SMS Financial

We are a financial planning and investment management firm, located in Monterey, California. We are experienced, competent professionals who are dedicated to providing individuals and small business with the highest level of expert services. 

We believe that wealth creation and management for individuals and families is best achieved by financial planning throughout the life cycle. This means that we discuss cash flow, financial statements, asset utilization, all investments, including non-managed assets, insurance, taxes, retirement and estate planning with all of our clients. We seek to be our client’s independent and trusted counselors for all of life’s financial decisions.

For small businesses, we can help establish and direct a pension plan. Whether the owner is the sole employee, or there are multiple employees in different tiers of compensation, we can help you find the best solution for your compensation goals. We can provide advisor services for self-directed plans so that your employees are able to make informed decisions about the direction of their wealth.

We view investment management as a customized process with an aim for the client’s goals. We believe that too many investment managers only have a view towards “outperforming the market,” without regard for whether or not that outperformance meets the needs of the client. While we can never guarantee the outcome of investing, we can work with the client to find the investment setup with the best chance of achieving the client’s goals.


SMS Financial LLC
2801 Monterey-Salinas Highway, Suite K
Monterey, CA  93940

Phone: (831) 622-8800  Toll free: (800) 248-8863
Fax: (831) 655-3660  call for toll free fax number




The SMS Financial LLC site has been designed for informational purposes only. We reserve the right to make modifications at any time, without notice. No information contained on the site constitutes investment advice. Your use of this information does not constitute a client relationship. Past performance does not guarantee future results.

The information provided is in no way intended as an offering or a solicitation of a security which may be referenced in the site. It is not intended for distribution to, or use by, any person in any jurisdiction where such use would be contrary to law or regulation, or which would subject SMS Financial LLC to any registration requirement with such jurisdiction. SMS Financial LLC is not offering services in states were we are not properly registered. Please call for the most current information on such registration.

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