1. Rational. Objective. Independent.
Firm Summary
Smart Investor — Rational. Objective. Independent.
Smart Investor is an independent fee-only Registered Investment Advisor based in Rocklin, California. We work with clients
throughout the greater Sacramento metropolitan area and the western United States to help them achieve their financial goals.
As a fiduciary, it is our legal and ethical responsibility to serve the best interests of our clients. We follow a rational, objective
and collaborative process designed to fully understand what is most important to each client. With that understanding and
commitment, we then implement an on-going, systematic and disciplined process to help our clients achieve their goals and have
fun with their lives.
About Smart Investor
Smart Investor is a fiduciary wealth management firm composed of a team of highly-skilled professionals providing an
extraordinary level of client service. We specialize in working with five distinct client groups:
Entrepreneurs and Small Business Owners who often don’t have the time, inclination or discipline to devote the necessary
attention to efficiently manage their personal and business retirement, investment and estate/financial planning matters.
Retirement Plan Sponsors and Trustees who want to concentrate their skills on making their business profitable, minimize
their personal liability risk exposure, and still have their company retirement plans serve their employees well.
Individual Clients, including trusts and retirement plan participants, who can benefit from fiduciary investment management
and objective financial planning.
Non-Profits and Endowments who can benefit from fiduciary, institutional investment management.
Institutional and Individual Clients who need charitable trust administrative services.
Our discretionary asset allocation investment management services incorporate an academically-based Nobel Prize winning strategy
that allows us to bring institutional investment management to the individual investor.
In helping our clients work toward achieving their personal objectives and have fun with life, the Smart Investor staff personifies our
core values of respect, integrity, life-long learning, valuing and giving back to the communities where our clients and we live.
Smart Investor — A Registered Investment Adviser 9 Visit us online at www.smart-investor.cc

2. Rational. Objective. Independent.
The Smart Investor Experience
In a special relationship of trust and legal responsibility to our clients, we serve as a prudent expert and follow a rational, objective
and collaborative process designed to fully understand what is most important to each client. With that understanding and
commitment, we then implement an on-going, systematic and disciplined process to communicate with and assist our clients
achieve their goals and have fun with life.
The Wealth Management Consultative Process
Wealth Management Consultative Process
Two weeks One week 45 days 90 days
DISCOVERY INVESTMENT MUTUAL 45-DAY REGULAR
MEETING PLAN COMMITMENT FOLLOW-UP PROGRESS
MEETING MEETING MEETING MEETINGS
Complete discovery Presentation of Confirmation of Organization of Review of progress
process investment plan commitment account paperwork and implementation
of advanced planning
review action items
INVESTMENT PLAN ADVANCED PLANNING
AND IPS REVIEW
Diagnostic of current Comprehensive evaluation of
situation, recommendations for the entire range of the client’s
moving forward and details on financial needs with action steps
investing approach for moving forward created by
the network of experts
THE WEALTH WEALTH MANAGEMENT
MANAGEMENT NETWORK NETWORK MEETING
Network of carefully selected Network of specialists applies its
experts, each with a high level expertise to evaluate all aspects of
of knowledge and skill in key client’s financial situation and devise
financial areas appropriate action steps
Services
Smart Investor was established to provide an easier, risk managed, more efficient way for individuals to invest in their financial
security. We provide a range of services to help clients accomplish their most important financial goals.
Wealth Management — We collaborate with our clients as they articulate what’s most important to them. Based on a client’s
specific needs, we establish a flexible action plan designed to attain their financial objectives, including estate and income tax
efficiencies, education, insurance and special needs, while benefiting from our institutional, risk management investment process.
Retirement Plans — Smart Investor is a Prudent Expert and serves as an ERISA 405(d)(1) Independent Fiduciary and 3(38)
Investment Manager to Plan Sponsors, and provides on-going monitoring and Plan Participant progress review services.
Charitable Remainder Trust Administrative Services — We provide full administrative services, including investment
management and coordinate tax preparation, for institutional and individual clients who are benefiting from the lifetime income, tax
benefits and charitable objectives offered by this type of trust.
5800 Stanford Ranch Rd, Bldg 800, Rocklin, CA 95765 9 Ph: 916.435.2100 9 Toll-Free: 800.540.0624 9 Fax: 916.435.2160