phone 877.351.2508
How does your strategy look? What questions do you have? With our retirement income analysis, you may have the reassurance of knowing your retirement is on track.

A.W. Smith Financial Group, Inc. believes that every solid plan starts with listening to you, the client, to determine what's important to you – and ends with utilizing our over 20 years experience to develop a plan that meets your unique goals. After all, we are people, too.

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What People are Saying About Us

"While there are hundreds of advice books available today on saving for retirement and making your money last a lifetime, this how-to guide reaches deep into the heart of the Black culture. It shows readers that building a retirement nest egg, even if they have only a little money to start, is not that different from "the way mothers and grandmothers dealt with food – take what they had and stretch it 'til there was enough."

– Mary Beth Franklin, Kiplinger's Personal Finance

"If you're worried about retirement, read this book. It's filled with the Holy Spirit, fun to read, and easy to follow. In the Black is designed to help everyone, from minimum-wage to executive-pay earners, figure out how to pull together enough money to live comfortably for the rest of their lives. I urge other pastors to recommend this book to their church members and to adult Sunday school teachers. It's a must-read."

– The Rev. Dr. Suzan Johnson Cook
  • Book: In The Black - Live Faithfully, Prosper Financially by Aaron W. Smoth and Brenda Lane Richardson
  • With the economy and the state of the middle-class dominating most national conversations, Aaron Smith's accessible, nine-step plan to take control of your financial future will resonate whether you are just starting out or you find yourself midlife with concerns about your retirement.

    Read More..

    An estimated seventy-two million Americans are expected to retire between now and the year 2029. In the Black: Live Faithfully, Prosper Financially will help transform the way they think about retirement and financial planning. Regardless of income, In the Black offers concrete advice on what opportunities are available, steps to take advantage of these opportunities, and anecdotal narratives about how anyone can achieve their financial dreams whether they are middle-aged and facing debt, or have been actively saving all their lives.

    In clear, easy-to-follow steps, readers will learn how to:

    • Overcome historical resistance to investing
    • Save for retirement while keeping kinship ties intact
    • Use faith as a motivator for saving and strengthening financial discipline
    • Break through denial about changes in Social Security and pension plans. . . and much more.


  • Schedule a consultation and receive a copy of Aaron's book - In The Black
  • Image of book - 65 Things To Do When You Retire
  • 65 Things to Do When You Retire is a fun, lively, and inspiring guide to how to make the most of the years ahead. This book includes 65 essays with practical and bold advice from noted authors, retirement experts, and people who have used their retirement as an opportunity to turn their personal dreams into a reality, whether it’s starting a non-profit, writing a novel, or inventing new technologies to help others. For everyone reaching this milestone stage of life this book celebrates the idea that the best is yet to come!

    Read More..

    Contributors include recognizable names such as President Jimmy Carter, famous journalist and social/political activist Gloria Steinem, and Aaron Smith’s contribution in Section 2 - Four Emotions to Manage When Maintaining Your Nest Egg, as well as contributions from respected retirement experts and others in their sixties who have created dynamic lives post-retirement.

    Retirement is no longer just about recreational activities like shuffleboard and golf - nowadays, it’s often about re-creation, reinventing oneself and having the time to do all the things that got deferred while working 9 to 5.

    (Thanks to the generosity of the contributing authors, all of whom provided essays on a pro bono basis, the royalties generated from the sale of this book will be donated to nonprofit organizations dedicated to preventing and curing cancer.)



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Listen and learn while host, Aaron Smith, financial coach and author breaks down the complexities of money in easy understandable conversation.


At A.W. Smith Financial Group, Inc., our mission is to provide solutions that may help you, your business, and your family achieve financial independence.

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Minority-owned businesses are some of the fastest growing segments of the economy. From 2002-2007, the number of small businesses owned by African Americans increased 61%. That’s more than triple the rate of businesses overall. The best states for Black businesses, based upon numbers of top-grossing Black-owned businesses, are Michigan, Virginia, Ohio, Georgia, Texas, and Pennsylvania. Black women have started businesses at three to five times the rate of other Americans who start businesses. The number of businesses that are owned by African American women grew by nearly 67% between 2002-2007, despite the financial obstacles.1

A.W. Smith Financial Small Business Solutions offers a distinctive experience. We are focused on helping you identify, anticipate and avoid pitfalls to maximize your financial growth. We will show you simple solutions that will allow you to retain valuable employees, supplement your own retirement strategy, and help protect your business against financial loss in case of a key contributor's disability, critical illness or death. Our business solutions are designed to address your long-term needs based on detailed custom strategies designed to help you reach your goals.

  • Small Business Retirement Planning – We work with 401(k) programs, business owner retirement plans and projections to aid in planning for retirement.
  • Succession - Planning and Execution – Working together, we can help design funding strategies for buy/sell agreements and long-term business objectives planning.
  • Business Evaluations – We can help with loan cancellation analysis and term renegotiation for your business.
  • Key Employee Retention Programs – Establishing a nonqualified benefit compensation program can help reward important employees.
  • Cash Flow Management – Proper cash flow management could help make your small business a success. We develop easy-to-use solutions to analyze and better manage cash flow.
  • Risk Management – We help you get started with a simple plan for managing and mitigating your small business risks.
  • Corporate Retirement Planning – Your employees deserve stable income for a long and healthy retirement. We focus on solutions that help improve retirement outcomes.
  • Key Employee Protection – The loss of a key employee or partner poses a significant risk to your business, but is a risk that can be successfully mitigated through key employee insurance.

1Morris, Monique W. Black Stats: African Americans by the Numbers. New York: New York, 2014. Print.

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  • BizEquity exists to help entrepreneurs quantify their success, and then leverage that knowledge to pursue new growth initiatives. It is the first and leading cloud-based business valuation engine. BizEquity enables business owners, advisors and agents to value a company in minutes. BizEquity delivers a business valuation and a detailed business value report. Industry Research shows over 75% of all business owners do not know what their business is worth. Bolt Insurance research shows 50% of all businesses are underinsured. BizEquity will help answer a leading question that all business owners should know – What's Your Business Worth?™

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  • As an additional service for small business owners, we use fi360 Fiduciary Score® to analyze your existing financial plans and review them for efficiency.

    The fi360 Fiduciary Score® is an independent, third party evaluation of an investment.

    The fi360 Fiduciary Score® can help with:

    • Investment Selection
    • Investment Monitoring
    • Watch List Management/Investment Replacement Selection

    The fi360 Fiduciary Score® is an investment rating system that helps quickly identify a short list of investments that merit continued research in the selection process. It also facilitates the ongoing monitoring process by highlighting investments that contain potential deficiencies.

    The Score evaluates investments on nine different criteria across a spectrum of quantitative data points to determine if the investment meets a minimum fiduciary standard of care. The nine criteria include: regulatory oversight, track record, assets in the investment, stability of the organization, composition consistent with asset class, style consistency, expense ratio/ fees relative to peers, risk-adjusted performance relative to peers, and performance relative to peers.

    The fi360 Fiduciary Score® is calculated on a monthly basis for investments with at least a three year history. The Score is calculated for open end mutual funds, exchange-traded funds ("ETFs"), and Group Retirement Plan Annuities ("GRPAs").

    See our Fiduciary Score® brochure for more information about the Score and its methodology.

    Why should you use the fi360 Fiduciary Score®?

    The fi360 Fiduciary Score® is an independent, third party evaluation of an investment. The factors and thresholds used in the process come from Practice 3.1 of the Prudent Practices. The Practices, derived from legislative acts, case law, and industry best practices are considered to be the standard for investment fiduciary practice management. In addition, the process is consistent across all asset classes and investment types, making the Score an easy process to use when comparing investments.


At A.W. Smith Financial Small Business Solutions, our number one goal is to provide superior business financial planning and quality service to our clients.

Our 7 Step Business Planning Assurance Process

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  1. Introduction: Discuss succession, estate planning and business debt issues typically faced by businesses and professional practices.
  2. Information: Gather financial family data and objectives from all the stakeholders.
  3. Confirmation: Verify that no critical factors are being ignored and invite the participation of additional professionals.
  4. Preparation: Analyze any issues, evaluate options, and develop a written proposal for solution.
  5. Delivery: Review the analysis and discuss all options before preparing a detailed action checklist.
  6. Implementation: Ensure that documents reflecting the goals are prepared, executed and properly funded.
  7. Monitoring: Review the performance of the funding contracts and update the valuations with subsequent financial reports.


We view it as our responsibility to understand your long-term goals so that we can leverage our knowledge and experience to help you realize them. We take pride in our 7-Step Business Planning Assurance Process. After we prepare and implement your Strategic Business Plan, if you are not satisfied for any reason we will refund your initial deposit and no further payment will be due.


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At A.W. Smith Financial Group, Inc., our mission is simple. We help you, your business, and your family achieve financial security and independence.

We believe that every solid plan starts with listening to you, the client, to determine what is important to you - and ends with utilizing our more than 20 years of experience to develop a plan that meets your unique goals. After all, we are people too.

Financial Planning

  • 401(k) Planning
  • 403(b) Planning
  • 457 Planning
  • Roth IRA
  • Traditional IRA
  • Cash Balance
  • Second Opinion Service

Retirement Income Strategies

  • Fixed Index Annuities*
  • Variable Annuities
  • Term Life Insurance
  • Fixed Index Universal Life Insurance
  • Individual Long-Term Care Insurance
  • Pension Planning

Wealth Management

  • Mutual Funds
  • Stocks
  • Bonds
  • Brokerage Accounts
  • Unified Managed Accounts
  • Alternative Investments
  • Exchange Traded Funds

College Planning

  • 529 College Saving Planning
  • 529 Educational Planning

When you need to make an important decision, you often seek out the advice of another person, family member, friend or co-worker. You get a second opinion, several options or comparative pricing. Why not do the same with your investments? We provide second opinion services for all the services listed above.

A second opinion can provide perspective and a clearer picture. Sometimes the most important asset is a fresh look at an existing financial or investment situation. A.W. Smith Financial Group Inc. welcomes the opportunity to act as a sounding board and provide an independent, unbiased, second look.

What worked for your investments six years ago—or even six months ago—may not be working for you today. Investment products change. Markets change. Your financial situation and goals change and your investment strategy should adapt—to your age, financial circumstances, timeline, and the economic landscape.

Click here to schedule a FREE Complimentary Consultation

*Fixed Index Annuities are designed to meet long-term needs for retirement income, guarantees against the loss of principal and credited interest, and the reassurance of a death benefit for beneficiaries.


Happy Retirement picture

People are living longer than in decades past. This dramatic increase in longevity correlates directly with an increase in the number of years one can expect to spend in retirement. Many retired individuals are finding themselves sharing common financial concerns - simply by living longer than their original retirement strategy had accounted for. Did you know that 42% of Caucasians own an Individual Retirement Account or Keogh Plan; 7% of African Americans own such accounts. Also, African Americans are 23.3% less likely than all American families to have direct or indirect holdings of publicly traded stock.1

According to a recent study, the African American community is continuing to move forward with financial progress, feeling confident about the future. This study showcased confidence scores with African Americans significantly higher than the general population. It also revealed the community is still facing many financial challenges, including debt, competing financial priorities, and greater support of family.2

Combine all these factors with the ever increasing cost to live and you may have some very real reasons to develop a strategy for your future retirement. It is good to begin thinking about retirement as early as possible. Retirement expectations vary and therefore retirement preparation activities vary as well. At AW Smith we work to help you create a plan to fit your lifestyle.

Having a sound personalized retirement income analysis can help you toward your dream retirement. With a customized retirement income analysis – you can take a closer look at your thoughts, assumptions, and figures you’ve accumulated about retirement, and put them all together in an analysis to help see if your strategy will hold up. If your current strategy has any problem spots, we could help show you how many years into retirement those issues may appear with an analysis that reveals when your income may fall below a desired level.

You can then make adjustments to your plan designed to help avoid any problems later. This means you can take control of your finances and head into retirement with reassurance that could be ready for whatever comes your way.

How does your strategy look? What questions do you have? With our retirement income analysis, you may have the reassurance of knowing your retirement is on track.

Click here to schedule a FREE Complimentary Consultation

1Morris, Monique W. Black Stats: African Americans by the Numbers. New York: New York, 2014. Print.

2"THE AFRICAN AMERICAN FINANCIAL EXPERIENCE." African Americans Making Financial Progress but Still Facing Financial Challenges. Prudential, 7 Mar. 2013. Web. 10 Sept. 2014.


We do not currently have any seminars schedules. Please check back again or contact us to get an upcoming schedule. If you are interested setting up a seminar, click here to download the seminar request form.

icon 1 3954 Springfield Rd., Glen Allen, VA 23060
icon 1137 National Plaza, Suite 300, National Harbor, MD 20745

icon 2Toll Free: 877.351.2508

icon 2Local: 804.346.5900

icon 2Fax: 804.346.3320


Securities offered through Centaurus Financial. A registered broker/dealer. Member FINRA & SIPC. A.W. Smith Financial Group, Inc. is not affiliated with Centaurus Financial, Inc. Investments products and services available only to residents of: FL GA, NY, NC, OH, Washington DC, MD, VA, KY, NJ, CA.