RTD Financial Advisors, Inc.
Senior Vice President/Shareholder
Fee-Only Financial Planner with offices in Philadelphia, Atlanta, Bonita Springs (FL), Mt. Laurel (NJ), West Chester and Johnstown (PA)
We help our clients discover what is truly important to them and attain it by helping them make wise decisions about their money and life. Our goal is to create tangible results and have a meaningful impact on those we serve. As a fee-only, fiduciary, and independent financial advisor, Michael Smith is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
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.
From 2009 - 17, 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, 16 & 17 "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 of Directors for a 3-year term.
Michael Smith is a Member of the National Association of Personal Financial Advisors
The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning
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.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
- Corporate Retirement Plans
- Retirees and Near Retirees
- Growing Families
- Business Owners, Executives & Professionals
- Sudden Money Situations
- Young Professionals
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
- Having Fun!
Professional Designations & Affiliations
Michael Smith is a NAPFA-Registered Financial Advisor
The National Association of Personal Financial Advisors (NAPFA) is the country’s leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
Michael Smith is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification
CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
Michael Smith is a member of The Financial Planning Association® (FPA®)
FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.
Contact Michael Smith
Two Ravinia Drive
Atlanta, GA 30346
30 S. 17th Street
Philadelphia, PA 19103
27499 Riverview Center Blvd
Bonita Springs, FL 34134
121 N. Walnut Street
West Chester, PA 19380
1 Pasquerilla Plaza
Johnstown, PA 15901
1820 Chapel Ave. West
Cherry Hill, NJ 08002