SMS Financial

Free Financial Planning Consultation


We offer an initial consultation without charge or obligation. Usually this last 30-45 minutes. After you call our office we will ask a few questions and then suggest the best advisor for your situation. Your appointment can be in person or by phone, usually scheduled within a week.

We are open Monday through Friday, 9:00 AM through 5:00 PM, Pacific. We are closed on all NYSE holidays. Saturday appointments are available at mutual convenience.

The purpose of this initial consultation is to discuss your situation and to determine if you and SMS Financial are a good fit. You want to feel that we are the right people for your confidential discussions and we want to find out if your situation is one that we can help.  We offer financial planning on an hourly basis or for a flat fee.

We ask that you bring records for the most recent year regarding taxes, investments, bank accounts, and potential unique circumstances, such as special needs situations.  We will ask you questions about your age, current income, hobbies, goals, philosophy on money, your assets and liabilities and any unique situation or circumstances.

Later, in the engagement, we will ask for the following records:

Bank Statements
Pay Stubs
Check Registers
Credit Card Balances
Mortgage or Loan Payment Books
List of Assets
List of Liabilities
Completed Expense Worksheet
Wills, Trusts, Healthcare Powers of Attorney, Health Care Proxy or Other Powers of Attorney
Business Agreements
Titles for Homes, Cars, Real Estate, etc.
Retirement Account Statements
Social Security Statements
Pension Benefit Statement and Booklet
Investment Statements
Listing of Available Investment Options in Investment and Retirement Accounts
Stock Options
Homeowner and Automobile Declaration Pages
Life, Disability or Long-term Care Insurance Polices
Business Liability, Director and Officer Insurance Policies
Tax Return
Tax Estimate for Next Return (e.g., Deductions, Credits, etc.)
List of Employee Benefits


Wouldn’t you like to have a trusted advisor to oversee your financial affairs, offer independent, non-biased advice, and to offer a second opinion as to the wisdom of your actions? Give us a call today at 831-622-8800.


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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Unless specifically authorized in writing, any and all information on this site may not be reproduced, transmitted, displayed, distributed, published or otherwise used.

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Use of any information obtained from such addresses is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness. Reference therein to any specific commercial product, process, or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation, or favoring by SMS Financial LLC.