Joel Smith & Associates, LLC

Joel Smith & Associates, LLC is a solo independent registered investment adviser that provides financial planning, investment advisory and consulting services to individuals and a range of institutional clients, including charitable organizations, foundations, endowments and municipalities. The firm offers both discretionary and non‑discretionary portfolio management and implementation options across mutual funds, annuities, ETFs, individual bonds and equities, and certain alternative or illiquid investments.

JSA structures advice around individualized financial plans that set objectives, risk tolerance and asset allocation, and uses both strategic and tactical allocation techniques with long‑ and short‑term purchase strategies and fundamental equity analysis. Accounts are reviewed periodically (quarterly or as contracted) and the firm coordinates implementation with other client advisors and custodians when appropriate.

The firm’s business model includes statutory affiliations and activities that are uncommon among its independent peers: associated persons are registered representatives of a broker‑dealer and act as independent insurance agents, which can generate commission‑based compensation and create potential conflicts of interest that the brochure discloses. JSA also uses the Altruist custodial and model‑marketplace offerings (including an optional Altruist One subscription and support program tied to platform assets) and explicitly accepts charitable and institutional clients—features that distinguish it from many single‑advisor independent firms.