David Smith

I’ve found that clients come to me with a series of specific challenges that they’d like help with as they approach retirement and living in retirement. These challenges center around how to best: Replace their employment income from the assets they’ve saved Minimize taxes paid now and in retirement protect against the risks of the future (i.e. inflation, market downturns, unplanned health issues, assets taken from them unjustly, longevity, etc.) How to avoid common mistakes that can be very costly over the course of their lifetime. There are dozens of important financial decisions you face that can easily feel confusing and overwhelming. This is where I can help you. I launched Gray Wealth Strategies to bring highly personal, truly objective, evidence-based advice to your key financial decisions. This is what we should expect as we make critical financial choices. Regrettably, however, a vast majority of the financial services industry does not operate under such a standard where the advice/products being recommended truly align with your best interests. In fact, you may have even experienced a few of those “advisors” yourself. I aim to change that experience for you. I operate under a “fiduciary standard”. This means that I am legally bound to provide objective advice in your best interests with zero product sales or commissions as your flat-fee only CERTIFIED FINANCIAL PLANNER™. My flat-fee only structure is unique in the industry. We offer clients two flat-fee only options: 1) a one-time retirement plan which is intended for DIY investors who want to get a second opinion and validate their decisions and 2) a full-service wealth management relationship. As part of our full-service relationship, we focus on leveraging your retirement roadmap (i.e. initial financial plan) and using it to inform, customize, and optimize your investments, taxes, and estate planning needs. Clients who are familiar with the standard asset under management (AUM) fee structure (i.e. being charged a percentage of your assets) will appreciate these flexible, flat-fee only offerings, and I personally think it’s a great way to objectively help pre-retirees and retirees. I absolutely love the work I do and I am proud of the value I bring to my client’s key financial decisions. That said, my #1 pride is my family: my wife, Jessica, and our three children (Waverly, Everton, and Zealand). We split time between the outdoor wonderland of the Pacific Northwest where we mountain bike, ski, camp, and raise our littles, and the great city of Austin, TX where family resides and Lake Austin calls for fun family time. That’s my “why”: being the best advisor I can be to my clients and living the best life possible with my family and friends. What’s your “why”? And how can I best help you live it with the resources you have? Please reach out and I look forward to getting to know you. Read Andrew's blog here: https://graywealthstrategies.com/blog/