How It Works
Working with SMEAC Financial is straightforward, We follow a structured process, so you always
know what’s happening with your portfolio and why.
What is SMEAC?
SMEAC is a military acronym for organizing plans and operations. It transitions easily to the financial advisory process.
Situation
Mission
Execution
Administration
Communication
Step 1: Situation — Where you stand
We start with a conversation about your assets, income, savings, retirement plans, and attitude toward risk. If you have existing investments, we review them candidly.
Step 2: Mission — What the portfolio needs to do
We agree on clear goals: what you’re investing for, the time horizon, and how much risk makes sense. This becomes the portfolio’s mandate.
Step 3: Execution — How we manage it
Once you approve the plan, SMEAC Financial manages the portfolio on a discretionary basis. That means we buy and sell, rebalance, and adjust as markets or your situation change, without needing your sign-off on every trade. Every decision stays within the guidelines we agreed on.
Step 4: Administration — Where your money lives
Your accounts are held at Charles Schwab, an independent custodian. You have full online access and receive regular statements from Schwab as well as reporting from us.
Step 5: Communication — How we stay in touch
We agree up front how often we talk and what you’ll hear from us. Typically that includes periodic reviews and updates when something meaningful changes.
What to expect
- Initial call: We talk through your situation and whether discretionary management is a fit.
- Agreement: You review and sign our advisory agreement and disclosures (Form ADV, Form CRS).
- Account setup: We help open accounts at Schwab and transfer assets.
- Ongoing management: We manage the portfolio and keep you updated.
Start Your New Financial Journey Today
I am here to listen and advise you regarding decisions to help you achieve your goals.
My services include:
Portfolio
Management
Financial
Planning
