The Retirement Smith LLC

The Retirement Smith LLC is a small advisory firm that manages approximately $18.2 million in discretionary assets through co-advisory and third‑party manager arrangements, and offers financial planning and consulting services alongside educational seminars and workshops. The firm documents client goals and recommends model portfolios or third‑party managers (TPMs), then assists with onboarding and ongoing monitoring rather than sponsoring direct in‑house asset management.

TRS’s role is primarily advisory and referral‑oriented: after gathering client information it helps select appropriate TPMs and model strategies based on investment objectives and risk tolerance, and retains discretion to choose or change models while TPMs execute trades. Investment analysis described in the brochure includes both fundamental and technical methods, and financial planning work regularly addresses retirement strategy, cash flow, tax considerations, risk management and estate preservation.

Distinctive aspects of the firm include its regular public seminars and workshops (stated as educational and offered at no charge) and an affiliated insurance business operated by the firm’s principal, which the brochure discloses consumes significant time and results in separate insurance compensation. The firm also discloses fee‑sharing and incentive arrangements with certain TPMs and co‑advisors and notes a recent update removing direct asset management services, underscoring its reliance on third‑party managers.