The Retirement Smith LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$0
Total clients
155
0% high-net worth
Total advisors
2
of 2 employees
Firm size
Supported
1-3 advisors or $200M+ in AUM
Average clients per advisor
78
Average account size
$0
About
The Retirement Smith LLC provides financial planning and consulting to individuals, high‑net‑worth clients, and business entities, and conducts public seminars and workshops on investment topics. The firm discloses that it does not hold client assets directly and does not sponsor wrap fee programs.
Advisory work centers on tailored financial plans that address cash flow, retirement strategy, tax reduction, and estate preservation, delivered on an hourly or fixed‑fee basis and typically completed within 30 days. When ongoing asset management is appropriate, the firm refers clients to third‑party managers, monitors those managers’ performance, and serves as a liaison rather than directly trading client portfolios.
Distinctive features include regular free educational seminars and workshops for the public and an ownership connection to an affiliated insurance business whose principals devote substantial time to insurance activities and may receive commissions. The firm’s model—no direct asset management, reliance on referral relationships with multiple third‑party managers, and concurrent insurance agency activities—creates disclosureable conflicts of interest that the brochure identifies and describes how they are mitigated.
Client services
Expertise
Fee options
Fixed fee for financial planning between $1,400 and $2,100
$0+: 1.60% $0+: 1.00% $0 - $500,000: 1.80% $500,000 - $1,000,000: 1.45% $1,000,000+: 1.10% $0 - $1,000,000: 1.60% $1,000,001 - $3,000,000: 1.50% $3,000,001+: 1.40%
Referral fees from third-party managers and insurance products sales commissions
$200 per hour for financial planning services
Fee-only: Hourly fee of $200 per hour; Fixed fees between $1,400 and $2,100 for financial planning
Main office location
The Retirement Smith LLC
541 William St., Suite B
Fredericksburg VA 22401, United States
Number of offices
1
Most active in
Virginia
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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