Reno Frazzitta, CFP

05/24/2025

President Trump just announce big plans for Uranium. It looks like Uranium is back in vogue with new technology for small modular reactors being the driver.

The Global X Uranium Fund (URA) in our Hard Assets Portfolio Model had a very big day yesterday (up over 10%).

In the video, I go over the fund as well as the Hard Assets Model that it is part of.

The Hard Assets Model is based on the theme we identified and started putting clients into early-on. It is just now getting attention, and I expect it to continue as these are cycles that generally last for years.

My name is Reno Frazzitta. I am a Certified Financial Planner, and my firm is Smart Money Financial Advisors, LLC.

If you are interested in learning more, book a Discovery Meeting with me.

𝗕𝗼𝗼𝗸 𝗮 𝗗𝗶𝘀𝗰𝗼𝘃𝗲𝗿𝘆 𝗠𝗲𝗲𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗺𝗲:
https://workwith.smartmoneyfa.com/discovery-meeting/

This is for individuals with over $1MM in retirement funds and are open to considering a planning process that might take several meetings to complete.

This is an introductory in-person meeting with me at our office in Sterling Heights.

𝗜𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝗧𝗵𝗶𝗻𝗴𝘀 𝗧𝗼 𝗞𝗻𝗼𝘄 𝗔𝗯𝗼𝘂𝘁 𝗧𝗵𝗲 𝗠𝗲𝗲𝘁𝗶𝗻𝗴:
✔️ 𝗧𝗵𝗶𝘀 𝗶𝘀 𝗮𝗻 𝗶𝗻𝘁𝗿𝗼𝗱𝘂𝗰𝘁𝗼𝗿𝘆 𝗺𝗲𝗲𝘁𝗶𝗻𝗴. There is no cost and no obligation. I do reserve the right to decide who I work with as an advisor, just as you will retain the right to decide whether to work with us.

✔️ 𝗧𝗵𝗲𝗿𝗲 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗻𝗼 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻-𝗺𝗮𝗸𝗶𝗻𝗴 𝗶𝗻 𝘁𝗵𝗶𝘀 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗺𝗲𝗲𝘁𝗶𝗻𝗴. No decisions are ever made on the initial consult. If it's mutually agreed, there will be a 2nd consultation scheduled. At that 2nd consultation is where a decision to move forward is usually made.

✔️ 𝗧𝗵𝗲𝗿𝗲 𝗶𝘀 𝗻𝗼 𝘀𝗮𝗹𝗲𝘀 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲. I do not have the time to pressure people into doing something they're not ready for. I will give the information and the tools needed, but it would be up to you to move forward.

✔️ 𝗬𝗼𝘂 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗮𝘀𝗸𝗲𝗱 𝘁𝗼 𝗴𝗮𝘁𝗵𝗲𝗿 𝗮𝗻𝗱 𝗯𝗿𝗶𝗻𝗴 𝗮𝗹𝗼𝗻𝗴 𝗿𝗲𝗹𝗲𝘃𝗮𝗻𝘁 𝗶𝗻𝗳𝗼: A list of items to gather and bring along will be given in order to make our meeting productive. We will be pulling out planning software and plugging in numbers. This will be a working meeting.

✔️ 𝗜 𝗰𝗵𝗮𝗿𝗴𝗲 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗳𝗲𝗲𝘀: If the decision is made to move forward, the initial planning fee varies based on complexity, but can range from $500 to $5000. Our portfolio management fee starts at 1% per annum and goes down from there based on portfolio size.

✔️ 𝗔𝗻𝘆 𝗰𝗮𝗻𝗰𝗲𝗹𝗹𝗮𝘁𝗶𝗼𝗻 𝗼𝗿 𝗰𝗵𝗮𝗻𝗴𝗲 𝗺𝘂𝘀𝘁 𝗯𝗲 𝗮𝗻𝗻𝗼𝘂𝗻𝗰𝗲𝗱: I have a zero tolerance policy for this. Must call or email for any changes or cancellations. No-call/No-shows will be banned from re-booking.

✔️ 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗜𝗻𝘃𝗼𝗹𝘃𝗲𝘀 𝗥𝗶𝘀𝗸: All investing involves risk at some level, although one can ratchet that up or down.

There are only a limited number of meetings that will be offered. I have an existing book of clients to service, so I reserve the right to close the offer at some point.

I take great care in serving my clients, and I spend a lot of time with them. We have a regular schedule for client reviews and my team reaches out regularly to facilitate them.

If after reading the above, you are ready to book an initial meeting...

𝗖𝗹𝗶𝗰𝗸 𝘁𝗵𝗶𝘀 𝗹𝗶𝗻𝗸 𝗼𝗿 𝘁𝗵𝗲 𝗕𝗢𝗢𝗞 𝗡𝗢𝗪 𝗯𝘂𝘁𝘁𝗼𝗻 𝗯𝗲𝗹𝗼𝘄:
https://smartmoneyfa.as.me/Discovery
𝑃𝑎𝑠𝑡 𝑝𝑒𝑟𝑓𝑜𝑟𝑚𝑎𝑛𝑐𝑒 𝑖𝑠 𝑛𝑜 𝑔𝑢𝑎𝑟𝑎𝑛𝑡𝑒𝑒 𝑜𝑓 𝑓𝑢𝑡𝑢𝑟𝑒 𝑟𝑒𝑠𝑢𝑙𝑡𝑠. 𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑃𝑙𝑎𝑛𝑛𝑖𝑛𝑔 𝑎𝑛𝑑 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝐴𝑑𝑣𝑖𝑠𝑜𝑟𝑦 𝑆𝑒𝑟𝑣𝑖𝑐𝑒𝑠 𝑜𝑓𝑓𝑒𝑟𝑒𝑑 𝑡ℎ𝑟𝑜𝑢𝑔ℎ 𝑆𝑚𝑎𝑟𝑡 𝑀𝑜𝑛𝑒𝑦 𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝐴𝑑𝑣𝑖𝑠𝑜𝑟𝑠, 𝐿𝐿𝐶, 𝑎 𝑆𝑡𝑎𝑡𝑒-𝑅𝑒𝑔𝑖𝑠𝑡𝑒𝑟𝑒𝑑 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝐴𝑑𝑣𝑖𝑠𝑜𝑟 𝑖𝑛 𝑡ℎ𝑒 𝑆𝑡𝑎𝑡𝑒 𝑜𝑓 𝑀𝑖𝑐ℎ𝑖𝑔𝑎𝑛.

05/05/2025

Love him or hate him, you'd better take advantage of these next few years.

It looks like they are going to be able to pull off an extension of the tax cuts that were instituted during his first presidency…those tax cuts that are scheduled to expire December 31st of this year.

If successful, the extension would give those with large IRA/401k balances enough wiggle room (a few years) to convert those balances over to Roth IRAs at relatively low tax rates.

In my professional opinion, it is imperative you take advantage of this.

Why?

Because of what comes afterwards…

A ballooning national debt (that’s already over $36 Trillion) and a backlash effect that will send income tax rates much higher.

Once that happens, retirement money will be trapped in pre-tax accounts with a very high exit cost.

If you need help, I can help you. I work extensively in this area.

There's a process involved in doing this correctly, because you don't necessarily want to do this all at once (since the conversion is a taxable event).

If you'd like to learn more, I'm holding an in-person class that covers this topic.

The class is called 𝗧𝗵𝗲 𝗦𝗲𝗰𝗿𝗲𝘁𝘀 𝗼𝗳 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗧𝗮𝘅𝗮𝘁𝗶𝗼𝗻.

𝗛𝗲𝗿𝗲 𝗔𝗿𝗲 𝗧𝗵𝗲 𝗗𝗲𝘁𝗮𝗶𝗹𝘀:
𝗗𝗮𝘁𝗲: Thursday, May 8th, 2025
𝗧𝗶𝗺𝗲: 6:30pm
𝗟𝗼𝗰𝗮𝘁𝗶𝗼𝗻: The Hyatt Place Utica, in Utica, MI
𝗧𝗶𝗰𝗸𝗲𝘁𝘀 𝗔𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲: 30

My name is Reno Frazzitta.

I'm a Certified Financial Planner®, and I will be the instructor for the course.

𝗪𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗹𝗶𝗸𝗲 𝘁𝗼 𝗷𝗼𝗶𝗻 𝘂𝘀? 𝗥𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗵𝗲𝗿𝗲:

https://training.retirementlearning.net/tax-2

𝗖𝗮𝗻'𝘁 𝗮𝘁𝘁𝗲𝗻𝗱 𝘁𝗵𝗲 𝗰𝗹𝗮𝘀𝘀?
𝗕𝗼𝗼𝗸 𝗮 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻 𝘄𝗶𝘁𝗵 𝗺𝗲 𝗶𝗻𝘀𝘁𝗲𝗮𝗱:

https://workwith.smartmoneyfa.com/discovery-meeting/

The course is offered through the Retirement Learning Academy®, an advocacy and training organization that offers educational classes and workshops to improve financial literacy.

𝗪𝗵𝗮𝘁 𝗬𝗼𝘂 𝗪𝗶𝗹𝗹 𝗟𝗲𝗮𝗿𝗻:

✔️ How the 𝗻𝗲𝘄 𝘁𝗮𝘅 𝗿𝗲𝗳𝗼𝗿𝗺 𝗿𝘂𝗹𝗲𝘀 will impact your retirement, and how to potentially benefit from the 𝗹𝗶𝗺𝗶𝘁𝗲𝗱 𝘄𝗶𝗻𝗱𝗼𝘄 𝗼𝗳 𝗼𝗽𝗽𝗼𝗿𝘁𝘂𝗻𝗶𝘁𝘆 that these changes represent

✔️ 𝗛𝗼𝘄 𝘁𝗼 𝗱𝗶𝘃𝗲𝗿𝘀𝗶𝗳𝘆 𝗶𝗻𝗰𝗼𝗺𝗲 𝘀𝗼𝘂𝗿𝗰𝗲𝘀 in retirement to control tax liabilities

✔️ 𝗧𝗵𝗲 𝗵𝗶𝗱𝗱𝗲𝗻 𝘁𝗮𝘅 𝘁𝗿𝗮𝗽𝘀 𝗼𝗳 𝗜𝗥𝗔'𝘀 and other retirement accounts and how to 𝗮𝘃𝗼𝗶𝗱 𝗼𝘃𝗲𝗿𝗽𝗮𝘆𝗶𝗻𝗴 𝘁𝗮𝘅𝗲𝘀 𝗮𝘀 𝗮 𝗿𝗲𝘀𝘂𝗹𝘁 𝗼𝗳 𝘁𝗵𝗲𝗺 in retirement

✔️ How to determine which accounts to draw from first (which is known as "𝗧𝗵𝗲 𝗢𝗿𝗱𝗲𝗿 𝗼𝗳 𝗪𝗶𝘁𝗵𝗱𝗿𝗮𝘄𝗮𝗹𝘀") in order to minimize taxes

✔️ How to prepare for Required Minimum Distributions (RMD's)

✔️ 𝗨𝗻𝗱𝗲𝗿𝘀𝘁𝗮𝗻𝗱𝗶𝗻𝗴 𝗵𝗼𝘄 𝗦𝗼𝗰𝗶𝗮𝗹 𝗦𝗲𝗰𝘂𝗿𝗶𝘁𝘆 𝗶𝘀 𝘁𝗮𝘅𝗲𝗱 in order to avoid the so-called "Social Security Tax Torpedo"

✔️ How to avoid overpaying on your Medicare Part B & D premiums

✔️ When are the best times and situations to do 𝗥𝗼𝘁𝗵 𝗜𝗥𝗔 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗶𝗼𝗻𝘀?

If you're wondering about how to reduce taxes during your retirement, then this class is for you.

𝗜𝗳 𝘆𝗼𝘂'𝗿𝗲 𝗮 𝗯𝗶𝘁 𝘀𝗸𝗲𝗽𝘁𝗶𝗰𝗮𝗹 or have been disappointed before at other seminars or events...

We understand.

𝗧𝗵𝗶𝘀 𝗶𝘀 𝗡𝗢𝗧 𝗮 𝘀𝗮𝗹𝗲𝘀 𝗽𝗿𝗲𝘀𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻 𝗱𝗶𝘀𝗴𝘂𝗶𝘀𝗲𝗱 𝗮𝘀 𝗮 𝘄𝗼𝗿𝗸𝘀𝗵𝗼𝗽.

This is for people who are truly serious about learning.

Courses and workshops through the Retirement Learning Academy do not promote or endorse any specific products or companies, and no selling is allowed.

There are only a limited number of seats, so you must register to attend.

𝗖𝗹𝗶𝗰𝗸 𝘁𝗵𝗶𝘀 𝗹𝗶𝗻𝗸 𝗼𝗿 𝘁𝗵𝗲 𝗦𝗜𝗚𝗡 𝗨𝗣 𝗯𝘂𝘁𝘁𝗼𝗻 𝗯𝗲𝗹𝗼𝘄 𝘁𝗼 𝗿𝗲𝘀𝗲𝗿𝘃𝗲 𝘆𝗼𝘂𝗿 𝘀𝗽𝗼𝘁:

https://training.retirementlearning.net/tax-2
𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑃𝑙𝑎𝑛𝑛𝑖𝑛𝑔 𝑎𝑛𝑑 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝐴𝑑𝑣𝑖𝑠𝑜𝑟𝑦 𝑆𝑒𝑟𝑣𝑖𝑐𝑒𝑠 𝑜𝑓𝑓𝑒𝑟𝑒𝑑 𝑡ℎ𝑟𝑜𝑢𝑔ℎ 𝑆𝑚𝑎𝑟𝑡 𝑀𝑜𝑛𝑒𝑦 𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝐴𝑑𝑣𝑖𝑠𝑜𝑟𝑠, 𝐿𝐿𝐶, 𝑎 𝑆𝑡𝑎𝑡𝑒-𝑅𝑒𝑔𝑖𝑠𝑡𝑒𝑟𝑒𝑑 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝐴𝑑𝑣𝑖𝑠𝑜𝑟 𝑖𝑛 𝑡ℎ𝑒 𝑆𝑡𝑎𝑡𝑒 𝑜𝑓 𝑀𝑖𝑐ℎ𝑖𝑔𝑎𝑛.

For Those Who Want To Learn More About Reducing Their Taxes In Retirement.

04/22/2025

It's not like there weren't warning signs. People just chose to ignore them.

The last peak took a full 8 years before a bottom was found in 2009. If this is to repeat, we are in the early innings and have a long way to go.

My clients are positioned accordingly, but the vast majority are not.

Whether you're looking to position yourself properly, navigate market volatility, map out your retirement, or just get your finances better organized...

I'd like to help.

𝗕𝗼𝗼𝗸 𝗮 𝗗𝗶𝘀𝗰𝗼𝘃𝗲𝗿𝘆 𝗠𝗲𝗲𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗺𝗲:
https://workwith.smartmoneyfa.com/discovery-meeting/

My name is Reno Frazzitta. I am a Certified Financial Planner, and my firm is Smart Money Financial Advisors, LLC.

I have created a unique planning process to accommodate what is going on here, as well as other happenings in the broader picture.

The process does so in a manner that manages volatility according to one's own personal risk-tolerance. There is an aggressive version, a moderate version and a conservative version.

If you do not work with a financial advisor who thinks along these lines or has developed such a process, 𝗜 𝗮𝗺 𝗼𝗳𝗳𝗲𝗿𝗶𝗻𝗴 𝗮𝗻 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻 𝗺𝗲𝗲𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗺𝘆𝘀𝗲𝗹𝗳, designed for a select group of people.

This is for individuals with between $500K and $5MM in retirement funds and are open to considering a planning process that might take several meetings to complete.

This is an introductory in-person meeting with me at our office in Sterling Heights.

𝗜𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝗧𝗵𝗶𝗻𝗴𝘀 𝗧𝗼 𝗞𝗻𝗼𝘄 𝗔𝗯𝗼𝘂𝘁 𝗧𝗵𝗲 𝗠𝗲𝗲𝘁𝗶𝗻𝗴:
✔️ 𝗧𝗵𝗶𝘀 𝗶𝘀 𝗮𝗻 𝗶𝗻𝘁𝗿𝗼𝗱𝘂𝗰𝘁𝗼𝗿𝘆 𝗺𝗲𝗲𝘁𝗶𝗻𝗴. There is no cost and no obligation. I do reserve the right to decide who I work with as an advisor, just as you will retain the right to decide whether to work with us.

✔️ 𝗧𝗵𝗲𝗿𝗲 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗻𝗼 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻-𝗺𝗮𝗸𝗶𝗻𝗴 𝗶𝗻 𝘁𝗵𝗶𝘀 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗺𝗲𝗲𝘁𝗶𝗻𝗴. No decisions are ever made on the initial consult. If it's mutually agreed, there will be a 2nd consultation scheduled. At that 2nd consultation is where a decision to move forward is usually made.

✔️ 𝗧𝗵𝗲𝗿𝗲 𝗶𝘀 𝗻𝗼 𝘀𝗮𝗹𝗲𝘀 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲. I do not have the time to pressure people into doing something they're not ready for. I will give the information and the tools needed, but it would be up to you to move forward.

✔️ 𝗬𝗼𝘂 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗮𝘀𝗸𝗲𝗱 𝘁𝗼 𝗴𝗮𝘁𝗵𝗲𝗿 𝗮𝗻𝗱 𝗯𝗿𝗶𝗻𝗴 𝗮𝗹𝗼𝗻𝗴 𝗿𝗲𝗹𝗲𝘃𝗮𝗻𝘁 𝗶𝗻𝗳𝗼: A list of items to gather and bring along will be given in order to make our meeting productive. We will be pulling out planning software and plugging in numbers. This will be a working meeting.

✔️ 𝗜 𝗰𝗵𝗮𝗿𝗴𝗲 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗳𝗲𝗲𝘀: If the decision is made to move forward, the initial planning fee varies based on complexity, but can range from $500 to $5000. Our portfolio management fee starts at 1% per annum and goes down from there based on portfolio size.

✔️ 𝗔𝗻𝘆 𝗰𝗮𝗻𝗰𝗲𝗹𝗹𝗮𝘁𝗶𝗼𝗻 𝗼𝗿 𝗰𝗵𝗮𝗻𝗴𝗲 𝗺𝘂𝘀𝘁 𝗯𝗲 𝗮𝗻𝗻𝗼𝘂𝗻𝗰𝗲𝗱: I have a zero tolerance policy for this. Must call or email for any changes or cancellations. No-call/No-shows will be banned from re-booking.

✔️ 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗜𝗻𝘃𝗼𝗹𝘃𝗲𝘀 𝗥𝗶𝘀𝗸: All investing involves risk at some level, although one can ratchet that up or down.

There are only a limited number of meetings that will be offered. I have an existing book of clients to service, so I reserve the right to close the offer at some point.

I take great care in serving my clients, and I spend a lot of time with them. We have a regular schedule for client reviews and my team reaches out regularly to facilitate them.

If after reading the above, you would like to book an initial meeting with me...

𝗖𝗹𝗶𝗰𝗸 𝘁𝗵𝗶𝘀 𝗹𝗶𝗻𝗸 𝗼𝗿 𝘁𝗵𝗲 𝗕𝗢𝗢𝗞 𝗡𝗢𝗪 𝗯𝘂𝘁𝘁𝗼𝗻 𝗯𝗲𝗹𝗼𝘄:
https://workwith.smartmoneyfa.com/discovery-meeting/
𝑃𝑎𝑠𝑡 𝑝𝑒𝑟𝑓𝑜𝑟𝑚𝑎𝑛𝑐𝑒 𝑖𝑠 𝑛𝑜 𝑔𝑢𝑎𝑟𝑎𝑛𝑡𝑒𝑒 𝑜𝑓 𝑓𝑢𝑡𝑢𝑟𝑒 𝑟𝑒𝑠𝑢𝑙𝑡𝑠. 𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑃𝑙𝑎𝑛𝑛𝑖𝑛𝑔 𝑎𝑛𝑑 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝐴𝑑𝑣𝑖𝑠𝑜𝑟𝑦 𝑆𝑒𝑟𝑣𝑖𝑐𝑒𝑠 𝑜𝑓𝑓𝑒𝑟𝑒𝑑 𝑡ℎ𝑟𝑜𝑢𝑔ℎ 𝑆𝑚𝑎𝑟𝑡 𝑀𝑜𝑛𝑒𝑦 𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝐴𝑑𝑣𝑖𝑠𝑜𝑟𝑠, 𝐿𝐿𝐶, 𝑎 𝑆𝑡𝑎𝑡𝑒-𝑅𝑒𝑔𝑖𝑠𝑡𝑒𝑟𝑒𝑑 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝐴𝑑𝑣𝑖𝑠𝑜𝑟 𝑖𝑛 𝑡ℎ𝑒 𝑆𝑡𝑎𝑡𝑒 𝑜𝑓 𝑀𝑖𝑐ℎ𝑖𝑔𝑎𝑛.

In-Person At Our Sterling Heights Office.

04/22/2025

There is a civilizational shift happening. If you're aware of it, you're in the minority...

Gold is making a bold statement that the global monetary system is changing. It will affect everything from the purchasing power of the dollar, to inflation, to our 401ks and retirement savings.

I was way ahead of this curve. My clients are positioned accordingly, but the vast majority are not.

Whether you're looking to position yourself properly, navigate market volatility, map out your retirement, or just get your finances better organized...

I'd like to help.

𝗕𝗼𝗼𝗸 𝗮 𝗗𝗶𝘀𝗰𝗼𝘃𝗲𝗿𝘆 𝗠𝗲𝗲𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗺𝗲:
https://workwith.smartmoneyfa.com/discovery-meeting/

My name is Reno Frazzitta. I am a Certified Financial Planner, and my firm is Smart Money Financial Advisors, LLC.

I have created a unique planning process to accommodate what is going on here, as well as other happenings in the broader picture.

The process does so in a manner that manages volatility according to one's own personal risk-tolerance. There is an aggressive version, a moderate version and a conservative version.

If you do not work with a financial advisor who thinks along these lines or has developed such a process, 𝗜 𝗮𝗺 𝗼𝗳𝗳𝗲𝗿𝗶𝗻𝗴 𝗮𝗻 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻 𝗺𝗲𝗲𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗺𝘆𝘀𝗲𝗹𝗳, designed for a select group of people.

This is for individuals with between $500K and $5MM in retirement funds and are open to considering a planning process that might take several meetings to complete.

This is an introductory in-person meeting with me at our office in Sterling Heights.

𝗜𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝗧𝗵𝗶𝗻𝗴𝘀 𝗧𝗼 𝗞𝗻𝗼𝘄 𝗔𝗯𝗼𝘂𝘁 𝗧𝗵𝗲 𝗠𝗲𝗲𝘁𝗶𝗻𝗴:
✔️ 𝗧𝗵𝗶𝘀 𝗶𝘀 𝗮𝗻 𝗶𝗻𝘁𝗿𝗼𝗱𝘂𝗰𝘁𝗼𝗿𝘆 𝗺𝗲𝗲𝘁𝗶𝗻𝗴. There is no cost and no obligation. I do reserve the right to decide who I work with as an advisor, just as you will retain the right to decide whether to work with us.

✔️ 𝗧𝗵𝗲𝗿𝗲 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗻𝗼 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻-𝗺𝗮𝗸𝗶𝗻𝗴 𝗶𝗻 𝘁𝗵𝗶𝘀 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗺𝗲𝗲𝘁𝗶𝗻𝗴. No decisions are ever made on the initial consult. If it's mutually agreed, there will be a 2nd consultation scheduled. At that 2nd consultation is where a decision to move forward is usually made.

✔️ 𝗧𝗵𝗲𝗿𝗲 𝗶𝘀 𝗻𝗼 𝘀𝗮𝗹𝗲𝘀 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲. I do not have the time to pressure people into doing something they're not ready for. I will give the information and the tools needed, but it would be up to you to move forward.

✔️ 𝗬𝗼𝘂 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗮𝘀𝗸𝗲𝗱 𝘁𝗼 𝗴𝗮𝘁𝗵𝗲𝗿 𝗮𝗻𝗱 𝗯𝗿𝗶𝗻𝗴 𝗮𝗹𝗼𝗻𝗴 𝗿𝗲𝗹𝗲𝘃𝗮𝗻𝘁 𝗶𝗻𝗳𝗼: A list of items to gather and bring along will be given in order to make our meeting productive. We will be pulling out planning software and plugging in numbers. This will be a working meeting.

✔️ 𝗜 𝗰𝗵𝗮𝗿𝗴𝗲 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗳𝗲𝗲𝘀: If the decision is made to move forward, the initial planning fee varies based on complexity, but can range from $500 to $5000. Our portfolio management fee starts at 1% per annum and goes down from there based on portfolio size.

✔️ 𝗔𝗻𝘆 𝗰𝗮𝗻𝗰𝗲𝗹𝗹𝗮𝘁𝗶𝗼𝗻 𝗼𝗿 𝗰𝗵𝗮𝗻𝗴𝗲 𝗺𝘂𝘀𝘁 𝗯𝗲 𝗮𝗻𝗻𝗼𝘂𝗻𝗰𝗲𝗱: I have a zero tolerance policy for this. Must call or email for any changes or cancellations. No-call/No-shows will be banned from re-booking.

✔️ 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗜𝗻𝘃𝗼𝗹𝘃𝗲𝘀 𝗥𝗶𝘀𝗸: All investing involves risk at some level, although one can ratchet that up or down.

There are only a limited number of meetings that will be offered. I have an existing book of clients to service, so I reserve the right to close the offer at some point.

I take great care in serving my clients, and I spend a lot of time with them. We have a regular schedule for client reviews and my team reaches out regularly to facilitate them.

If after reading the above, you would like to book an initial meeting with me...

𝗖𝗹𝗶𝗰𝗸 𝘁𝗵𝗶𝘀 𝗹𝗶𝗻𝗸 𝗼𝗿 𝘁𝗵𝗲 𝗕𝗢𝗢𝗞 𝗡𝗢𝗪 𝗯𝘂𝘁𝘁𝗼𝗻 𝗯𝗲𝗹𝗼𝘄:
https://workwith.smartmoneyfa.com/discovery-meeting/
𝑃𝑎𝑠𝑡 𝑝𝑒𝑟𝑓𝑜𝑟𝑚𝑎𝑛𝑐𝑒 𝑖𝑠 𝑛𝑜 𝑔𝑢𝑎𝑟𝑎𝑛𝑡𝑒𝑒 𝑜𝑓 𝑓𝑢𝑡𝑢𝑟𝑒 𝑟𝑒𝑠𝑢𝑙𝑡𝑠. 𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑃𝑙𝑎𝑛𝑛𝑖𝑛𝑔 𝑎𝑛𝑑 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝐴𝑑𝑣𝑖𝑠𝑜𝑟𝑦 𝑆𝑒𝑟𝑣𝑖𝑐𝑒𝑠 𝑜𝑓𝑓𝑒𝑟𝑒𝑑 𝑡ℎ𝑟𝑜𝑢𝑔ℎ 𝑆𝑚𝑎𝑟𝑡 𝑀𝑜𝑛𝑒𝑦 𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝐴𝑑𝑣𝑖𝑠𝑜𝑟𝑠, 𝐿𝐿𝐶, 𝑎 𝑆𝑡𝑎𝑡𝑒-𝑅𝑒𝑔𝑖𝑠𝑡𝑒𝑟𝑒𝑑 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝐴𝑑𝑣𝑖𝑠𝑜𝑟 𝑖𝑛 𝑡ℎ𝑒 𝑆𝑡𝑎𝑡𝑒 𝑜𝑓 𝑀𝑖𝑐ℎ𝑖𝑔𝑎𝑛.

In-Person At Our Sterling Heights Office.

04/07/2025

When the market is down 14%, this is what you want to see. That you are at or near break-even.

In the video, I show 3 of our portfolios: Our CONSERVATIVE model, our MODERATE model and our AGGRESSIVE model.

My name is Reno Frazzitta. I am a Certified Financial Planner, and my firm is Smart Money Financial Advisors, LLC.

I have created a unique planning process to accommodate what is going on here, as well as other happenings in the broader picture.

The process does so in a manner that manages volatility according to one's own personal risk-tolerance. There is an aggressive version, a moderate version and a conservative version.

If you do not work with a financial advisor who thinks along these lines or has developed such a process, 𝗜 𝗮𝗺 𝗼𝗳𝗳𝗲𝗿𝗶𝗻𝗴 𝗮𝗻 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻 𝗺𝗲𝗲𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗺𝘆𝘀𝗲𝗹𝗳, designed for a select group of people.

This is for individuals with between $500K and $5MM in retirement funds and are open to considering a planning process that might take several meetings to complete.

This is an introductory in-person meeting with me at our office in Sterling Heights.

𝗜𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝗧𝗵𝗶𝗻𝗴𝘀 𝗧𝗼 𝗞𝗻𝗼𝘄 𝗔𝗯𝗼𝘂𝘁 𝗧𝗵𝗲 𝗠𝗲𝗲𝘁𝗶𝗻𝗴:
✔️ 𝗧𝗵𝗶𝘀 𝗶𝘀 𝗮𝗻 𝗶𝗻𝘁𝗿𝗼𝗱𝘂𝗰𝘁𝗼𝗿𝘆 𝗺𝗲𝗲𝘁𝗶𝗻𝗴. There is no cost and no obligation. I do reserve the right to decide who I work with as an advisor, just as you will retain the right to decide whether to work with us.

✔️ 𝗧𝗵𝗲𝗿𝗲 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗻𝗼 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻-𝗺𝗮𝗸𝗶𝗻𝗴 𝗶𝗻 𝘁𝗵𝗶𝘀 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗺𝗲𝗲𝘁𝗶𝗻𝗴. No decisions are ever made on the initial consult. If it's mutually agreed, there will be a 2nd consultation scheduled. At that 2nd consultation is where a decision to move forward is usually made.

✔️ 𝗧𝗵𝗲𝗿𝗲 𝗶𝘀 𝗻𝗼 𝘀𝗮𝗹𝗲𝘀 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲. I do not have the time to pressure people into doing something they're not ready for. I will give the information and the tools needed, but it would be up to you to move forward.

✔️ 𝗬𝗼𝘂 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗮𝘀𝗸𝗲𝗱 𝘁𝗼 𝗴𝗮𝘁𝗵𝗲𝗿 𝗮𝗻𝗱 𝗯𝗿𝗶𝗻𝗴 𝗮𝗹𝗼𝗻𝗴 𝗿𝗲𝗹𝗲𝘃𝗮𝗻𝘁 𝗶𝗻𝗳𝗼: A list of items to gather and bring along will be given in order to make our meeting productive. We will be pulling out planning software and plugging in numbers. This will be a working meeting.

✔️ 𝗜 𝗰𝗵𝗮𝗿𝗴𝗲 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗳𝗲𝗲𝘀: If the decision is made to move forward, the initial planning fee varies based on complexity, but can range from $500 to $5000. Our portfolio management fee starts at 1% per annum and goes down from there based on portfolio size.

✔️ 𝗔𝗻𝘆 𝗰𝗮𝗻𝗰𝗲𝗹𝗹𝗮𝘁𝗶𝗼𝗻 𝗼𝗿 𝗰𝗵𝗮𝗻𝗴𝗲 𝗺𝘂𝘀𝘁 𝗯𝗲 𝗮𝗻𝗻𝗼𝘂𝗻𝗰𝗲𝗱: I have a zero tolerance policy for this. Must call or email for any changes or cancellations. No-call/No-shows will be banned from re-booking.

✔️ 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗜𝗻𝘃𝗼𝗹𝘃𝗲𝘀 𝗥𝗶𝘀𝗸: All investing involves risk at some level, although one can ratchet that up or down.

There are only a limited number of meetings that will be offered. I have an existing book of clients to service, so I reserve the right to close the offer at some point.

I take great care in serving my clients, and I spend a lot of time with them. We have a regular schedule for client reviews and my team reaches out regularly to facilitate them.

If after reading the above, you would like to book an initial meeting with me...

𝗖𝗹𝗶𝗰𝗸 𝘁𝗵𝗶𝘀 𝗹𝗶𝗻𝗸 𝗼𝗿 𝘁𝗵𝗲 𝗕𝗢𝗢𝗞 𝗡𝗢𝗪 𝗯𝘂𝘁𝘁𝗼𝗻 𝗯𝗲𝗹𝗼𝘄:
https://workwith.smartmoneyfa.com/discovery-meeting/
𝑃𝑎𝑠𝑡 𝑝𝑒𝑟𝑓𝑜𝑟𝑚𝑎𝑛𝑐𝑒 𝑖𝑠 𝑛𝑜 𝑔𝑢𝑎𝑟𝑎𝑛𝑡𝑒𝑒 𝑜𝑓 𝑓𝑢𝑡𝑢𝑟𝑒 𝑟𝑒𝑠𝑢𝑙𝑡𝑠. 𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑃𝑙𝑎𝑛𝑛𝑖𝑛𝑔 𝑎𝑛𝑑 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝐴𝑑𝑣𝑖𝑠𝑜𝑟𝑦 𝑆𝑒𝑟𝑣𝑖𝑐𝑒𝑠 𝑜𝑓𝑓𝑒𝑟𝑒𝑑 𝑡ℎ𝑟𝑜𝑢𝑔ℎ 𝑆𝑚𝑎𝑟𝑡 𝑀𝑜𝑛𝑒𝑦 𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝐴𝑑𝑣𝑖𝑠𝑜𝑟𝑠, 𝐿𝐿𝐶, 𝑎 𝑆𝑡𝑎𝑡𝑒-𝑅𝑒𝑔𝑖𝑠𝑡𝑒𝑟𝑒𝑑 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝐴𝑑𝑣𝑖𝑠𝑜𝑟 𝑖𝑛 𝑡ℎ𝑒 𝑆𝑡𝑎𝑡𝑒 𝑜𝑓 𝑀𝑖𝑐ℎ𝑖𝑔𝑎𝑛.

04/07/2025

2 Portfolios in particular (that we use in our firm) have worked in spite of a Q1 market drop.

In the video, I show 2 the portfolios, their make up, how they performed and why they worked.

My name is Reno Frazzitta. I am a Certified Financial Planner, and my firm is Smart Money Financial Advisors, LLC.

I have created a unique planning process to accommodate what is going on here, as well as other happenings in the broader picture.

The process does so in a manner that manages volatility according to one's own personal risk-tolerance. There is an aggressive version, a moderate version and a conservative version.

𝗧𝗵𝗲 𝗢𝗳𝗳𝗲𝗿:
If you do not work with a financial advisor who thinks along these lines or has developed such a process, 𝗜 𝗮𝗺 𝗼𝗳𝗳𝗲𝗿𝗶𝗻𝗴 𝗮𝗻 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻 𝗺𝗲𝗲𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗺𝘆𝘀𝗲𝗹𝗳, designed for a select group of people.

This is for individuals with between $500K and $5MM in retirement funds and are open to considering a planning process that might take several meetings to complete.

This is an introductory in-person meeting with me at our office in Sterling Heights.

𝗜𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝗧𝗵𝗶𝗻𝗴𝘀 𝗧𝗼 𝗞𝗻𝗼𝘄 𝗔𝗯𝗼𝘂𝘁 𝗧𝗵𝗲 𝗠𝗲𝗲𝘁𝗶𝗻𝗴:
✔️ 𝗧𝗵𝗶𝘀 𝗶𝘀 𝗮𝗻 𝗶𝗻𝘁𝗿𝗼𝗱𝘂𝗰𝘁𝗼𝗿𝘆 𝗺𝗲𝗲𝘁𝗶𝗻𝗴. There is no cost and no obligation. I do reserve the right to decide who I work with as an advisor, just as you will retain the right to decide whether to work with us.

✔️ 𝗧𝗵𝗲𝗿𝗲 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗻𝗼 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻-𝗺𝗮𝗸𝗶𝗻𝗴 𝗶𝗻 𝘁𝗵𝗶𝘀 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗺𝗲𝗲𝘁𝗶𝗻𝗴. No decisions are ever made on the initial consult. If it's mutually agreed, there will be a 2nd consultation scheduled. At that 2nd consultation is where a decision to move forward is usually made.

✔️ 𝗧𝗵𝗲𝗿𝗲 𝗶𝘀 𝗻𝗼 𝘀𝗮𝗹𝗲𝘀 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲. I do not have the time to pressure people into doing something they're not ready for. I will give the information and the tools needed, but it would be up to you to move forward.

✔️ 𝗬𝗼𝘂 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗮𝘀𝗸𝗲𝗱 𝘁𝗼 𝗴𝗮𝘁𝗵𝗲𝗿 𝗮𝗻𝗱 𝗯𝗿𝗶𝗻𝗴 𝗮𝗹𝗼𝗻𝗴 𝗿𝗲𝗹𝗲𝘃𝗮𝗻𝘁 𝗶𝗻𝗳𝗼: A list of items to gather and bring along will be given in order to make our meeting productive. We will be pulling out planning software and plugging in numbers. This will be a working meeting.

✔️ 𝗜 𝗰𝗵𝗮𝗿𝗴𝗲 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗳𝗲𝗲𝘀: If the decision is made to move forward, the initial planning fee varies based on complexity, but can range from $500 to $5000. Our portfolio management fee starts at 1% per annum and goes down from there based on portfolio size.

✔️ 𝗔𝗻𝘆 𝗰𝗮𝗻𝗰𝗲𝗹𝗹𝗮𝘁𝗶𝗼𝗻 𝗼𝗿 𝗰𝗵𝗮𝗻𝗴𝗲 𝗺𝘂𝘀𝘁 𝗯𝗲 𝗮𝗻𝗻𝗼𝘂𝗻𝗰𝗲𝗱: I have a zero tolerance policy for this. Must call or email for any changes or cancellations. No-call/No-shows will be banned from re-booking.

✔️ 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗜𝗻𝘃𝗼𝗹𝘃𝗲𝘀 𝗥𝗶𝘀𝗸: All investing involves risk at some level, although one can ratchet that up or down.

There are only a limited number of meetings that will be offered. I have an existing book of clients to service, so I reserve the right to close the offer at some point.

I take great care in serving my clients, and I spend a lot of time with them. We have a regular schedule for client reviews and my team reaches out regularly to facilitate them.

If after reading the above, you are ready to book an initial meeting...

𝗖𝗹𝗶𝗰𝗸 𝘁𝗵𝗶𝘀 𝗹𝗶𝗻𝗸 𝗼𝗿 𝘁𝗵𝗲 𝗕𝗢𝗢𝗞 𝗡𝗢𝗪 𝗯𝘂𝘁𝘁𝗼𝗻 𝗯𝗲𝗹𝗼𝘄:
https://workwith.smartmoneyfa.com/discovery-meeting/
𝑃𝑎𝑠𝑡 𝑝𝑒𝑟𝑓𝑜𝑟𝑚𝑎𝑛𝑐𝑒 𝑖𝑠 𝑛𝑜 𝑔𝑢𝑎𝑟𝑎𝑛𝑡𝑒𝑒 𝑜𝑓 𝑓𝑢𝑡𝑢𝑟𝑒 𝑟𝑒𝑠𝑢𝑙𝑡𝑠. 𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑃𝑙𝑎𝑛𝑛𝑖𝑛𝑔 𝑎𝑛𝑑 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝐴𝑑𝑣𝑖𝑠𝑜𝑟𝑦 𝑆𝑒𝑟𝑣𝑖𝑐𝑒𝑠 𝑜𝑓𝑓𝑒𝑟𝑒𝑑 𝑡ℎ𝑟𝑜𝑢𝑔ℎ 𝑆𝑚𝑎𝑟𝑡 𝑀𝑜𝑛𝑒𝑦 𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝐴𝑑𝑣𝑖𝑠𝑜𝑟𝑠, 𝐿𝐿𝐶, 𝑎 𝑆𝑡𝑎𝑡𝑒-𝑅𝑒𝑔𝑖𝑠𝑡𝑒𝑟𝑒𝑑 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝐴𝑑𝑣𝑖𝑠𝑜𝑟 𝑖𝑛 𝑡ℎ𝑒 𝑆𝑡𝑎𝑡𝑒 𝑜𝑓 𝑀𝑖𝑐ℎ𝑖𝑔𝑎𝑛.

04/02/2025

This week's offer is from Fidelity & Guarantee Life, which is offering 5.55% for 5 years.

The product is a Multi-Year Guaranteed Annuity (MYGA), which are offered by insurance companies and pay the same fixed rate for all years during the guarantee period.

We utilize MYGAs in my practice for clients who are looking to park a portion of their money out of the stock market with a fixed or guaranteed rate.

Retirement funds (IRA, 401k, 403b, etc.) can be used, though there may be some restrictions on using funds from your current employer (ask me if this is the case).

𝐏𝐥𝐞𝐚𝐬𝐞 𝐑𝐞𝐚𝐝 𝐭𝐡𝐞 𝐃𝐢𝐬𝐜𝐥𝐨𝐬𝐮𝐫𝐞𝐬 𝐁𝐞𝐥𝐨𝐰:

✔️ There is a penalty for early withdrawal during the guarantee period.

✔️ There are no fees on the account.

✔️ After the initial guarantee period, you will have the option to move or withdraw the total balance. Some companies will re-lock the money to another guarantee period if the account is not moved within a 30-day window.

✔️ Interest earned is tax-deferred, but will be taxed as regular income upon withdrawal.

✔️ Employer-sponsored plan funds (401k, 403b, etc.) will be deposited as an IRA rollover, and if done properly, will NOT generate a taxable event.

✔️ My firm receives a commission on the sale of these products (generally 2% or less). This is paid by the insurance carrier and does not reduce from the premium amount you deposit.

✔️ My firm offers a variety of investment products, including brokerage accounts.

✔️ Money in this account will not benefit from an increase in the stock market.

I am a financial advisor bound to a fiduciary standard. My firm is Smart Money Financial Advisors, LLC in Sterling Heights, Michigan. I do research on a variety of investment options and make recommendations to my clients according to their specific needs.

This offer is from the insurance company stated above, and does not constitute a recommendation from me or my firm. Any recommendation must be done after proper due-diligence in the course of working with a client.

If you'd like to get more details, click the CONTACT US button below to speak with me personally.
𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑃𝑙𝑎𝑛𝑛𝑖𝑛𝑔 𝑎𝑛𝑑 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝐴𝑑𝑣𝑖𝑠𝑜𝑟𝑦 𝑆𝑒𝑟𝑣𝑖𝑐𝑒𝑠 𝑜𝑓𝑓𝑒𝑟𝑒𝑑 𝑡ℎ𝑟𝑜𝑢𝑔ℎ 𝑆𝑚𝑎𝑟𝑡 𝑀𝑜𝑛𝑒𝑦 𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝐴𝑑𝑣𝑖𝑠𝑜𝑟𝑠, 𝐿𝐿𝐶, 𝑎 𝑆𝑡𝑎𝑡𝑒-𝑅𝑒𝑔𝑖𝑠𝑡𝑒𝑟𝑒𝑑 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝐴𝑑𝑣𝑖𝑠𝑜𝑟 𝑖𝑛 𝑡ℎ𝑒 𝑆𝑡𝑎𝑡𝑒 𝑜𝑓 𝑀𝑖𝑐ℎ𝑖𝑔𝑎𝑛.
𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝑎𝑛𝑑 𝑖𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒 𝑝𝑟𝑜𝑑𝑢𝑐𝑡𝑠 𝑎𝑟𝑒 𝑛𝑜𝑡 𝐹𝐷𝐼𝐶 𝑖𝑛𝑠𝑢𝑟𝑒𝑑, 𝑛𝑜𝑡 𝑖𝑛𝑠𝑢𝑟𝑒𝑑 𝑏𝑦 𝑎𝑛𝑦 𝑓𝑒𝑑𝑒𝑟𝑎𝑙 𝑔𝑜𝑣𝑒𝑟𝑛𝑚𝑒𝑛𝑡 𝑎𝑔𝑒𝑛𝑐𝑦, 𝑛𝑜𝑡 𝑎 𝑑𝑒𝑝𝑜𝑠𝑖𝑡, 𝑜𝑏𝑙𝑖𝑔𝑎𝑡𝑖𝑜𝑛 𝑜𝑓 𝑜𝑟 𝑔𝑢𝑎𝑟𝑎𝑛𝑡𝑒𝑒𝑑 𝑏𝑦 𝑎 𝑏𝑎𝑛𝑘 𝑜𝑟 𝑎𝑛𝑦 𝑜𝑓 𝑖𝑡𝑠 𝑎𝑓𝑓𝑖𝑙𝑖𝑎𝑡𝑒𝑠. 𝑆𝑢𝑏𝑗𝑒𝑐𝑡 𝑡𝑜 𝑖𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝑟𝑖𝑠𝑘𝑠, 𝑖𝑛𝑐𝑙𝑢𝑑𝑖𝑛𝑔 𝑙𝑜𝑠𝑠 𝑜𝑓 𝑡ℎ𝑒 𝑝𝑟𝑖𝑛𝑐𝑖𝑝𝑎𝑙 𝑎𝑚𝑜𝑢𝑛𝑡 𝑖𝑛𝑣𝑒𝑠𝑡𝑒𝑑.
𝐴𝑝𝑝𝑟𝑜𝑣𝑎𝑙 𝑜𝑓 𝑎𝑝𝑝𝑙𝑖𝑐𝑎𝑡𝑖𝑜𝑛 𝑠𝑢𝑏𝑗𝑒𝑐𝑡 𝑡𝑜 𝑝𝑙𝑎𝑛 𝑟𝑢𝑙𝑒𝑠 𝑎𝑛𝑑 𝑒𝑎𝑐ℎ 𝑝𝑒𝑟𝑠𝑜𝑛'𝑠 𝑖𝑛𝑑𝑖𝑣𝑖𝑑𝑢𝑎𝑙 𝑞𝑢𝑎𝑙𝑖𝑓𝑖𝑐𝑎𝑡𝑖𝑜𝑛𝑠.
𝑅𝑎𝑡𝑒𝑠 𝑎𝑟𝑒 𝑠𝑢𝑏𝑗𝑒𝑐𝑡 𝑡𝑜 𝑐ℎ𝑎𝑛𝑔𝑒 𝑤𝑖𝑡ℎ𝑜𝑢𝑡 𝑛𝑜𝑡𝑖𝑐𝑒, 𝑏𝑢𝑡 𝑎𝑟𝑒 𝑔𝑢𝑎𝑟𝑎𝑛𝑡𝑒𝑒𝑑 𝑜𝑛𝑐𝑒 𝑎𝑝𝑝𝑙𝑖𝑐𝑎𝑡𝑖𝑜𝑛 𝑖𝑠 𝑎𝑐𝑐𝑒𝑝𝑡𝑒𝑑 𝑎𝑛𝑑 𝑎𝑝𝑝𝑟𝑜𝑣𝑒𝑑.

Call or Email

03/23/2025

Gold Just hit $3,000. Should it be in your retirement portfolio? How would you even do that?

To answer that, let us consider the picture below:

𝟭. The blue line tracks the relative value of the US Dollar over time (all the way back to 1975).

𝟮. The white line tracks the value of commodity prices (which includes gold, silver, copper etc.) relative to stocks over that same period.

𝟯. Notice what happened. Each time the dollar peaked, it coincided with either a rise in commodities, a decline in stock prices, or some combination of both.

This cyclic dynamic goes back much farther than what is shown in the chart. It says a lot about human nature.

Most people don't think about it, but they should pay attention the cyclicality of markets... considering that they greatly affect portfolio returns.

My name is Reno Frazzitta. I am a Certified Financial Planner, and my firm is Smart Money Financial Advisors, LLC.

I have created a unique planning process to accommodate what is going on here, as well as other happenings in the broader picture.

The process does so in a manner that manages volatility according to one's own personal risk-tolerance. There is an aggressive version, a moderate version and a conservative version.

𝗧𝗵𝗲 𝗢𝗳𝗳𝗲𝗿:
If you do not work with a financial advisor who thinks along these lines or has developed such a process, 𝗜 𝗮𝗺 𝗼𝗳𝗳𝗲𝗿𝗶𝗻𝗴 𝗮𝗻 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻 𝗺𝗲𝗲𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗺𝘆𝘀𝗲𝗹𝗳, designed for a select group of people.

This is for individuals with between $500K and $5MM in retirement funds and are open to considering a planning process that might take several meetings to complete.

This is an introductory in-person meeting with me at our office in Sterling Heights.

𝗜𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝗧𝗵𝗶𝗻𝗴𝘀 𝗧𝗼 𝗞𝗻𝗼𝘄 𝗔𝗯𝗼𝘂𝘁 𝗧𝗵𝗲 𝗠𝗲𝗲𝘁𝗶𝗻𝗴:
✔️ 𝗧𝗵𝗶𝘀 𝗶𝘀 𝗮𝗻 𝗶𝗻𝘁𝗿𝗼𝗱𝘂𝗰𝘁𝗼𝗿𝘆 𝗺𝗲𝗲𝘁𝗶𝗻𝗴. There is no cost and no obligation. I do reserve the right to decide who I work with as an advisor, just as you will retain the right to decide whether to work with us.

✔️ 𝗧𝗵𝗲𝗿𝗲 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗻𝗼 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻-𝗺𝗮𝗸𝗶𝗻𝗴 𝗶𝗻 𝘁𝗵𝗶𝘀 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗺𝗲𝗲𝘁𝗶𝗻𝗴. No decisions are ever made on the initial consult. If it's mutually agreed, there will be a 2nd consultation scheduled. At that 2nd consultation is where a decision to move forward is usually made.

✔️ 𝗧𝗵𝗲𝗿𝗲 𝗶𝘀 𝗻𝗼 𝘀𝗮𝗹𝗲𝘀 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲. I do not have the time to pressure people into doing something they're not ready for. I will give the information and the tools needed, but it would be up to you to move forward.

✔️ 𝗬𝗼𝘂 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗮𝘀𝗸𝗲𝗱 𝘁𝗼 𝗴𝗮𝘁𝗵𝗲𝗿 𝗮𝗻𝗱 𝗯𝗿𝗶𝗻𝗴 𝗮𝗹𝗼𝗻𝗴 𝗿𝗲𝗹𝗲𝘃𝗮𝗻𝘁 𝗶𝗻𝗳𝗼: A list of items to gather and bring along will be given in order to make our meeting productive. We will be pulling out planning software and plugging in numbers. This will be a working meeting.

✔️ 𝗜 𝗰𝗵𝗮𝗿𝗴𝗲 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗳𝗲𝗲𝘀: If the decision is made to move forward, the initial planning fee varies based on complexity, but can range from $500 to $5000. Our portfolio management fee starts at 1% per annum and goes down from there based on portfolio size.

✔️ 𝗔𝗻𝘆 𝗰𝗮𝗻𝗰𝗲𝗹𝗹𝗮𝘁𝗶𝗼𝗻 𝗼𝗿 𝗰𝗵𝗮𝗻𝗴𝗲 𝗺𝘂𝘀𝘁 𝗯𝗲 𝗮𝗻𝗻𝗼𝘂𝗻𝗰𝗲𝗱: I have a zero tolerance policy for this. Must call or email for any changes or cancellations. No-call/No-shows will be banned from re-booking.

✔️ 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗜𝗻𝘃𝗼𝗹𝘃𝗲𝘀 𝗥𝗶𝘀𝗸: All investing involves risk at some level, although one can ratchet that up or down.

There are only a limited number of meetings that will be offered. I have an existing book of clients to service, so I reserve the right to close the offer at some point.

I take great care in serving my clients, and I spend a lot of time with them. We have a regular schedule for client reviews and my team reaches out regularly to facilitate them.

If after reading the above, you are ready to book an initial meeting...

𝗖𝗹𝗶𝗰𝗸 𝘁𝗵𝗶𝘀 𝗹𝗶𝗻𝗸 𝗼𝗿 𝘁𝗵𝗲 𝗕𝗢𝗢𝗞 𝗡𝗢𝗪 𝗯𝘂𝘁𝘁𝗼𝗻 𝗯𝗲𝗹𝗼𝘄:
https://smartmoneyfa.as.me/Discovery
𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑃𝑙𝑎𝑛𝑛𝑖𝑛𝑔 𝑎𝑛𝑑 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝐴𝑑𝑣𝑖𝑠𝑜𝑟𝑦 𝑆𝑒𝑟𝑣𝑖𝑐𝑒𝑠 𝑜𝑓𝑓𝑒𝑟𝑒𝑑 𝑡ℎ𝑟𝑜𝑢𝑔ℎ 𝑆𝑚𝑎𝑟𝑡 𝑀𝑜𝑛𝑒𝑦 𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝐴𝑑𝑣𝑖𝑠𝑜𝑟𝑠, 𝐿𝐿𝐶, 𝑎 𝑆𝑡𝑎𝑡𝑒-𝑅𝑒𝑔𝑖𝑠𝑡𝑒𝑟𝑒𝑑 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝐴𝑑𝑣𝑖𝑠𝑜𝑟 𝑖𝑛 𝑡ℎ𝑒 𝑆𝑡𝑎𝑡𝑒 𝑜𝑓 𝑀𝑖𝑐ℎ𝑖𝑔𝑎𝑛.

In-Person At Our Sterling Heights Office.

03/23/2025

Imagine for a second, your country was over 35 Trillion in debt and that it only grew (never went down)...

Imagine further that despite this, and the fact that the interest on the debt surpassed national defense spending, income tax rates were near historical lows going back 100 years.

Now imagine if you had a significant portion of your wealth tied up in a before-tax retirement plan, such as a 401k or IRA...

Hypothetically speaking, at some point down the road if income tax rates had to rise significantly due to this debt problem, all the money in the pre-tax account would get taxed at the higher rate upon withdrawal.

But...in this hypothetical scenario, you had the foresight beforehand to take advantage of the tax rates while they were still low. You didn't wait around...moving portions of that pre-tax account over to a Roth IRA, where it would grow and be able to be withdrawn later on income tax-free...

In this hypothetical make believe world, your future self would surely thank you for making such smart moves earlier on by avoiding the high tax rates that would now be in effect.

My name is Reno Frazzitta. I am a Certified Financial Planner, and my firm is Smart Money Financial Advisors, LLC.

I have created a unique planning process to accommodate what is going on here, as well as other happenings in the broader picture.

The process does so in a manner that manages volatility according to one's own personal risk-tolerance. There is an aggressive version, a moderate version and a conservative version.

𝗧𝗵𝗲 𝗢𝗳𝗳𝗲𝗿:
If you do not work with a financial advisor who thinks along these lines or has developed such a process, 𝗜 𝗮𝗺 𝗼𝗳𝗳𝗲𝗿𝗶𝗻𝗴 𝗮𝗻 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻 𝗺𝗲𝗲𝘁𝗶𝗻𝗴 𝘄𝗶𝘁𝗵 𝗺𝘆𝘀𝗲𝗹𝗳, designed for a select group of people.

This is for individuals with between $500K and $5MM in retirement funds and are open to considering a planning process that might take several meetings to complete.

This is an introductory in-person meeting with me at our office in Sterling Heights.

𝗜𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝗧𝗵𝗶𝗻𝗴𝘀 𝗧𝗼 𝗞𝗻𝗼𝘄 𝗔𝗯𝗼𝘂𝘁 𝗧𝗵𝗲 𝗠𝗲𝗲𝘁𝗶𝗻𝗴:
✔️ 𝗧𝗵𝗶𝘀 𝗶𝘀 𝗮𝗻 𝗶𝗻𝘁𝗿𝗼𝗱𝘂𝗰𝘁𝗼𝗿𝘆 𝗺𝗲𝗲𝘁𝗶𝗻𝗴. There is no cost and no obligation. I do reserve the right to decide who I work with as an advisor, just as you will retain the right to decide whether to work with us.

✔️ 𝗧𝗵𝗲𝗿𝗲 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗻𝗼 𝗱𝗲𝗰𝗶𝘀𝗶𝗼𝗻-𝗺𝗮𝗸𝗶𝗻𝗴 𝗶𝗻 𝘁𝗵𝗶𝘀 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗺𝗲𝗲𝘁𝗶𝗻𝗴. No decisions are ever made on the initial consult. If it's mutually agreed, there will be a 2nd consultation scheduled. At that 2nd consultation is where a decision to move forward is usually made.

✔️ 𝗧𝗵𝗲𝗿𝗲 𝗶𝘀 𝗻𝗼 𝘀𝗮𝗹𝗲𝘀 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲. I do not have the time to pressure people into doing something they're not ready for. I will give the information and the tools needed, but it would be up to you to move forward.

✔️ 𝗬𝗼𝘂 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗮𝘀𝗸𝗲𝗱 𝘁𝗼 𝗴𝗮𝘁𝗵𝗲𝗿 𝗮𝗻𝗱 𝗯𝗿𝗶𝗻𝗴 𝗮𝗹𝗼𝗻𝗴 𝗿𝗲𝗹𝗲𝘃𝗮𝗻𝘁 𝗶𝗻𝗳𝗼: A list of items to gather and bring along will be given in order to make our meeting productive. We will be pulling out planning software and plugging in numbers. This will be a working meeting.

✔️ 𝗜 𝗰𝗵𝗮𝗿𝗴𝗲 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗳𝗲𝗲𝘀: If the decision is made to move forward, the initial planning fee varies based on complexity, but can range from $500 to $5000. Our portfolio management fee starts at 1% per annum and goes down from there based on portfolio size.

✔️ 𝗔𝗻𝘆 𝗰𝗮𝗻𝗰𝗲𝗹𝗹𝗮𝘁𝗶𝗼𝗻 𝗼𝗿 𝗰𝗵𝗮𝗻𝗴𝗲 𝗺𝘂𝘀𝘁 𝗯𝗲 𝗮𝗻𝗻𝗼𝘂𝗻𝗰𝗲𝗱: I have a zero tolerance policy for this. Must call or email for any changes or cancellations. No-call/No-shows will be banned from re-booking.

✔️ 𝗜𝗻𝘃𝗲𝘀𝘁𝗶𝗻𝗴 𝗜𝗻𝘃𝗼𝗹𝘃𝗲𝘀 𝗥𝗶𝘀𝗸: All investing involves risk at some level, although one can ratchet that up or down.

There are only a limited number of meetings that will be offered. I have an existing book of clients to service, so I reserve the right to close the offer at some point.

I take great care in serving my clients, and I spend a lot of time with them. We have a regular schedule for client reviews and my team reaches out regularly to facilitate them.

If after reading the above, you are ready to book an initial meeting...

𝗖𝗹𝗶𝗰𝗸 𝘁𝗵𝗶𝘀 𝗹𝗶𝗻𝗸 𝗼𝗿 𝘁𝗵𝗲 𝗕𝗢𝗢𝗞 𝗡𝗢𝗪 𝗯𝘂𝘁𝘁𝗼𝗻 𝗯𝗲𝗹𝗼𝘄:
https://smartmoneyfa.as.me/Discovery
𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝑃𝑙𝑎𝑛𝑛𝑖𝑛𝑔 𝑎𝑛𝑑 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝐴𝑑𝑣𝑖𝑠𝑜𝑟𝑦 𝑆𝑒𝑟𝑣𝑖𝑐𝑒𝑠 𝑜𝑓𝑓𝑒𝑟𝑒𝑑 𝑡ℎ𝑟𝑜𝑢𝑔ℎ 𝑆𝑚𝑎𝑟𝑡 𝑀𝑜𝑛𝑒𝑦 𝐹𝑖𝑛𝑎𝑛𝑐𝑖𝑎𝑙 𝐴𝑑𝑣𝑖𝑠𝑜𝑟𝑠, 𝐿𝐿𝐶, 𝑎 𝑆𝑡𝑎𝑡𝑒-𝑅𝑒𝑔𝑖𝑠𝑡𝑒𝑟𝑒𝑑 𝐼𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝐴𝑑𝑣𝑖𝑠𝑜𝑟 𝑖𝑛 𝑡ℎ𝑒 𝑆𝑡𝑎𝑡𝑒 𝑜𝑓 𝑀𝑖𝑐ℎ𝑖𝑔𝑎𝑛.

In-Person At Our Sterling Heights Office.