Personalized Smith Maneuver Planning and Implementation

At Altrua Wealth we provide two Smith Maneuver service options.

Fee-for-Service Smith Maneuver

Our fee-for-service Smith Maneuver option is a one time solution that helps you understand the Smith Maneuver and Cash Damming strategy, and how it applies to your unique situation. We review each aspect of the Smith Maneuver

  • The mortgage

  • Investments 

  • Income tax planning

and how they work together most efficiently within a financial plan. We’ll focus on implementing the strategy together, step by step in a way you’ll feel confident about.

Fee-for-Service  Smith Maneuver Includes:

  • Accurate, reliable projections for Smith Maneuver and Cash Damming
  • Discussion of ideal mortgage structure and product options
  • Income tax planning for the Smith Maneuver
  • Tax efficient, reliable investment allocation (do it yourself investments through your own online account)
  • Strategy embedded in a personalized,  comprehensive retirement plan
  • Step by step implementation focus: Account alignment and efficient functionality
  • Tools and resources to help you manage the Smith Maneuver long term
  • Support for up to 1 year while you implement the strategies
  • Follow up meetings at a reduced rate

Fee-for-Service Smith Maneuver Process:

  1. Introduction call
  2. Information gathering
  3. Follow up questions and discussion
  4. Main Smith Maneuver and financial planning meeting (lasts 1.5 – 2 hours on Zoom)
  5. Phone and email support for 1 year while you implement

Deliverables:

  • A clear understanding of the Smith Maneuver strategy and how it applies to your situation
  • Full step-by-step implementation support and strategy management training
  • Ongoing support for one year for questions and implementation

Fee for Service Smith Maneuver One Time Cost $1000 – Satisfaction Guarantee

Done for You Managed Smith Maneuver & Financial Planning

Our ‘Done For You’ Smith Maneuver option is for those who prefer a consistent, long term service and a ‘hands off’ approach. We become your personal CFO, working to coordinate the Smith Maneuver and overall financial plan with your tax accountant and lawyer. We meet consistently, at least once per year, to review your progress and make any necessary adjustments. We help you manage accounts as needed as you accumulate assets and also in the decumulation phase at retirement time. We offer our highest level of Smith Maneuver and Cash Damming service for a lower cost than a traditional big bank mutual fund. 

Full Service Smith Maneuver Management Includes

  • Everything in the fee-for-service Smith Maneuver option plus
  • An additional meeting focused on your holistic, comprehensive financial plan
  • Full Smith Maneuver bookkeeping and progress reporting
  • Ongoing service meetings, and support leading up to, and throughout retirement
  • Hands on assistance to more fully automate the Smith Maneuver
  • Quarterback your strategy with our registered investment partner, your accountant and your lawyer

Full Service Smith Maneuver Management Process:

  1. Introduction call
  2. Information gathering
  3. Preliminary Smith Maneuver Meeting
  4. The Smith Maneuver within your overall financial plan meeting
  5. Implementation progress, working with your accounting and legal team

Deliverables:

  1. A done for you, fully optimized and automated Smith Maneuver solution
  2. A managed process with ongoing support, updates and optimization
  3. Collaborating with your accountant and lawyer for a efficiency and maximum effectiveness

Total Ongoing Fee 1.35% (portfolios $250,000+) – Satisfaction Guarantee