<#-- Rebranding: Header Logo--> <#-- Rebranding: Footer Logo-->

Martin A. Smith

Personal Finance, Retirement, Investing
“With over 20 years of experience in the financial industry, Martin A. Smith is committed to providing retirement planning and portfolio management solutions to business owners and individuals.”

Wealthcare Financial Group, Inc.

Job Title:

President, Retirement Planning Financial Advisor


 Martin A. Smith founded Wealthcare Financial Group, Inc.™ as a retirement planning and investment management firm. He 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

 As a MD Fee-Only Financial Advisor, Martin is able to serve the unique needs of high net worth individuals and family offices with more breadth and depth than what is traditionally offered by wealth managers through his firms proprietary Wealthcare Financial Plan. Martin has completed a M.A. in Commercial Real Estate Finance at Georgetown University. In addition, he has completed several financial planning designations: the Accredited Investment Fiduciary (AIF®) and Accredited Fiduciary Analyst (AIFA®) designations, as administered by Fiduciary360 and awarded by the Centre for Fiduciary Studies (CEFEX).

 In addition, Martin has earned the Retirement Planning Specialist (RPS®) certification, upon completion of the “AT RETIREMENT®” coursework; an educational program that was jointly sponsored by The Executive Education Department of The Wharton School of the University of Pennsylvania, and AXA Equitable, Inc. He has also earned the Chartered Retirement Planning Counselor (CRPC®) designation from the College for Financial Planning in Denver, CO.

 Martin makes regular media appearances, having been a guest on News Channel 8, NBC Universal Channel 4, WTOP Radio News & Business and CBS Radio. In addition, he has been invited to teach a series of financial management educational seminars for the NBA Development League. In an effort to bridge the financial literacy gap, as well as provide ongoing personal finance education, Martin writes for Answers About Wealth™, which serves as the blog for Wealthcare Financial Group, Inc.™

 Martin earned his Bachelor of Arts Degree in Legal Communications, from Howard University in 1992. He later joined A.G. Edwards & Sons as a Financial Advisor and was later promoted to the position of Assistant Branch Manager. Martin resides in Bowie, Maryland with his wife, Walida. Together, they have seven children.


BA, Legal Communications, Howard University
MPS, Commercial Real Estate Finance, Georgetown University

Assets Under Management:

$13 million

Fee Structure:

Annual percentage based on assets under management.

CRD Number:


Insurance License:

#Life and Health


Wealthcare Financial Group, Inc. is a Registered Investment Advisor. Answers about Wealth is a personal finance blog, written by Martin A. Smith. Wealthcare Financial Plans is a Trademark of Wealthcare Financial Group, Inc.

  • Martin A. Smith
  • Martin A Smith Shares 5 Tips for Overcoming Your Money Fears, on the News Talk Live
  • Martin A. Smith Discussing "Financially Cramming for College", on NewsTalk 8.
  • On News Talk Live Discussing "Major Retirement Planning Mistakes", on News Channel 8
All Articles
Sort By:
Most Helpful
May 2017
    Retirement, Retirement Living
February 2017
    Long-Term Care Insurance, Retirement Living, Retirement Plans, Retirement Savings
April 2017
    Debt, Personal Finance
February 2017
    Income Tax, IRAs, Retirement Living, 401(k)

All Answers
Sort By:
Most Helpful
    Financial Planning, Retirement, Asset Allocation, Bonds / Fixed Income, Mutual Funds
What kind of bond fund do you recommend: a series I bond, zero coupon bond, or intermediate term municipal bond fund?
100% of people found this answer helpful

Thank you for submitting your question.

The first thing that I would like for you to do is read this concept piece entitled, "Bonds, Interest rates and the Impact of Inflation."

Making a decision about which bond to purchase should always be made in light of the current economic environment of the United States. This isn't an easy answer because on the surface, I can (and will) provide you with some general information about how a Series I-Bond differs from a Zero Coupon Bond vs. an Intermediate Term bond. However, for a more prudent answer, one that takes into consideration your risk tolerance, income need, etc. I would have to know a lot more about your financial situation.

Some people invest in bonds because they believe that bonds are inherently safer than stocks and that is just not true! A bond investor faces risks that are different from a stock investor. For example, the typical risk of buying a stock is that the value can subsequently fall. Whereas, buying a bond, one has to be concerned with the following:

  1. Credit quality of the issuer: Who is issuing the debt instrument and how financial stable is the issuer
  2. Duration: Will the bond be called away, thus eliminating the income stream
  3. Discount or Premium Bond? When the bond is either called or at the end of its term will it result in a profit from where it was purchased, or a loss?


For your review, I have compiled some educational materials about Bonds that I believe will be useful to you:

You mentioned that you are looking for an investment to go along with your stock index fund so that you will have a 70/30 asset allocation. That's great, but wait a minute! Which assets classes will be included within the 70/30 allocation. Also, which of the two (70% or 30%) will be the bonds vs. the stock index? Lastly, are you considering using just the S&P 500 asset class, or will you include other asset classes such as, small caps (Russell 2000, S&P 600), mid caps (S&P 400), etc? The selection of your asset classes are just as important -if not more- as the selection of your bond allocation by Issuer, Duration, Yield, Credit Quality and Coupon (if any).

As you can see, simply giving you a quick recommendation truly is NOT in your best interest. The educational component is essential to your long term investing success, as it is to the security of your future retirement. I wrote a blog post on the subject of asset class diversification and I HIGHLY recommend that you read it. It is entitled, "Retirees Can Protect Their Retirement Money with Better Asset Allocation."

I know that I have given you a lot to read, as well as to consider. I rather you be well educated than not! Proverbs 16:16 states, "How Much Better It Is To Get Wisdom Than Gold. And To Get Understanding Is To Be Chosen Rather Than Silver!"

If you would like to speak further, please feel free to contact me. I am always happy to provide education and assistance.

I wish you the best!


April 2018
    Career / Compensation, Insurance
What is the difference between the death benefit and cash value of an insurance policy?
89% of people found this answer helpful
April 2017
    Debt, Estate Planning, Investing, Taxes, Women & Money
What should I do with a four million dollar inheritance?
86% of people found this answer helpful
March 2018
Do lower interest rates increase investment spending?
61% of people found this answer helpful
February 2017
    Asset Allocation
Should I be comfortable with Edward Jones's new Guided Solution program?
53% of people found this answer helpful
January 2017