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I can answer detailed questions regarding mutual fund investing, retirement planning, education planning and related comprehensive wealth management and investment concerns.

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I have been providing fee only investment management and comprehensive wealth management services for the past 19 years.


I have a degree in Financial Planning & Counseling and I am also a Certified Financial Planner practitioner.

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K.F.03/20/17101010Thanks for the reply and information!
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Recent Answers from John D Smith, CFP

2017-03-17 Retirement Planning: Social Security:

Hi. Up until recently, the soc sec administration gave you many different options to cusomize your benefits based on your specific situation. However, this rules have now been simplied and options such

2017-02-28 Money Questions:

Hi. Thanks for the clarification.  To answer your question, I doubt that a bank would allow you to use foreign currency as collateral for a loan unless its a bank with foreign operations - which by the

2017-02-14 Money Questions:

Hi. To confirm I understand your question, you have access to US dollars and are wondering if a bank will give you a loan using these US dollars as security? To clarify, are the US dollars in a local US

2017-02-07 Selling Price:

Hi. What you need to do in an instance such as this is calculate your average cost. For example, if you purchased 100 shares at $8, 50 shares at $10 and 25 shares at $12, your average cost of the shares

2017-01-27 Entrusting Investment company with personal information:

Hi. Thank you for reaching out with your question!    First off, I am happy to hear that you recognize the underlying motivation of the professionals providing the free dinner and offering to provide "free"


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