Frequently Asked Questions

What types of services does Smedley Financial Services offer?

Smedley Financial Services (SFS) offers a consultative approach. We tailor our services around your personal values and ...Read More >

Why should I choose SFS to manage my investments?

Our in house team of investment professionals continuously monitors and updates our portfolios to meet the changing economic...Read More >

How is SFS compensated for the services they provide?

After a complimentary planning meeting, we may be compensated by fees or commissions, or a combination of both. Before any plan is implemented, fees will be fully disclosed and agreed upon.

What is a required minimum distribution (RMD)?

Required minimum distributions, often referred to as RMDs or minimum required distributions, are amounts that the federal government requires ...Read More >

Which retirement savings vehicles are subject to RMD rules

In addition to traditional IRAs, simplified employee pension (SEP) IRAs and SIMPLE IRAs are subject to the RMD rules. Roth IRAs, however, are not ...Read More >

When must RMDs be taken?

Your first required distribution from an IRA or retirement plan is for the year you reach age 70½. However, you have some flexibility as to ...Read More >

Setting and Targeting Investment Goals

Go out into your yard and dig a big hole. Every month, throw $50 into it, but don't take any money out until you're ready to ...Read More >

Protecting Your Savings and Investments

In the wake of turbulence in the financial markets, it's worth reviewing the legal protections available for assets held by ...Read More >

Protect Yourself against Identity Theft

Whether they're snatching your purse, diving into your dumpster, stealing your mail, or hacking into your ...Read More >

Recovering from Identity Theft

You've read about it, and you thought it would never happen to you. But suddenly your bank account is ...Read More >

Death of a Family Member Checklist

Losing a loved one can be a difficult experience. Yet, during this time, you must complete a variety of tasks and make ...Read More >

How can I check an advisors regulatory record?

An advisors regulatory record can be reviewed from the Financial Industry National Regulatory Agency (FINRA) website at