Thomas Smith

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

  1. Financial Analysis

    How To Find P/E And PEG Ratios

    If these numbers have you in the dark, these easy calculations should help light the way.
  2. Mutual Funds

    Create Your Own U.S. Equity Portfolio

    Find out how to structure your portfolio so you can maximize returns.
  3. Investing Strategy

    Steady Growth Stocks Win The Race

    Take a page from the fable of the tortoise and the hare by investing in these constant growth stocks.
  4. FA Relevant

    Simplify Your Portfolio

    Faced with an overabundance of choices, many investors forget to stick to the basics.
  5. Managing Wealth

    One Portfolio For Asset Allocation

    If you treat all of your investments as a single portfolio, you will be better able to maximize returns.
  6. Mutual Funds

    Manage My Own Investments? Are You Kidding?

    Investors need not rely on professional advisors, but going it alone isn't easy.
  7. Bonds / Fixed Income

    Why Stocks Outperform Bonds

    Why have stocks historically produced higher returns than bonds? It's all a matter of risk.
  8. High Net Worth Strategy

    What You Get When You Pay For Investment Services

    There are three value components in investing. Can you save money by doing some of them yourself?
  9. Mutual Funds

    Full-Service Brokerage Or DIY?

    Determine what you are getting for your fees and commissions and how to get your money's worth.