Ryan B Smith, CFP®, ChFC®, CLU®, M.S.

Wealth Management Advisor

Your Future is Now

Business Purpose

I have practiced estate and financial planning since 1981. The heart of our business is providing and implementing investment advice. We assist clients with investment management to meet lifetime accumulation and income needs. Expertise in areas of retirement, estate, life, disability, and long term care planning allows us to provide superior investment advice.

Get to know you – Before we offer advice, we will have an initial meeting to review your current financial situation and your investment portfolio and discuss your goals and objectives. This process includes quantifying your risk tolerance to determine your financial profile.
Analyze your needs – We will prepare a capital needs analysis using institutionally based capital market forecasts to illustrate your ability to achieve capital accumulation and income objectives.
Identify solutionsWhen your desired asset accumulation or income needs analysis is prepared, we will present an investment proposal. The investment proposal will include your recommended asset allocation and projected investment results with the portfolio's associated volatility measure.
Keep in touchWe will update your plan and investor profile and review your investment portfolio with you each year. Your advisory investment accounts will be rebalanced at each anniversary. During your account's fiscal year, if asset classes vary from their optimum portfolio allocation, your account will be rebalanced. This process ensures that emotion is removed while selling asset classes when they are high and buying asset classes that are low, thus reducing volatility while improving long-term investment results. During unsettled economic periods, my associates and I aid clients in maintaining a long range perspective on their investment and planning needs.

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To learn more about Northwestern Mutual Investment Services, LLC and its financial representatives, visit: FINRA BrokerCheck