Disclosures & Compliance

Investment Advisory Registration. Stephen Smith Financial Inc. ("SSF") is registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. A copy of our current written disclosure brochure (Form ADV, Part 2A) discussing our business operations, services, and fees is available upon request or at adviserinfo.sec.gov.

Insurance Products. Insurance products, including annuities and life insurance, are offered through Stephen Smith Insurance Inc., a separate licensed insurance entity. Insurance products are not securities, are not subject to SEC registration, and are not FDIC insured. The purchase of insurance products is not required to obtain investment advisory services from SSF, and vice versa.

No Guarantee of Results. All investment strategies involve risk, including the possible loss of principal. Past performance is not indicative of future results. There is no guarantee that any investment strategy will achieve its objectives. The value of investments may fluctuate, and investors may receive back less than they invested.

Informational Purposes Only. Content contained on this website is for informational purposes only and is not intended and should not be construed as personalized investment advice or an offer for the purchase or sale of any security, insurance, or other investment product. Please consult with a qualified financial, tax, accounting, or legal professional before implementing any ideas or strategies discussed here.

Content Accuracy. Content provided may be obtained from sources believed to be reliable but cannot be guaranteed as to its accuracy or completeness. SSF is not responsible for the content, accuracy, or privacy practices of any third-party site. Links to third-party websites are provided for convenience only and do not constitute an endorsement.

Tax & Legal Information. Any tax or legal information provided on this website is general in nature and should not be relied upon as the sole basis for any tax or legal decisions. SSF does not provide legal advice. Clients should consult with a qualified attorney or tax professional regarding their specific circumstances.

Account Minimums. Our investment advisory services require a minimum account size of $500,000. This minimum may be waived at our sole discretion.

Fiduciary Standard. When acting as your investment adviser, SSF is held to a fiduciary standard and is required to act in your best interest. This standard covers our entire investment advisory relationship with you.

Educational Information Only. Lenz is an AI-powered virtual assistant provided by Stephen Smith Financial Inc. for general educational and informational purposes only. Responses generated by Lenz do not constitute personalized investment, tax, legal, or financial advice, and should not be relied upon as such.

Not a Substitute for Professional Advice. The information provided by Lenz is general in nature and may not be appropriate for your individual circumstances. You should always consult with a qualified financial, tax, or legal professional before making any financial decisions. To speak with Stephen directly, schedule a complimentary meeting.

AI Limitations. Lenz uses artificial intelligence and may occasionally produce inaccurate, incomplete, or outdated information. SSF does not guarantee the accuracy, completeness, or timeliness of any information provided by Lenz. Always verify important financial information with qualified professionals and official sources.

No Client Relationship. Use of the Lenz AI assistant does not create an investment advisory relationship between you and Stephen Smith Financial Inc. An advisory relationship is only established through a signed investment advisory agreement.

No Confidentiality. Conversations with Lenz are processed by third-party AI services. Do not share sensitive personal information such as Social Security numbers, account numbers, passwords, or other confidential data through the Lenz chat interface.

Forward-Looking Statements. Any projections, estimates, or forward-looking statements made by Lenz are hypothetical in nature and are not guarantees of future performance. Actual results may differ materially from any projections discussed.