Michael J. Smith

Michael J. Smith

| CFP®

RTD Financial Advisors, Inc.

(800) 893-4725

Contact Me

Fee-Only Financial Planner with offices in Philadelphia, Atlanta, Bonita Springs (FL), Mt. Laurel (NJ), West Chester and Johnstown (PA)


  • Fee-Only Financial Planning
  • Financial Life Planning
  • Comprehensive Financial Planning
  • Retirement Planning
  • Investment Management
  • Income Tax Planning
  • Estate Planning
  • Risk Management
  • College Education Planning
  • 401(k) and IRAs
  • Business Planning


Visit Us

Two Ravinia Drive
Suite 1360
Atlanta, GA 30346

30 S. 17th Street
Suite 1620
Philadelphia, PA 19103

27499 Riverview Center Blvd
Suite 421
Bonita Springs, FL 34134

3000 Atrium Way
Mt. Laurel, NJ 08054

121 N. Walnut Street
Suite 190
West Chester, PA 19380

1 Pasquerilla Plaza
Suite 127
Johnstown, PA 15901

Fee-Only & Fiduciary

The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

Michael Smith is an Atlanta, GA Fee-Only Financial Planner serving clients across the country. RTD Financial Advisors, Inc. specializes in providing objective financial planning to help clients build, manage, grow, and protect their assets through life's transitions. Michael Smith is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.

Michael is a Shareholder of RTD Financial Advisors, Inc. and manages the Atlanta, GA office. He has been active in the financial planning profession since 1986 and a CFP® licensee since 1989. Prior to joining RTD, Michael was a Principal and co-founder of Financial Vision Advisors, Inc., a highly successful firm specializing in comprehensive, holistic financial planning.  A frequent speaker on various financial topics, Michael was co-host of the Money & More Investment and Personal Finance Seminar held at the Georgia World Congress Center in 1998, presented by the Atlanta Journal Constitution and the Georgia Society of the ICFP and attended by over 5000 people. He has been a guest lecturer at Georgia Tech, the University of Georgia, Georgia State University and Shorter College on personal finance and economics.



In 2009, 10, 11, 12, 13, 14 and again in 2015, Michael was named a Five Star Best in Client Satisfaction Wealth Manager by Atlanta Magazine.

RTD Financial Advisors was named to Financial Planning Magazine's 2016 "Top 150 RIA Leaders"

RTD Financial Advisors was named to Financial Times 2016 "300 Top Registered Investment Advisers"

RTD Financial Advisors was named to Financial Times 2015 "300 Top Registered Investment Advisers"

AdvisoryHQ listed RTD Financial Advisors, Inc. one of the Top 10 Financial Advisors and Wealth Managers in Atlanta, GA


Michael is an active member of The Financial Planning Association (FPA) and in 2009 was elected to the national FPA Board.


Helping Clients Identify & Achieve Goals: Although most clients seem to have relatively similar goals (retire comfortably, educate children, sound investment management), our unique discovery process typically uncovers many others and helps our clients to prioritize their goals based on their core values.  We find that aligning your goals with your core values quite often leads to a more satisfying, fulfilling and financially secure life.  Our goal in working with our clients is to help them achieve not only riches in life, but richness of life, as well.

Ongoing Investment Management: With an investment committee which consists of 7 seasoned professionals with a cumulative 100+ years of experience, RTD constructs portfolios designed to help our clients achieve their goals while taking the least amount of risk.  Our disciplined process looks at all portfolios on a daily basis and uses “opportunistic rebalancing” to take advantage of market fluctuations.  We strive to achieve tax efficiency and to keep costs at a minimum.

Advising Medical Professionals: Helping medical professionals navigate the ever-changing world of healthcare is our forte. We truly understand the conflicts and complexities of balancing a thriving practice and an abundant personal life. We work with physicians, dentists and specialists to help them make the smart decisions about their professional and personal lives that will ultimately provide balance, success and peace of mind.

Planning Issues for Business Owners: As small closely held business owners, we understand the unique issues and opportunities that business owners face.