Thomas G. Smith, Jr., is owner and president of Thomas Smith and Associates, a private wealth management firm located in Charlotte, N.C. Thomas Smith and Associates specializes in managing the wealth of affluent investors through diversified portfolios consisting of U.S. domestic equity securities and cash. Smith is a Certified Financial Planner and Chartered Financial Analyst. Smith is the creator of Testudo Investing, a domestic equity investment approach that focuses on stocks of companies that produce "steady" earnings growth exceeding 10% per year. Testudo Investing is the method that has been employed for nearly a decade to successfully manage the accounts of affluent investors at Thomas Smith and Associates. It is now being made available to do-it-yourself investors at www.testudoinvesting.com.