Todd Smith

CFP®

Level 5 Financial, LLC

Financial Advisor

Todd Smith

CFP®

Level 5 Financial, LLC

Financial Advisor

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Todd Smith, CFP®

Providing fee-only financial planning and investment management services in Colorado Springs, Denver and nationally

Todd Smith is a Colorado Springs, CO fee-only financial planner. Level 5 Financial, LLC provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Todd Smith is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Hi, I am Todd Smith, CFP the founding member and President of Level 5 Financial. I am a Certified Financial PlannerTM and coach who has been working with business owners, families and retirees from all walks of life since 1997. I enjoy creating expert financial solutions for challenging financial problems and have been fortunate enough to have both solid Corporate experience in addition to working for small, closely held business and running my own firm. My expertise has been built on my experiences ranging from a Corporate trainer, large 401(k) administrator, and financial planner. This varied background not only enables me to relate to young(ish) professionals, business owners, and retirees – chances are I have been there or seen it! – but also provides broad problem solving capabilities when it comes to helping clients achieve the financial goals they hold most dear.

Todd 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

Holistic Financial Planning & Coaching For All of Your Most Valued Financial-life Questions

 If…

  • Already Retired

    You’re already retired or highly focused on securing your retirement and financial-life dreams.

  • Open Enrollment

    It’s open enrollment time, but you’re unsure which options are best for your situation.

  • Allocating Bonuses

    You got a bonus at work and aren’t sure if you should pay down debt like student loans/credit cards/mortgage, invest the money, or finally take that much needed vacation!

  • Major Life Change

    You’re experiencing a major life change (marriage/divorce, new job/retirement, a new baby, a new career/business).

  • Insurance Questions

    You last reviewed your insurance when you got the policies years ago. Every time you see those GEICO ads you wonder if you, too should be saving 15% or more. You wonder if you have the right kind and amount of insurance.

  • Company Retirement Plans

    You want to enroll in your company retirement plan or, as a business owner, create your own, but aren’t sure about where to start, how much to contribute, and what to invest in (oh, the options!) You want to enroll in your company retirement plan but aren’t sure how to much to contribute or what to invest in (oh, the options!).

  • College Saving Plans

    You just had a baby (or more than one!) and want to start a college savings plan (maybe!), but don’t know where to start.

  • Life Versus Finical Worries

    You would rather travel, spend time with family, and enjoy your passions instead of worrying about financial matters.

  • Your Financial Planner

    You want to work with a financial planner and advocate who works from an entirely different perspective…YOURS

Then…. Welcome to an inspiring fiduciary relationship with a fee-only, virtual comprehensive financial coaching, planning, and investment management firm focused on serving young(ish) professionals, families, and entrepreneurs.

What does that mean?

We are only paid by you for the advice we provide and never because of any products we may sell or the corporate agenda of some bank or Wall Street firm. As a young(ish) professionals, parents, and business owners ourselves, we understand the pressures you are facing. Together, through the financial planning process, we will work towards a life that makes you happy, enriched, and fulfilled regardless of competing demands from your family and career – a meaningful life that balances both, alleviated from money worries and elevates your life to your best, highest level.

Choose a financial partner and advocate to help steer you in the right direction – all you have to do is dream…

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.

Specialties

  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Todd 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.

  • Certified Financial Planner (CFP)
    Todd 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.

  • Financial Planning Association
    Todd 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.

  • XY Planning Network
    Todd Smith is a Member of the XY Planning Network

    The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.

Contact Todd Smith

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Office Locations:

  • 5353 N. Union Blvd.
    Ste 201C
    Colorado Springs, CO 80918

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