Smith Financial LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Smith Financial LLC is a state‑registered investment adviser that provides financial planning and occasional educational seminars to individuals, families, and small businesses. The firm’s services are limited to planning and instruction; it does not manage or hold client assets.
The firm relies on financial analysis — including cash‑flow modeling, retirement projections, risk‑tolerance assessment, education planning, and insurance‑needs analysis — to produce recommendations that clients implement through their chosen broker‑dealer or custodian. The brochure notes the firm may recommend a custodian based on cost and platform features but does not execute trades, maintain custody, or accept discretionary authority.
Distinctive features include a planning‑only model that forgoes portfolio management and percentage‑of‑assets fees, and the occasional offering of free seminars, both of which are less common among independent advisers. The adviser also highlights lengthy prior experience in federal budgeting alongside recent financial‑planning work and reports no outside industry affiliations or material conflicts, consistent with a narrowly focused, newly established practice.
Client services
Expertise
Fee options
Flat fee of $150 per engagement for financial planning services.
$25 per hour for financial planning services exceeding six hours.
Fee-only: Flat fee of $150 per engagement for financial planning, plus additional hourly fees of $25/hour if financial planning needs exceed six hours.
Main office
4524 SE 33rd Pl
Ocala FL 34480
Advisors at this office
1
Most active in
Florida
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not 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.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")