Comprehensive Financial Advisers
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Comprehensive Financial Advisers provides personal financial planning and tailored wealth‑management planning for individuals, families, trusts, estates, family businesses, and related entities. The firm prepares written wealth management plans, offers special‑project engagements and implementation assistance, and conducts periodic reviews, but does not provide continuous discretionary portfolio management directly.
The firm’s investment approach emphasizes proactively managing downside risk and may combine relative‑return, absolute‑return, tactical strategies and alternative investments when constructing portfolios, drawing on both fundamental and technical analysis and third‑party research. Advice is delivered through a consultative process that documents client goals, coordinates with other advisors, and includes specific considerations for retirement plan rollovers under the Department of Labor’s PTE 2020‑02 when applicable.
Distinctive features include that the adviser(s) also act as registered representatives of a broker‑dealer and as licensed insurance agents, implementing recommendations through that platform and receiving commissions and other economic benefits—a relationship disclosed in the brochure and subject to firm mitigation policies. The firm charges fixed or hourly planning fees rather than percentage‑of‑AUM fees, reports no directly managed assets, and indicates a client base that does not include individual (non‑HNW) retail clients, focusing instead on families, trusts, estates and related entities.
Client services
Expertise
Occupation focus
Fee options
Commissions and/or fees for implementation services through Commonwealth Financial Network; includes asset management fees, commissions, 12b-1 fees, and insurance commissions
$350/hour for Robert O. Smith; $75/hour for staff on Special Projects
Minimum fee: $1,000 annual renewal fee after initial year Fee-only: Fixed fees: $2,500 first-year fee for Comprehensive Wealth Management; $1,500 due at signing, $1,000 upon delivery of plan; $1,000 annual renewal fee thereafter; Hourly charges: $350/hour for Robert O. Smith on Special Projects, $75/hour for staff
Main office
561 Exton Commons
Exton PA 19341-2453
Advisors at this office
1
Most active in
Delaware · New Jersey · Pennsylvania
Also doing business as
Comprehensive Financial Advisers · Robert Owen Smith Dba Comprehensive Financial Advisers
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Is not active or affiliated with:
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
Forms ADV
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