Overview
A. Bonner & Smith, LLC is strictly a fee-only, fiduciary, financial planning and investment advisory firm
registered with the SEC. We have been providing investment advice and planning services since 1996. The
principal owners and advisers are Raymond Keith Bonner and Susan D. Smith.
B. Services Provided:
Bonner & Smith, LLC provides fee only financial planning and portfolio management services with
discretionary trading authority to individuals and/or small businesses. Services include general financial
planning, portfolio design and active management, continuous monitoring of portfolios, personal
interaction with clients, performance reporting and tax advantaged investing.
The minimum portfolio size for Wealth Management services (financial planning and investment
management) $1,000,000. This amount is negotiable based on circumstances (e.g., future earning
capacity, future additional assets, related accounts, family members, time horizons)
We offer 401(k), 403(b) and other workplace savings plans management services. We offer services from a
third party platform to facilitate management of held away assets such as defined contribution plan participant
accounts, with discretion. We are not affiliated with the platform in any way and receive no compensation
from them for using their platform. A link will be provided to the Client allowing
them to connect an
account(s) to the platform. Once Client account(s) is connected to the platform, Adviser will review the
current account allocations. When deemed necessary, Adviser will rebalance the account considering client
investment goals and risk tolerance. As we introduce and transition existing clients to the new platform, we
will offer a review and rebalance of workplace plans upon request.
C. Bonner & Smith, LLC follows the financial planning process of getting to know our clients; gathering
and analyzing financial documents, establishing goals and developing a customized plan. We work with
our clients to implement and monitor the stated goals. Clients may impose restrictions on investing in
certain securities or investment types.
D. Bonner & Smith, LLC does not participate in wrap fee programs.
Bonner & Smith, LLC custodies accounts at Fidelity Investments Institutional Wealth Services. Bonner &
Smith, LLC requires each client to open one or more investment accounts with Fidelity Investments. We use
American Funds Group to custody 529 college accounts.
E. Assets under management and total number of accounts as of 12/31/2022
U.S. Dollar Amount Total Number of Accounts
Discretionary: $ 207,635,463 949
Non-Discretionary: $ 0.00 0
Total: $ 207,635,463 949
Bonner & Smith, LLC 801- 81163 02/20/2023