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Martin A. Smith, CRPC®, AIFA® President,
Retirement Planning Financial Advisor™

Martin A. Smith is the President of Wealthcare Financial Group, Inc.™ a retirement planning and investment management firm. He is also a personal finance blogger and founder of Answers About Wealth™, an educational resource that offers trusted advice by professional advisors. Martin is committed to providing each client with values-based advice and custom-tailored service. Thus, the need for prudent advice and high quality service is also the basis for his business philosophy; “How much better it is to get wisdom than gold! And to get understanding is to be chosen rather than silver!” Proverbs 16:16

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2002, 2017

Retirees Should Invest In A Good Cyber Security System In Order To Protect Their Money During Retirement

February 20th, 2017

Part 1 in our series: “5 Ways Retirees Should Protect Their Money During Retirement.” There are many reasons why retirees should invest in a good cyber security system. To a cyber criminal, a retiree is a high value target because of the assumption that they have saved a lot of money for retirement, includ [...]
Martin A. Smith, CRPC®, AIFA® President, Retirement Planning Financial Advisor™
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1802, 2017

5 Ways Retirees Should Protect Their Money During Retirement

February 18th, 2017

In this series, about the 5 Ways Retirees Should Protect Their Money During Retirement, I have decided to focus on one topic per post because each of the five points that comprise this series requires considerable detail, including some research and analysis to make this 5-part post as meaningful to you, my readers as [...]
Martin A. Smith, CRPC®, AIFA® President, Retirement Planning Financial Advisor™
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310, 2016

Avoid Making Retirement Planning Mistakes

October 3rd, 2016

At all costs, major retirement planning mistakes can and should be avoided just like Caffeine. Caffeine? Yes, caffeine! Hang in there with me for a minute and you will understand what I’m talking about. When done properly, the process of retirement financial planning should greatly reduce the potential for costly mis [...]
Martin A. Smith, CRPC®, AIFA® President, Retirement Planning Financial Advisor™
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1010, 2016

Higher Student Loan Rates Presents Challenge for Black Community

October 10th, 2016

Data from the U.S. Census Bureau shows how higher student loans rates presents a challenge for the Black Community. For example, according to the U.S. Census Bureau, 18 percent of African-Americans 35 years old and older had a bachelor’s degree or higher in 2010. Some 1.5 million African-Americans 25 years old and ol [...]
Martin A. Smith, CRPC®, AIFA® President, Retirement Planning Financial Advisor™
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1710, 2016

Financial Literacy: Key to Creating and Sustaining Wealth for African Americans

October 17th, 2016

Legacy planning is a lifelong endeavor that requires patience, discipline, a strong work ethic and proficiency when it comes to the subject of money and taxes. Being “wealthy” should not only be defined in numerical terms. Otherwise, what good does having a lot of money do for the people who are unable to enjoy it [...]
Martin A. Smith, CRPC®, AIFA® President, Retirement Planning Financial Advisor™
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2410, 2016

Managing Portfolio Risk and Tolerance

October 24th, 2016

If you’re like most people, you could probably use professional advice with managing portfolio risk and tolerance, as well as learning how to evaluate your portfolio in terms of its return potential. However, return isn’t the only factor you should consider, also important is the amount of risk you take in [...]
Martin A. Smith, CRPC®, AIFA® President, Retirement Planning Financial Advisor™
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3110, 2016

Manage Your Important Financial Documents and Reduce Clutter

October 31st, 2016 5 Comments

It may surprise you to learn that many people have important financial documents strewn all over their homes – in desk drawers, underneath books, in various files cabinets and often not located in the correct file, in between books on their bookshelves, etc. [...]
Martin A. Smith, CRPC®, AIFA® President, Retirement Planning Financial Advisor™
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