I have been in the financial services industry for over 50 years. As a Chartered Financial Consultant, I provide individuals and business owners with extensive financial planning, wealth management, and exit planning strategies. I use a systematic approach to take control of the succession planning process in order to maximize the value you receive when you decide to sell or transfer your businesses.Every option you are going to have will have its benefits and its risks. My goal in this planning process is to make you an informed decision maker so that you can make the best decision on what options best fit your goals and needs.I can help you:• Create and preserve value within your businesses using the tools that you already have. • Transfer ownership and value as profitably as possible no matter whom you sell to. • Integrate personal, financial, and estate planning goals with the goals of your business to maximize profit and minimize tax liability.Ronald F. Smith, CLU®, ChFC® (CA Insurance #0688599) is a Registered Representative and Investment Adviser Representative with/and offers securities through Commonwealth Financial Network®, member www.FINRA.org/www.SIPC.org, a Registered Investment Adviser. This communication is strictly intended for individuals residing in the State of CA. No offers may be made or accepted from any resident outside these states due to various state requirements and registration requirements regarding investment products and services. He is also an Investment Adviser Representative of H.S. Financial, Inc., a Registered Investment Adviser. Advisory services offered by H.S. Financial, Inc. and fixed insurance products and services offered by Honeycutt Smith & Associates are separate and unrelated to Commonwealth. Honeycutt, Smith & Associates, 11373 Mandrake PointSan Diego, CA 92131-3766. Please review our Terms of Use here: http://www.commonwealth.com/termsofuse.html