The Retirement Smith LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
The Retirement Smith LLC provides discretionary investment management, financial planning and consulting, and public educational seminars and workshops for individuals and business entities. Like many peers, the firm charges percentage-of-assets-under-management fees for portfolio management and also offers hourly or fixed-fee financial plans.
TRS typically manages accounts on a discretionary basis, tailoring asset allocation and security selection to each client’s objectives and using fundamental and technical analysis; it may engage sub‑advisers or a co‑advisor and implement model-based strategies on clients’ behalf. The firm documents client goals, conducts quarterly account reviews that include rebalancing and tax‑loss harvesting where appropriate, and aims to deliver financial plans within about 30 days once materials are provided.
Several features in TRS’s brochure distinguish it from many peers: the firm regularly holds free, educational seminars and workshops for the public, and the firm’s principal also operates an affiliated insurance agency — spending significant time on that business and receiving customary insurance compensation, a disclosed conflict of interest. TRS also describes fee‑sharing and incentive arrangements with a co‑advisor, notes potential receipt of custodian research or “soft dollar” benefits, and states that it does not vote client proxies.
Client services
Expertise
Fee options
Financial planning flat fees range between $1,400 and $2,100
$0+: 1.75% annually $0+: 1.60% annually $0+: 1.50% annually $0+: 1.00% annually
Investment Adviser Representatives may receive commissions from sales of investment-related products such as insurance; no performance-based fees.
$200 per hour for financial planning services
Main office
541 William St., Suite B
Fredericksburg VA 22401
Advisors at this office
2
Most active in
Virginia
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.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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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.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Jeffrey S
Series 65
Fredericksburg, VA
The Retirement Smith LLC
Jeffrey Smith is a Series 65 licensed advisor with nine years of industry experience. He is a principal at The Retirement Smith LLC and previously worked at Gradient Advisors, LLC. Outside of his advisory work, he owns and manages Michah Creek Farm LLC, a land development business. The Retirement Smith LLC provides discretionary investment management, financial planning, and consulting services to individuals and business entities. The firm offers tailored asset allocation and security selection, conducts regular account reviews, and holds public educational seminars and workshops.
Christopher K
Series 63, Series 65
Fredericksburg, VA
The Retirement Smith LLC
Christopher Keeney is a financial advisor at The Retirement Smith LLC with seven years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Wyatt Investment Research, Boynton Beach Realty, and Saybrus Equity Services. The Retirement Smith LLC provides discretionary investment management, financial planning, and consulting services, along with public educational seminars and workshops for individuals and business entities. The firm manages accounts on a discretionary basis using fundamental and technical analysis and offers tailored asset allocation, regular account reviews, and financial plans delivered within about 30 days of receiving client materials.
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