We help clients with retirement planning, investment management, and qualified retirement plans (including 401ksand profit-sharing plans). Our philosophy is that a comprehensive financial plan coupled with our investment management services result in the best value to our clients; however, clients are not required to use both services.
Finding the right fit for your wealth management needs is critical to your financial goals, and for us finding the right client is essential to foster the best working relationship. Our ideal client is approaching retirement age, has accumulated investable assets of at least $500,000, and seeks professional guidance or is a business owner with complex tax situations. They understand the importance of having an ongoing plan and commit to being fully engaged in the process.
No, nearly one-third of Thayer Financial’s clients currently reside outside of North Carolina. Our financial planning and investment services are offered virtually, which allows us to take on clients all over the country.
We will meet more frequently to develop the plan and begin implementing the necessary changes in the first year. Once a plan is established, we will scale back and meet twice a year to evaluate the plan and make any necessary adjustments. Outside of these formal meetings, we are always available to clients and encourage them to check in with us frequently if any questions arise that impact our plan or investment accounts.
Data security is essential to us, and we maintain and implement industry-leading principles to keep our client’s information secure. We use unique complex passwords for all logins and passwords (think 25+characters), multi-factor authentication when available, and have leading malware protection on our computers. We also do not keep or store client’s passwords for their client portals, bank accounts, etc.
We do not have an investment minimum, but our clients are typically pre-retirees and retirees with $500,000 or more in investible assets. In certain circumstances, we work with younger clients and business owners to assist them with their investments and planning needs.
Based on the complexities of your situation, we present you with an annual fee that covers all of our services. There are no kickbacks, referral fees, commissions, hidden fees, and other miscellaneous fees companies are implementing these days.
No. We have vetted partners that we refer our clients to because we trust them.
None. Not even one. We work for you.
Deaton Smith holds a bachelor’s degree in Geospatial Information Science and Engineering from West Point and designations as CERTIFIED FINANCIAL PLANNER™ (CFP®), Chartered Financial Consultant (ChFC®), Wealth Management Certified Professional (WMCP®), and Certified Exit Planning Advisors (CEPA®).
Kelly Smith holds a bachelor’s degree in Finance from Clemson University, is a GIA Graduate Gemologist, and is working towards her series 65.
Yes, 100% of the time, and we would not have it any other way!
Deaton is 37, and Kelly is 36. We love what we do and don’t plan to retire for at least 30 (plus) years.
As a husband and wife business, we take a team approach to work with our clients, which prevents unnecessary interruptions in our business for clientele. Keeping the firm small allows us to provide a higher-touch, more personalized service than you would get at larger firms. Our clients appreciate this aspect of our business. In the unlikely event of our premature deaths, our clients are custodied with TD Ameritrade, with thousands of other independent Registered Investment Advisors in their network that can help take over planning and investment support. The strategies that we implement are built around long-term goals, so there will not be any need to rush, and you will be able to take your time finding a new advisor.
No. We take pride in our reputation and proudly report that we have a clean record with no complaints.
We utilize the TD Ameritrade platform as a third-party custodian. TD Ameritrade provides both recordkeeping and security for your investments. The account is set up in your name, and you will give Thayer Financial limited power to manage investments, debit quarterly investment management fees, and transfer money to and from your investment accounts and banking accounts. We never have possession (custody) of your money.
We pride ourselves on the fact we are always available to our clients, and our goal is to return calls and emails immediately. Our office phones roll over to our cell phones even while away from the office and even on vacation. Clients also have full access to TD Ameritrade to access funds at any time. We believe that open two-way communication is imperative to having a successful relationship.