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Our Company

The Retirement Smith

We empower you to navigate today’s complex financial world. We help tailor a plan to fit your individual and family needs, as well as the needs of your small or large business.

The Retirement Smith serves Fredericksburg, VA and surrounding communities. Making strong commitments to our clients and building life-long relationships are tenets of success at The Retirement Smith.

The Retirement Smith provides investors custom-tailored strategies to meet short- and long-term needs. The Retirement Smith’s mission is to help our clients realize their financial dreams by offering creative strategies through an open and transparent process utilizing innovative strategies to achieve financial independence.



Meet Jeffrey B. Smith – Owner

As the owner of The Retirement Smith, Jeff Smith is focused on helping clients work toward their dreams through a well-thought-out retirement income strategy. Jeff runs his business as he runs his life: Treat others the way he wishes to be treated.

Jeff entered the financial services industry after college in 1998, where he studied political science with an emphasis on economics and conflict resolution. He was referred to a large insurance company, where he discovered how impactful his role is in helping others reaching their retirement goals. He realized his calling to do more for the families he worked with and became an independent agent in 2002 by establishing The Insurance Smith.

After thorough research and careful consideration, I have decided to take my practice in a new direction. In 2017, I passed the Uniform Investment Adviser Law Examination (Series 65) and have affiliated with Gradient Advisor, LLC as an Investment Advisor Representative. While I have always done what was in my clients best interest, I am now legally bound to provide you and your family with a fiduciary level of service and only offer solutions that serve in your best interest.

I have created two distinct business entities to service clients in different ways: The Insurance Smith provides insurance products and services, while The Retirement Smith offers investment advisory services. My mission is to provide personalized, high quality financial services to a diverse group of clients at all income levels.  Partnering with Gradient Advisors, LLC as an Investment Advisor Representative allows me to offer my clients  strategies from a wide selection of highly-rated companies in the industry.

Jeff has been featured in The Free Lance-Star for his continued efforts to inform the public of the importance of preparing for their financial futures.

Jeff resides in Fredericksburg with his beautiful wife, Sarah, and children, Olivia and Jackson, who are his continual source of joy and pride. When not spending time with his family, Jeff enjoys cycling, running marathons, painting in oil and canvas, writing and reading.