Richard M. Smarg

Richard M. Smarg is founder of Retirement & Insurance Resources – Stockholder Member Firm of the M Financial group based in SW Florida - and founder of Advisors Trust Planning and Investment Company.

Richard earned his B.S. in Economics (UNH) and is pursuing his M.S. (American College). He is an Accredited Estate Planner (AEP), Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU), Chartered Advisor for Senior Living (CASL), Registered Representative offering securities through M Holdings Securities, and Registered Investment Advisor (RIA).

Richard served as President of Naples Estate Planning Council, and active in NAEPC. A member National Society of CLU, a qualifying and Life Member of the Million Dollar Round Table, past president Society of CLU/ChFC (NH Chapter), and served as The Million Dollar Round Table State Coordinator. Active in the premier financial services advocacy organization AALU, and for more than two decades a Qualifying Member in the industry’s prestigious Top of the Table.

Richard has instructed Advanced Financial Services (American College), authored numerous insurance industry articles, presented at annual meetings of MDRT and Top of the Table on various industry topics (New York, Texas, Illinois, Massachusetts, Florida, Oklahoma, Vermont, New Hampshire, Nevada, Canada). Created the proprietary planning program – Advanced Choice Technology – offering clients a matrix of critical planning choices. Listed in Who’s Who Registry of Industry and Finance, Richard is regularly named by Gulfshore Life Magazine as a FIVE STAR: Best in Client Satisfaction Wealth Manager.

Balancing career and family life, Richard serves civic and charitable organizations including: (President) English-Speaking Union, Naples Branch; Rotary Club of Naples (Director); Rotary International (Planned Giving Consultant); Naples Community Hospital “Ability to Care” (Chairman, Major Gifts); NCH Foundation Board; Wiggins Bay Foundation (Treasurer). Richard is a Kolbe A Index 5-5-5-5 (“Mediator”).

Favorite Quote: “Out of intense complexities, simplicities emerge” (Sir Winston Churchill)

Securities Offered Through M Holdings Securities, Inc. A Registered Broker/Dealer, Member FINREA/SIPC. Investment Advisory Services Offered Through Advisors Trust Planning and Investment Company. Retirement & Insurance Resources is independently owned and operated. Retirement & Insurance Resources is a member of M Financial Group. Please go to https://www.mfin.com/disclosure for further details regarding this relationship

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Richard M. Smarg

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