Ryan Smith Financial Services

Ryan Smith Financial Services provides investment advisory services to individuals and high‑net‑worth individuals, delivering discretionary and non‑discretionary portfolio management and an Investment Policy Statement that documents each client’s goals, time horizon, and risk tolerance. The firm advises on a range of holdings including mutual funds, ETFs, equities, fixed income, annuities and other insurance products, and discloses the use of interval funds and structured notes in its strategies.

The firm employs a mix of analytical approaches — including fundamental, technical, quantitative, charting, cyclical analysis and modern portfolio theory — and implements both long‑term and short‑term trading depending on client objectives. RSFS manages client accounts through an institutional relationship with Altruist Financial LLC (including access to the Altruist Model Marketplace) and executes custody and clearing with specified custodians such as Altruist and Apex Clearing.

A firm representative is also a licensed insurance agent and a mortgage loan originator, and the brochure discloses that insurance and annuity recommendations may create conflicts of interest that the firm addresses through disclosure and periodic review. The combination of selling insurance products, the recent addition of less‑liquid and more complex instruments (interval funds and structured notes), a required custodian arrangement, and a policy of not aggregating trades for multiple clients distinguishes RSFS’s product mix and operational practices from many independent peers.