1 SMART Step
Financial Planning, Education and Support
Learn To Invest For Yourself
It All Starts With 1 SMART Step!
Personal Consulting Has Been Closed
I am currently focused on academic research,
but I would be happy to help if I can.
Everything you need for personal finance,
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Membership to this site will be free as long as we can support the site through donations. We will provide all the materials, information and support without the bias that comes from wanting your investment or selling you financial or insurance products. This site provides:
Portfolio planning and support materials.
Help for retirement, education, and estate planning.
Provide retirement and other financial calculators.
If there are any questions you have or information you can't find on the member side of this site please contact me and I will answer your question FREE of charge.
NOTE: Please allow time to respond this site is no longer monitored regularly.
Are you on track to retire?
Can you retire early?
How much should you be saving?
Are there other things you should consider?
What should you invest in to maximize return while minimizing risk?
Did you know just a few % better return could give you four (4) times as much in retirement?
Are the fees I'm paying or low quality investments going to make me fall short of my goal?
FREE Access: Login using your Facebook, Gmail or other email. Data is only collected to improve the site and track usage, and will not be given out or sold to others.
DONATE to keep this site free and help bring more information and resources. We thank all of you for your support. If you like the resources and want more please provide feedback.
Our Standard Financial Educational Programs
Level 0 - Financial Planning: Goals, needs, requirements and rate of savings or rate of return needed to meet your goals. Personality, financial and risk assessment to find out what’s right for you. Paying off debt, budgeting and saving your money.
Other common topics:
“5 Step” financial and retirement planning.
“Three bucket” saving system.
Education savings -- 12 ways to pay for college (don’t jump to 529)
Life events checklists and help.
Tax implications of investing, what investments and accounts can provide tax advantages.
Level 1 - Replace your advisor (passive investing): Developing a diversified portfolio; evaluating your investments; picking mutual funds or ETFs. Dollar cost averaging and annual rebalancing. All major brokerage firms use passive investing to minimize cost, time and liability; allowing you to out perform them by avoiding fees and selecting higher quality funds. (This will take you about 2 hours / year once you complete your training.)
Level 2 – Adding stock to your portfolio: Finding and evaluating stocks for buy and hold investing. Adds significant opportunity for returns without adding much risk. (2 hour / month to 2 hours / quarter)
Level 3 – Active investing with funds: Market timing, cyclical and sector investing. This not only can improve return but is often a great way to reduce risk. Optional: Precious metals, REITs, real estate, rental properties, collectables. (2 hours / week to 2 hours / month)
Level 4 – Swing trading: Stocks, options, and futures. This can often double returns and for most people is the most efficient balance between risk and return. (2 hours / day to 2 hours / week)
Level 5 – Day trading: Stocks, currency, Bit-coin, commodities. Although their are several functional techniques day trading, automated trading and high frequency trading primarily relies on technical analysis (charts). Because of the short hold times fundamental company information is rarely a factor. This type of trading can be done with any type of exchange but it is not for most investors and can be extremely risky (CAUTION there is more bad information out there than good). (≥ 2 hours / day)
NOTE: We recommend starting at level 1 (or 0) and only moving up if you feel comfortable. Most investors are best suited for level 2 or 3. The education can be relevant and customizable to any country, age or type of investing. Training can be provided via internet to anywhere in the world (training and materials are only provided in English).
Anyone can benefit from learning how to get out of debt, save money and invest wisely. We teach tried and true analytical techniques for classic investing that apply to any form of investing or market anywhere in the world. All planning, analysis and investing information is relevant to anyone anywhere in the world. Information examples used and information about types of accounts and tax advantaged savings focus on the United States market and you must take local laws and issues into considerations.
We don't invest your money or receive money from any industry. It doesn't matter whether you want to invest in real estate, stocks, bonds, or collector bubble gum we will do the analysis so you can make an informed decision.
Our senior associates all have a law degree or M.B.A.; and have earned various certificates, certifications, and licenses. All senior associates must have more than ten years of experience conducting research and analysis in their respective fields, and we are excited to bring this experience to you.
Areas of experience include budgeting, accounting, auditing and internal controls; business, contract, economic, cost and investment analysis; marketing, public relations and program management; fraud and financial crime investigations; portfolio development; retirement and education planning; engineering; wills, trusts, and estate planning; as well as security for physical, financial and intellectual property.
There are many ways to invest your hard earned money (equities, bonds, real estate, insurance products, private ventures, commodities, precious metals, collectables, ...). We try to help you take an unbiased look at all the alternatives. Our associates have graduate degrees and many years of experience that they are excited to bring to you.
We can help your business get money and avoid loss by writing a business plan, creating financial forecasts, brain storming, marketing plan, startup considerations, emergency planning, continuity of operations planning (COOP), employee training or benchmarking competition.
You often need an analysis to gain support, obtain funding, determine the facts, or make an important decision. A full analysis of the facts is often needed make a sound business decision regarding investment, structure, expansion, or marketing. (e.g. buy/lease; hire/out source; break even; go-no-go; competitive environment; price setting....)
Jamie D. from Annandale: My husband and I used 1 SMART Step to review our financial plan. 1 Smart Step was excellent! The representative listened to our needs and spend time educating us about the best options to plan for our retirement. The best thing is, unlike working with people who work for financial planning companies, he didn't spend his time trying to sell us insurance. He actually spent his time helping us accomplish our goals. I highly recommend 1 SMART Step!
Seong B. from Belmont Ridge: I highly recommend 1 Smart Step as your financial and investment adviser. 1 Smart Step gets information from experts in the field and screens out bias. This is my go-to for any financial questions and advice. 1 Smart Step will go the extra miles to ensure that all your questions are answered and that you are set for success with your investing.
Joyce A. from Miami: I and my family are completely satisfied with the financial guidance given by1 Smart Step. The information and knowledge is sound and advice that is offered is sensible and clear. Our association with 1 Smart Step afforded us the individual direction we had not received from any other financial agent or organization. 1 Smart Step can be trusted to get you through the murky waters of planning for a secure future and retirement. JA
Chloe J. from Culpeper: I used 1 SMART Step to get some advice for financial planning my business.
The advisor was very knowledgeable and never hesitates to take the extra time to speak to me. He has proven to be extremely skilled and has always provided me solid advice. I would highly recommend 1 Smart Step to anyone seeking a financial advisor.