Ryan Smith Financial Services

The firm provides ongoing portfolio management and investment advisory services to individual and high‑net‑worth clients, including advice for retirement accounts and the preparation of an Investment Policy Statement tailored to each client. It advises on a range of securities and product types — mutual funds, ETFs, equities, fixed income, annuities and other insurance products — and offers both discretionary and non‑discretionary management.

The firm’s investment process draws on multiple methods of analysis (charting, cyclical, fundamental, modern portfolio theory, quantitative and technical analysis) and implements both long‑term and short‑term trading strategies; the brochure also discloses the use of interval funds as part of its toolkit. It uses a custodial and model platform relationship through a digital provider’s model marketplace and may incorporate third‑party model portfolios in portfolio construction.

Noteworthy distinctions include that a firm representative is also a licensed insurance agent and a mortgage loan originator, activities the brochure says may result in commissions or other compensation and are managed through disclosure and supervisory policies. The firm maintains an institutional relationship with its custodian/clearing partners (including support services and platform benefits tied to asset thresholds) and requires use of specified custodians, arrangements the brochure identifies as potential conflicts of interest that the firm seeks to address through disclosure and internal controls.