FINANCIAL PLANNING
ACHIEVE YOUR FINANCIAL GOALS TODAY, TOMORROW, AND IN THE FUTURE
Our Mission: Creating Financial Freedom For Our Clients
Personal Financial Specialists
Creating Financial Freedom with Smooth Financial
At Smooth Financial, we deliver comprehensive and tax-sensitive financial strategies designed to protect and grow wealth with confidence. Our process is grounded in actionable, evidence-based recommendations that align with your long-term goals and legacy.
- Retirement Planning & Distribution Strategies
- Social Security Optimization
- Estate & Wealth Transfer Planning
- Advanced Risk Management & Long-Term Care Solutions
- Income Tax Efficiency Strategies
- Legacy & Philanthropic Giving
- Strategic Investment Management
- Qualified Retirement Plans for Businesses (401k, Defined Benefit Plans, and more)
We partner with both individuals seeking tailored financial guidance and business owners looking to implement employee retirement solutions that attract and retain top talent.
FINANCIAL planning Services
Financial Planning
Assisting individuals and families in tracking income and expenses, managing debt, and creating realistic budgets to support financial stability.
Retirement Planning
Developing savings strategies for children’s or personal education expenses, including 529 plans and other tax-advantaged options.
Estate Planning
Helping clients determine retirement goals, calculate savings needs, choose investment strategies, and plan income distribution during retirement.
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Bill Garten
Wealth Advisor
Bill Garten has more than 25 years of experience in providing comprehensive financial planning and investment management services to individuals, families, and businesses. He specializes in retirement and portfolio management strategies, using a variety of financial instruments, such as mutual funds, bonds, stocks, ETFs, alternative investments, REITs, annuities, and insurance products.
Bill’s mission is to help his clients understand and optimize their investment portfolio performance, as they move towards retirement and beyond. He also handles 401k plans for small and large companies, offering various investment platforms to regional banks and credit unions. He approaches investments and their markets both technically and fundamentally, and tailors his advice to each client's unique needs and goals.
Bill is a member of the Fidelity Advisor Council and holds multiple licenses and certifications in the financial industry. He is a 9-time winner of the Five Star Wealth Manager in Ohio Award as issued by Five Star Professional.
Spenser Vago
Financial Advisor
Spenser began his professional journey as a bank branch manager, where he discovered a growing need among his clients for clear, trustworthy financial guidance. Driven by a desire to make a greater impact, he founded Vago Insurance Agency in 1997. Since then, he has guided over a thousand clients through the complexities of Medicare, the Affordable Care Act, short-term coverage, and group benefits—always with a focus on education, integrity, and personalized service.
Today, Spenser is expanding his commitment to serving his clients’ whole health—not only their physical well-being through quality insurance solutions, but also their financial health and long-term wealth. Through Smooth Financial, Spenser now offers comprehensive investment and financial planning services designed to help clients protect what matters most and build a secure future.
Steve Frohwerk
Marketing & Office Administrator
Steve Frohwerk is an experienced, dynamic, and engaging marketing and communications professional with experience in event planning and management, public relations, community relations, fundraising, and account management. He holds a dual-degree Masters with leadership skills through strategic business planning, budgeting and forecasting, operations, and staff management, having worked in both the for-profit and nonprofit sectors. He enjoys being outdoors and following his children in their academic and athletic pursuits.
THE SMOOTH PROCESS
Introducing the Smooth Process
The Smooth Process "FULL PLAN" entails four meetings and occurs over a 60 to 90 day time period.
STEP ONE
We meet for 60 minutes to discuss your overall goals and life situation and answer any questions you may have.
STEP TWO
You input your financial data into RightCapital, our financial planning system. We run an analysis on the data and formulate an initial plan.
STEP THREE
We meet for 60 minutes to discuss the first draft of the financial plan. We answer any questions you have.
STEP FOUR
We incorporate changes from our meeting and create the detailed plan.
STEP FIVE
We meet for 60 minutes and discuss any questions you may have.
STEP SIX
A client can also engage me to perform specific financial planning projects such as Roth conversion strategies, Social Security claiming analyses, home purchase coaching, assistance with selection of employee benefits, and other personal finance needs (the Targeted Plan). Also, a client can engage me for the Single Session for up to 1 ½ hours.
You can set up an initial no-cost consultation with me to discuss what your concerns and goals are and to determine my services are suitable for you.
