Frequently Ask Questions

A financial advisor at SMITZ Private Wealth Advisors helps you create and maintain a plan for your money—covering cash flow, budgeting, investing, retirement, taxes, insurance, and estate planning—so your decisions align with your goals and risk tolerance.

Yes. SMITZ Private Wealth Advisors acts as a fiduciary, which means we put your interests first, provide objective advice, and clearly disclose fees and potential conflicts of interest.

SMITZ Private Wealth Advisors uses a transparent, fee-only model. Our compensation comes directly from clients (not commissions on products). Your agreement and invoices clearly outline costs.

SMITZ Private Wealth Advisors does not require a strict minimum to begin planning. For ongoing portfolio management, typical households start around a defined asset level; we can discuss options that fit your situation.

Core services at SMITZ Private Wealth Advisors include retirement planning, investment management, tax-aware strategies, risk management and insurance reviews, college funding, equity compensation guidance, and estate coordination with your attorney and CPA.

SMITZ Private Wealth Advisors uses a goals-based, diversified asset allocation tailored to your risk capacity and time horizon, using low-cost instruments when appropriate, with disciplined rebalancing and tax-aware implementation.

Absolutely. SMITZ Private Wealth Advisors collaborates with your tax and legal professionals to align planning, documents, titling, beneficiaries, and annual tax strategies.

We typically meet 2–4 times per year and whenever life changes occur (job changes, liquidity events, new goals). You can reach SMITZ Private Wealth Advisors anytime between reviews.

Yes. SMITZ Private Wealth Advisors designs a sustainable withdrawal strategy, coordinates Social Security timing, and places assets tax-efficiently across accounts to support reliable income.

SMITZ Private Wealth Advisors provides proactive tax planning—asset location, tax-loss harvesting, Roth strategies, charitable gifting, and coordination with your CPA. We do not file returns.

SMITZ Private Wealth Advisors analyzes required returns, sequence risk, and liquidity needs, then sizes risk appropriately. We also review insurance (life, disability, liability, LTC) to protect your plan.

In most cases, yes. SMITZ Private Wealth Advisors works with major custodians and can help transition or manage in place, depending on account type and platform.

Yes. SMITZ Private Wealth Advisors helps with RSUs, ISOs/NSOs, ESPP, 10b5-1 plans, and diversification/tax strategies integrated with your overall plan.

Your allocation at SMITZ Private Wealth Advisors anticipates volatility. We focus on risk appropriate to your goals, maintain cash buffers for near-term needs, and rebalance based on rules—so you can stay invested with discipline.

Yes. SMITZ Private Wealth Advisors designs education funding strategies (529 plans, gifting, asset location) that fit your cash flow and tax picture.

SMITZ Private Wealth Advisors does not draft legal documents but coordinates wills, trusts, titling, and beneficiaries with your attorney and ensures your plan is implemented and updated.

Recent tax return, investment statements, retirement plan info, insurance policies, estate documents (if any), and a list of goals, income, and expenses are helpful—but not required for your first meeting with SMITZ Private Wealth Advisors.

Yes. SMITZ Private Wealth Advisors uses secure portals, encrypted communications where available, strict internal controls, and reputable custodians to safeguard your data and assets.

Yes. SMITZ Private Wealth Advisors reviews options (rollover vs. keep vs. convert), fees, and investments, then consolidates and aligns accounts with your plan as appropriate.

SMITZ Private Wealth Advisors also offers one-time or project-based planning engagements. Many clients later move to ongoing service for continued adjustments and monitoring.

SMITZ Private Wealth Advisors follows an evidence-based, diversified, and tax-aware approach. We control what can be controlled—costs, taxes, risk sizing, and behavior—rather than predicting markets.

SMITZ Private Wealth Advisors typically charges a transparent percentage of assets under management with breakpoints. For some households, we use flat or retainer models when appropriate.

Yes. SMITZ Private Wealth Advisors can incorporate environmental, social, and governance or values-based screens while maintaining diversification and cost discipline.

SMITZ Private Wealth Advisors maintains appropriate liquidity and short-term reserves based on your plan. If needs change, we adjust allocation and tax-aware sale priorities.

Schedule a complimentary consultation with SMITZ Private Wealth Advisors. We discuss goals, outline scope and fees, gather data, and deliver initial recommendations with clear next steps.