# The Retirement Smith LLC

> The Retirement Smith LLC is a state-registered investment advisory firm in Fredericksburg, VA, registered since 2021, reporting $25 million to $100 million in regulatory assets under management in its Form ADV filing dated September 28, 2026.

- CRD: 312623
- Filed as: THE RETIREMENT SMITH LLC
- Registration: State-registered investment adviser (status as filed: APPROVED)
- Location: Fredericksburg, VA
- Filing period: October 2026
- Form ADV filing dated: September 28, 2026
- Public record (IAPD): https://adviserinfo.sec.gov/firm/summary/312623
- AdvisorCensus page: https://advisorcensus.com/firm/the-retirement-smith-llc-fredericksburg-va-312623

## Quick answers

**How is The Retirement Smith LLC compensated?**
On its Form ADV (Item 5.E, October 2026), The Retirement Smith LLC reports these compensation arrangements: a percentage of assets under its management; hourly charges; fixed fees (other than subscription fees); other.

**Where is The Retirement Smith LLC located?**
The Retirement Smith LLC's principal office is in Fredericksburg, VA, according to its Form ADV.

**Is The Retirement Smith LLC registered with the SEC or a state?**
The Retirement Smith LLC is a state-registered investment advisory firm, registered since 2021. Status as filed: APPROVED. CRD 312623.

**How much does The Retirement Smith LLC manage?**
The Retirement Smith LLC reports $39,370,000 in regulatory assets under management in its Form ADV filing dated September 28, 2026 (100% discretionary).

**What types of clients does The Retirement Smith LLC serve?**
By number of clients on Form ADV Item 5.D: individuals (other than high net worth individuals) (147); high net worth individuals (8).

**Does The Retirement Smith LLC report any disciplinary disclosures?**
Reports no disclosure items on Form ADV Item 11. The detail of any item is on the firm's public record on IAPD: https://adviserinfo.sec.gov/firm/summary/312623

**What changed in The Retirement Smith LLC's recent Form ADV filings?**
In the October 2026 filing data: Regulatory assets under management went from $18,199,322 to $39,370,000 (+116%).

## From the Form ADV filing

### Compensation (Item 5.E)
- A percentage of assets under your management
- Hourly charges
- Fixed fees (other than subscription fees)
- Other

### Regulatory assets under management (Item 5.F)
- Total: $39,370,000
- Discretionary: $39,370,000
- Non-discretionary: $0

### Clients (Item 5.D)

| Client type | Clients | Assets |
| --- | --- | --- |
| Individuals (other than high net worth individuals) | 147 | $26,428,593 |
| High net worth individuals | 8 | $12,941,407 |

### Advisory services (Item 5.G)
- Financial planning services
- Portfolio management for individuals and/or small businesses
- Selection of other advisers (including private fund managers)
- Educational seminars/workshops

### Firm details
- Registered since: 2021 (5 years)
- Employees: 2 total, 2 performing advisory functions
- Wrap fee program participation: No
- States registered or notice-filed: VA
- Disclosures (Item 11): Reports no disclosure items on Form ADV Item 11.

### Websites listed on Form ADV (Item 1.I)
- thefinancialhq.com/insurancesmith
- theretirementsmith.com

## Changes in the filing (last 12 months)

### October 2026
- Regulatory assets under management went from $18,199,322 to $39,370,000 (+116%).

## Source

Form ADV as filed, October 2026. Values appear as filed. Cite as: AdvisorCensus. The Retirement Smith LLC (CRD 312623): Form ADV filing data as of October 2026.