Helping People Create, Manage and Preserve Wealth.

Smith, Moses and Company, LLC (SMC), is a financial services firm specializing in financial, estate, and investment planning*. SMC has offices in Vandalia and Beavercreek, Ohio. Our services include: 

 

  • Wealth and Preservation Strategies
  • Personal and Business Financial Planning
  • Fee Based Investment and Portfolio Management
  • Estate Planning
  • Income Replacement
  • Retirement and Pension Planning
  • Investment Priority Planning*
  • Employee Benefits Analysis
  • Insurance Planning and Risk Management 

 

As independent advisors, we are committed to providing unbiased financial advice, product recommendations and strategies to help accomplish your financial services needs. 

 

*All references to securities and investment advisory services are offered through FSC Securities Corp., member FINRA/SIPC and a registered investment advisor. Smith, Moses and Company, LLC is not affiliated with FSC Securities Corp or registered as a broker dealer or investment advisor.  
Calculators

Life Expectancy

Knowing your likely life expectancy is an important factor in making long-term financial plans.

Risk Tolerance

This calculator is designed to help you clarify your comfort level with investment risk.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Home Affordability

Estimate of the maximum amount of financing you can expect to get when you begin house hunting.

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Newsletters

New Opportunity Under the Federal Gift Tax

The 2010 Tax Relief Act raised the lifetime gift-tax exclusion to $5 million. This means it could be a good time to make the most of tax-free gift transfers. If so, it's important to understand the annual and lifetime gift exemption limits, as well as which gifts might not be subject to them.

Put It in Writing

A high level of job satisfaction is fairly typical of business owners, but it can also be a hindrance if it keeps them from thinking about a planned exit strategy. A written exit plan could help you avoid surprises.

Favorable Dividend and Capital Gains Tax Rates Extended—for Now

The 2010 Tax Relief Act extended the 15% maximum tax rates on qualified dividends and long-term capital gains through December 31, 2012. But without further legislation, dividends will be taxed at ordinary income tax rates and capital gains tax rates will return to 20% (23.8% for investors in the two highest tax brackets) in 2013.

Making Money Market Funds Work for You

Some investors turn to money market funds when they are concerned about market volatility. Although money market funds may carry less risk than stocks, investing in them as a reaction to market volatility also carries the risk of missing out on potential gains when the market begins to recover.

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