NAPFA
The National Association of Personal Financial Advisors (NAPFA) has members who are committed to the highest standards of service and fiduciary responsibility for their clients. Gary Smith is a NAPFA member and a NAPFA-Registered Financial Advisor.
Principles of NAPFA
Fee-Only:
NAPFA Members are compensated only through direct payments by their clients. Members never receive commissions for selling products and never make or receive payments for referrals from or to third parties.
Comprehensive:
NAPFA Members consider all parts of a client’s financial situation before making recommendations.
Fiduciary:
NAPFA Members pledge to place their clients’ interests before their own at all times. If a certain recommendation will improve a client’s financial situation but reduce the advisor’s fees, the advisor is obliged to make that recommendation.