Back to top

Overview

Services

Advisor Services

  • Financial Planning
    • -Estate Planning
    • -Comprehensive Financial Planning
    • -Retirement Planning
    • -College Planning
    • -Charitable Planning
    • -Other Financial Planning
    • -Tax Planning
  • Insurance
    • -Life Insurance
    • -Health Insurance
    • -Long-Term Care Insurance
    • -Annuities
  • Portfolio Management

  • Legal
    • -Legal Planning

Funds

Funds Used With Clients

There are no funds listed for this advisor at this time.

Firm Client types

Qualifications

Experience

No timeline events available.
Employer Years Dates
Fac Wealth Management, LLC 1 year, 11 months Mar 2008 - Feb 2010
David N. Smith & Associates, Inc. 12 years, 8 months Jul 2007 - Present
Financial Wealth Strategies, Inc. 29 years, 2 months Jan 1991 - Present

Designations & Memberships

  • Certified Financial Planner
    Designation
    Certified Financial Planner
    A standard certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.
  • Chartered Financial Consultant
    Designation
    Chartered Financial Consultant
    Invididuals holding this designation understand the fundamentals of financial planning, including income tax, insurance, investment and estate planning.
  • Chartered Life Underwriter
    Designation
    Chartered Life Underwriter
    A prestigious certification for advisors, designees are exposed to nearly 100 topics on integrated financial planning. Major topics include, but not limited to: insurance, employee benefits, securities, state and federal tax, estate tax and planning, asset protection, etc.

Articles and Answers

Insights by David Smith

There are no insights for this advisor to display at this time.

Answers

Ask a financial questionAsk a question
Should I keep my portfolio with Fidelity or move my funds to a Vanguard target fund in order to preserve principal, maximize return and lower fund advisory fees?
Peter, It sounds like you are trying to be a penny wise and a pound foolish. Focusing on fees is just one part of managing a portfolio. I do believe that you will be better off with an adviser that understands your goals, objectives, and fears than going it alone and saving the .89% annual fee. ...  (more)
Answered Mar 2013
Can you tell me a good, honest and simple book to read on investing?; it should have a sound investing startegy?
The Investment Answer is a great book for advisors to recommend, because it recommends using advisors. I happen to agree with that theory, and I like that book. With that said it is a very basic book, I gave it to my son as a freshman in college. I'd need to know what you are looking for about in...  (more)
Answered Apr 2013
Does a 401K loan make sense if we have more money than is anticipated to be needed in it?
From what you have said, I imagine you are trying to get a better interest rate on the $150,000 mortgage on the condo that you say is worth $100,000. I would suggest putting more money into an upside down asset doesn't make sense. You might consider talking with your lender or perhaps an attorney ...  (more)
Answered Mar 2013
Where to put my retirement money, at the age of retirement.
Do you know what is in the Vanguard Target Retirement Income Fund? There is a high probability that fund will experience a significant downturn at some point. Either the stock market portion will get it or rising interest rates will. That doesn't mean it is a bad fund, you just need to understand ...  (more)
Answered May 2013
Does value Matter in This Bull Market?
You are looking for an answer that can't be known without rear view mirrors. Stick to long term investing (10 years plus time horizon). Or spend your time listening to pundits that make money asking the same questions you do. ...  (more)
Answered May 2013
Northcoast Assest Management ETF investment?
Why does your advisor think so little of Northcoast that they recommend 12.5% of your portfolio. ETFs are used to provide diversification at a low cost. Can't Northcoast allocate an entire diversified portfolio using ETFs? If the idea is to hire multiple managers to compare performance you are goi...  (more)
Answered May 2014
    *Answers are submitted by advisors without compensation.

    Licenses & Conducts

    SEC
    U.S. Securities and Exchange Commission
    • license status
      Registered
    • disclosures
      None
    • as of date
      Feb 2, 2020
    FINRA
    FINRA
    • license status
      Not registered
    • disclosures
      None
    • as of date
      Mar 2, 2018
    Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:

    Assets

    David N. Smith & Associates, Inc.

    Last updated on Sept. 20, 2019
      • $109.4M
        Total Assets Under Management
      • N/A
        Total Assets Under Advisement
      • 264
        Accounts
      • $414.4K
        Estimated Average Account Balance

    Fees

    Types of Compensation Arrangements