Philip E. Smith CFP®, ChFC®, MSFS, RICP®
Managing Director, Financial Advisor
As the Founder, Managing Director, and Financial Advisor at Salient Wealth Planning, my primary responsibilities revolve around advising clients and overseeing the business operations of our firm. My specialization lies in helping clients navigate the critical transition from working life to retirement, ensuring they are well-prepared for the many decisions that arise during this period. From cash flow and taxes to investments, Social Security, pension decisions, and estate planning, we provide comprehensive support to make this transition as smooth as possible.
I have been immersed in the financial services industry since 2000. Salient Wealth Planning was originally a financial advisory practice through Ameriprise Financial, but in 2023, we took the exciting step of becoming an independent Registered Investment Advisor (RIA) practice. Throughout my career, I've earned several important designations and certifications, including the Certified Financial Planner™ (CFP®), Retirement Income Certified Professional® (RICP®), Master of Science in Financial Services (MSFS), and Chartered Financial Consultant® (ChFC®).
My educational background includes a degree in Business Administration with a concentration in Finance from PLNU and a Masters of Financial Services through the American College. I am driven by a passion for helping clients simplify the complexities of their finances, empowering them to reach their goals and enjoy a fulfilling retirement. I take great satisfaction in making the complex simple and assisting clients in getting organized. The greatest value I can provide is helping clients find confidence in their financial decisions and alleviating the burden of financial complexities.
Born in San Diego, I now reside in Carlsbad, CA with my wonderful wife and our three children. In my free time, I cherish moments spent with family, whether it's enjoying a BBQ, surfing the local waves, hiking, or mountain biking. These activities not only keep me active but also provide a perfect balance to my professional life, allowing me to recharge and stay inspired.