Ryan Smith Financial Services

Ryan Smith Financial Services provides ongoing portfolio management primarily to individual and high‑net‑worth clients, preparing a written Investment Policy Statement for each account and offering both discretionary and non‑discretionary management. The firm states it acts as a fiduciary when advising on retirement plan accounts and individual retirement accounts.

The firm’s investment process blends quantitative, fundamental and technical methods—including charting, cyclical analysis and modern portfolio theory—and employs both long‑ and short‑term trading across mutual funds, equities, fixed income, ETFs, TIPS and non‑U.S. securities. The brochure also discloses use of less common instruments for a firm this size, such as interval funds and structured notes, and notes that fees are charged on an asset‑based basis with custody through a digital custodian platform.

What distinguishes the firm from many peers is that a supervised person maintains separate insurance and mortgage‑origination licenses, which the firm discloses may create conflicts when insurance or lending products are recommended and which it says it manages through disclosure and periodic review. The firm also describes an institutional relationship with its custodian that provides technology and support services tied to asset thresholds and requires clients to use that custodian, and it does not aggregate trades across client accounts.