About Deaton and Thayer Financial

I’m Deaton Smith, CFP®, ChFC®, WMCP® and I am the founder of Thayer Financial, a CERTIFIED FINANCIAL PLANNER™ professional, a West Point graduate and OEF Veteran.

I named Thayer Financial after the founding father of West Point because I envision my company as something bigger than me. It embodies the same values and principles of my time at West Point and in the Army: Duty, Honor, Integrity, and Loyalty. These values are at the very core of everything I do and stand for. 

The existing business model is drowning in a sea of “trust me” salespeople all riddled with major conflicts of interest and complicated financial products that pay exorbitant commissions. This is why I created my own firm. My values and beliefs did not line up with any of these major firms and I knew that there had to be a better way to serve my clients. 

That’s why I launched a fee-only Registered Investment Adviser that is legally obligated to work as a fiduciary 100% of the time.

I don’t accept commissions, referral fees, kickbacks, free vacations, or marketing dollars from insurance companies or investment companies.

The only way I get paid is directly from my clients for the services that I provide, which allows me to work solely in my client’s best interest. It also allows my clients to weigh the true cost of the advice and service they are receiving.

Deaton is a proud member of:

R. Deaton Smith III | President & CCO

Get Started

About Kelly

Deaton and Kelly Smith

Fiduciary Financial advisors, Hickory, NC

Get Started

My wife, Kelly, a Clemson University graduate with a degree in Finance, joined me at Thayer Financial in January 2020. She brings a wealth of knowledge to the business after spending 7 years working for several large wealth management companies in Charlotte as well as spending the last 5 years running her family’s business. 

Her background has been focused on creating operational efficiencies for both startup and existing financial firms. After spending years learning how the “big box” firms approached financial management through pushing proprietary products, selling expensive life insurance and positioning higher commission investments, she is a huge advocate for the fee-only financial planning approach and trying to change the paradigm for how most people receive their financial advice.

As the daughter of a small business owner Kelly understands the complexities and challenges of running a small business. Kelly focuses on the operational side of the business and will continue to develop and refine Thayer Financial’s client experience.

Thayer Financial’s Core Values

Morally and legally obligated to fulfill our obligations 

Holding oneself to a higher standard of conduct

Always choosing the harder right over the easier wrong

Loyalty to a client is the very essence of being a fiduciary


CFP Professional XY Planning Network NAPFA Fee-Only Network

Subscribe to Our Newsletter!


Latest news

View all

Follow the link below to log into your eMoney, AdvicePay or TD Ameritrade AdvisorClient account.

Click here

Contact Us



Thayer Financial
439 4th Street SW
Hickory, NC 28602

Schedule a meeting