SMS Financial

Mission Statement

SMS Financial LLC provides perceptive analysis and competitive asset management to build and manage wealth for individuals and small businesses. We are financial stewards who offer integrity and excellence in financial planning and investment portfolios. We measure our success by the success of our clients.

Core Values

Our clients are our partners. Together we have a single goal and that is to reach the clients’ financial target, and as partners, we share the responsibility for success. Therefore it is important for our clients to understand our mission statement and the values that support our company. Our mission statement focuses on our commitment to you; our values state our priorities in this commitment; and client responsibilities look at what we will need from you.

  • Stewardship: We hold the highest ethical standards of financial planning and investment management. Next to your relationships and your health, your wealth is your most important asset. We are honored by your trust in us as stewards of your wealth. We understand our fiduciary responsibility to always act in the best interest of our clients and to fully disclose any conflicts of interest we might have with your best interest. This includes a disclosure of all payments that we receive from sources which might be benefitted by our recommendations to our clients.
  • Professional Competence: We provide the highest level of professional expertise in our areas of expertise. We will not engage in an area of practice that is not a core competency. If you need help in an area that we do not offer, we will assist you in finding an advisor for this need.
  • Serious Money Management: We do not recommend any speculative investments, and we seek to minimize portfolio volatility. As responsible advisors, we know that all clients regard capital preservation as important, while tolerance of volatility differs. All investments involve risks that can result in losses even though the goal is to increase or preserve wealth. We believe you should have every opportunity to understand the risks, rewards and implications of the investment alternatives and services as well as financial planning and investment strategies offered for your consideration.
  • Team: We are generalists in financial planning, with individual specialities within the field, and enjoy working as part of a team of your other advisors. At the time of your engagement, we will ask for a letter of release in order to exchange information and ideas with your attorney, accountant, insurance agent(s), pension fund advisor, etc. If you provide this release, we assume that you want us to brainstorm solutions with advisors, including other internal team members. We will be respectful of time, and we will seek approval before engaging in such billable charges, if the client is being billed at an hourly rate.
  • Service: You are not a number to us, but a valued relationship. We will respect you and will respond to your requests promptly. Most calls received during business hours will be returned in the same day, but within one business day at the latest. Emails are checked twice a business day and responded to daily, usually within one business day. Sometimes we are out of town but our voice mail and email will direct you to an associate, who will be able to assist you with any pressing needs.
  • Client Education: We believe that no one should invest in something that they don’t understand.  Therefore you will receive written and/or oral information about all proposed financial planning strategies and investments. However, sometimes we err on the side of giving clients too much information; if you are overwhelmed by the details, then please ask us to simplify.
  • Performance: Ultimately, no matter how nice we are, you want to see the results meeting the target. Our goal in financial planning is to offer deep, perceptive insights that you would not have realized without our services. Our goal in portfolio management is to allocate your resources in such a manner that best indicates achievement of your goals.  We provide processes, where the results depend on unknowable future factors; all we can do is provide the best process for you. Remember: past performance does not indicate future results.

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.

Copyright © 2017

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Internet Links

At certain places on this SMS Financial LLC Internet site, live links to other Internet addresses can be accessed. Such external Internet addresses contain information created, published, maintained, or otherwise posted by institutions, organizations, or individuals independent of SMS Financial LLC. SMS Financial LLC does not endorse, approve, certify, or control these external Internet addresses and does not guarantee or assume responsibility for the accuracy, completeness, efficacy, timeliness, or correct sequencing of information located at such addresses. Links are being provided for information purposes only.

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.