitioning from careers to retirement, and those who need help managing retirement income and investments.

Protecting Your Assets

Protecting Your Assets

For M.J. Smith & Associates and Raymond James, client security is a top priority. Raymond James offers multilayered protection for our investors through the Securities Investor Protection Corporation (SIPC), various syndicates of Lloyd’s of London (excess SIPC) and the Federal Deposit Insurance Corporation (FDIC).

 

In addition to the standard security measures you might expect from a leading independent financial services company, Raymond James offers:

  • A dedicated cyberthreat center staffed by certified information security analysts
  • Penetration and vulnerability testing of networks and servers
  • Encryption, secure virtual private networks and the latest firewall and antivirus technology
  • Email monitoring for regulatory and compliance purposes, as well as protection against phishing attempts and malware
  • Strict controls, limits and monitoring of access to facilities and systems
  • Privacy policy procedure and security awareness training for all associates and financial advisors
  • Quarterly technology reviews conducted by independent auditors
  • Redundant systems and off-site information storage, providing protection in an emergency or natural disaster
  • Coordination with industrywide organizations and law enforcement agencies devoted to sharing information about physical and cybersecurity

 

Raymond James wants clients to have the highest level of confidence in its ability to protect their assets. The company commits to reimbursing clients for actual losses in any Raymond James accounts due to unauthorized access to a Raymond James system that occurs through no fault of the client.

 

 To learn more, view our PDF, "Keeping Your Account and Personal Information Secure".

 

Est. 1983

Investor Access

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

*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.

We offer a holistic approach that considers all aspects of your financial situation.

Serving as You Prepare for Your Unique Goals and Challenges in Retirement

Serving With an Integrated Approach to Minimize Tax Liability*