Delbert J. Smith, CPA, PC
Certified Public Accountant & Business Advisor
2680 Ridge Road West Suite 201-B, Rochester, NY 14626 · Phone: (585)720-9449 Fax: (585)720-9450

Financial and Retirement Planning

Financial planning includes determining what strategies and products are most appropriate to meet a client's personal short-term and long-term objectives. As financial advisors, clients rely on our expertise to help guide them in developing a sound financial plan that considers their stage in life, risk, temperament, tax concerns, and personal circumstances.

Retirement planning presents several issues for clients including retirement, required annual distributions, and establishment of suitable investment strategies for their retirement dollars. We can help answer these and other difficult retirement questions by evaluating the tax implications and other considerations of each alternative. We also offer assistance with retirement plan design and evaluation including SEP's, IRA's, Roth IRA's, Simple IRA's , Keoghs, and 401(k)s.

  • Comprehensive personal financial planning.
  • Investment and insurance planning.
  • Educational planning and educational savings plans.
  • Cash management and budgeting.
  • Elder care planning services.
  • Estate planning.
  • Retirement planning and implementation.
  • IRA minimum distribution planning.

Del Smith is licensed to offer securities in the State of New York. This is not an offer to sell securities in any other state or jurisdiction. Securities offered through Mutual Service Corporation. Mutual Service Corporation and LPL Financial are members of FINRA/SIPC. Advisory services offered through Harbor Capital Advisory Services. Delbert J. Smith, CPA P.C, The Harbor Financial Group, Harbor Capital Advisory Services Inc, Mutual Service Corporation and LPL Financial are separate companies.

Representatives of Mutual Service Corporation do not offer tax advice. Tax services are offered through Delbert J. Smith CPA P.C.

Our Accounting and Tax clients are located in the Monroe County, Greater Rochester, and New York Areas of: Greece, Spencerport, Hilton, Brockport, Irondequoit, Penfield, Pittsford, Fairport, Webster, Gates, and Chili.