The Retirement Smith LLC

Updated today

Find your advisor

Client assets under management

Clients

155

0% high-net-worth

Advisors

of 2 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

High

Average account size

About

The Retirement Smith LLC provides financial planning and consulting to individuals, high‑net‑worth clients, and business entities, and conducts public seminars and workshops on investment topics. The firm discloses that it does not hold client assets directly and does not sponsor wrap fee programs.

Advisory work centers on tailored financial plans that address cash flow, retirement strategy, tax reduction, and estate preservation, delivered on an hourly or fixed‑fee basis and typically completed within 30 days. When ongoing asset management is appropriate, the firm refers clients to third‑party managers, monitors those managers’ performance, and serves as a liaison rather than directly trading client portfolios.

Distinctive features include regular free educational seminars and workshops for the public and an ownership connection to an affiliated insurance business whose principals devote substantial time to insurance activities and may receive commissions. The firm’s model—no direct asset management, reliance on referral relationships with multiple third‑party managers, and concurrent insurance agency activities—creates disclosureable conflicts of interest that the brochure identifies and describes how they are mitigated.

Client services

Financial planning Portfolio management Selection of other advisers Educational seminars or workshops

Expertise

General retirement planning Income planning Tax strategies for small businesses Wealth management

Fee options

Fixed

Fixed fee for financial planning between $1,400 and $2,100

Percentage

$0+: 1.60% $0+: 1.00% $0 - $500,000: 1.80% $500,000 - $1,000,000: 1.45% $1,000,000+: 1.10% $0 - $1,000,000: 1.60% $1,000,001 - $3,000,000: 1.50% $3,000,001+: 1.40%

Commissions

Referral fees from third-party managers and insurance products sales commissions

Project-based

$200 per hour for financial planning services

Other

Fee-only: Hourly fee of $200 per hour; Fixed fees between $1,400 and $2,100 for financial planning

Main office location

The Retirement Smith LLC

541 William St., Suite B

Fredericksburg VA 22401, United States

Number of offices

Most active in

Virginia

Disclosures

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:

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

Form ADV Part 2: Client Brochure

Quick links

Website (540) 371-9777

Advisors at this firm

Jeffrey S

Series 65

Fredericksburg, VA

The Retirement Smith LLC

Jeffrey Smith is a financial advisor at The Retirement Smith LLC with nine years of industry experience. He holds a Series 65 designation and has previously worked at Gradient Advisors, LLC. In addition to his advisory role, he is the owner of Michah Creek Farm LLC, a land development business. The Retirement Smith LLC provides financial planning and consulting services to individuals, high-net-worth clients, and business entities, focusing on tailored plans related to cash flow, retirement, tax reduction, and estate preservation. The firm does not hold client assets directly and typically refers clients to third-party managers for ongoing asset management.

General retirement planning Income planning Tax strategies for small businesses Wealth management

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 financial planning and consulting services to individuals, high-net-worth clients, and business entities, offering tailored financial plans focused on cash flow, retirement strategy, tax reduction, and estate preservation. The firm conducts public seminars and workshops on investment topics and refers clients to third-party asset managers while serving as a liaison.

General retirement planning Income planning Tax strategies for small businesses Wealth management

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.

Find your advisor

Discover

Compare top advisor firms by metric, firm size, and location.

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

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. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

Find the right match for you

Answer a few quick questions and we'll tailor results to your goals, so you can hire smarter.

Find your advisor

A smarter way to hire an advisor

Compare and choose confidently

Warmer combines best-in-class advisor data with guidance to help you clarify what you need, understand why an advisor may — or may not — fit, and move forward with confidence.

How Warmer works

Thoughtfully vetted, clearly explained

We review rigorously and transparently

Get to know your advisors' credentials, disciplinary history, specialization, client fit, and communication style. We're selective about who we recommend — and tell you why we think someone fits your situation.

Our methodology

Always free and always on your side

Free. Confidence that lasts

We help you book free consultations with your matches. You only pay an advisor if you decide to hire them. And our support doesn't end with an introduction — we're here to make sure the relationship works for you.

Our ongoing support