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David A. Smith, CFP®, MSFS, AIF® David A. Smith, CFP®, MSFS, AIF®
For 28+ years, Dave has specialized in comprehensive financial planning with an innovative thought process and is committed to providing his clients with practical, principled and personalized financial strategies necessary to help achieve their goals. Dave's experience and education enables him to recommend appropriate strategies to help individuals and businesses fulfill their financial goals and objectives. As an independent advisor and business owner, Dave also understands the small business owner, the challenges they face and opportunities that may be over looked.

Dave holds a B.S. in Business (financial services) from Wright State University and an M.S. in Financial Services (MSFS) from The American College. Dave is also a CERTIFIED FINANCIAL PLANNER™ professional, an Accredited Investment Fiduciary (AIF®) and a proud member of the Financial Planning Association (FPA) for 25 years. 
Registered and conducting business with clients in 27 states, Dave holds Life, Accident & Health, and Annuity licenses and these registrations:
  • Series 7 (General Securities Representative)
  • Series 24 (General Securities Principal)
  • Series 51 (Municipal Fund Securities Principal)
  • Series 63 (Uniform Securities Agent State Law)
  • Series 65 (Uniform Investment Adviser Law)
Dave lives in Beavercreek with his wife Nancy and their black lab Conner. Their two grown children live nearby and often enjoy Sunday family dinners together. Dave enjoys golfing, traveling, fishing and reading lots of finance-related material.

Dave can be reached at the Beavercreek office, 937.431.8010 or via email, davesmith@fscadvisor.com


Forest W Moses, CFP®
Since 1984, Forest has been working in the financial services industry. Specializing in managing investment portfolios; preparing retirement, financial and estate plans; and managing retirement plans for small businesses, Forest creates custom programs since no two clients or businesses are the same. In addition, Forest assists employees with enrollment investment changes and withdrawals.

Forest holds a B.S. in Business (finance) from Wright State University, is a CERTIFIED FINANCIAL PLANNERTM professional and a member of the Financial Planning Association (FPA). Today he does business with clients in 24 states and holds Life, Accident & Health, and  Annuity licenses plus these registrations:
  • Series 6 (Investment Company Products/Variable Contracts Limited Representative)
  • Series 7 (General Securities Representative)
  • Series 22 (Direct Participation Programs Representative)
  • Series 24 (General Securities Principal)
  • Series 53 (Municipal Securities Principal)
  • Series 63 (Uniform Securities Agent State Law)

Forest can be reached at the Vandalia office, 937.898.5599 or fmoses@sgmllc.net

 

Michael A. Cozad, CFP®, MSFS
Michael is a Financial Planner specializing in comprehensive financial planning and is committed to providing his clients with the practical and unbiased financial strategies necessary to help achieve their goals. Michael holds a B.S. in Business (financial services) from Wright State University and an M.S. in Financial Services from the Institute of Business & Finance. Michael is also a CERTIFIED FINANCIAL PLANNER™ professional and a proud member of the Financial Planning Association (FPA).
Michael holds these securities registrations:
  • Series 7 (General Securities Representative) 
  • Series 66 (Uniform Combined State Law)
  • Ohio Life, Accident and Health Insurance

Michael lives in Vandalia with his wife, Elizabeth, and their Parson Russell Terrier, Lexi. He is known to be seen out and about running or taking long walks. Just look for the Cleveland Indians hat.

Michael can be reached at the Beavercreek office, 937.431.8010 or via email, michaelcozad@fscadvisor.com



Beavercreek Support Team

Riya Vira   As a SMC paraplanner, Riya provides financial planning assistance, client communications, meeting preparation and fulfilling client needs and requests.  Riya’s focus for small businesses and their employees is conducting the necessary research and compliance aspects, coordination and preparation of meeting materials, and one on one meetings. Riya works alongside Dave and Michael to provide assistance in the many facets of financial planning. Riya completed her B.S. degree in business, majoring in accounting, from Wright State University. 

In her spare time, Riya enjoys staying active by running and playing tennis. She also loves trying new restaurants and spending time with family and friends.

Riya Vira is not registered with FSC.
Megan Cyrus has worked at SMC for over 10 years. As the Beavercreek Client Services Coordinator, Megan is the first point of contact for daily servicing of clients while ensuring their service expectations are met. This includes establishing and maintaining accounts, client files and paperwork. Megan also serves as a point person for service-related questions.

Megan married the love of her life, Mason.  They enjoy their family time together with their two active children going to baseball games, fishing and boating.

Megan Cyrus is not registered with FSC.
2017 Wright State University Interns

Daniel Griffith is a senior financial services student in the Raj Soin College of Business at Wright State University. Working as an intern at SMC, Daniel has a wide range of responsibilities from client meeting preparation to conducting research on various aspects of financial planning to general administrative duties.

Daniel is happily married to his high school sweetheart, Kayley, and stays active by playing various sports and visiting the gym. 

Daniel Griffith is not registered with FSC.

Brooke McConahy is a senior financial management student in the Raj Coin College of Business at Wright State University. Working as an intern at SMC, Brooke has a wide range of responsibilities from client meeting preparation to conducting research on various aspects of financial planning to general administrative duties.

Brooke lives in Fairborn with a miniature dachshund and enjoys kayaking, hiking, and camping.

Brooke McConahy is not registered with FSC.

Vandalia Support Team

Jenny Carter has been working in financial planning since 1994 and at SMC since 2000. As the Vandalia Client Services Coordinator, Jenny is the first point of contact for daily serving of clients' needs and while ensuring their service expectations are met. This includes establishing and maintaining accounts, paperwork, client files and followup. Jenny also serves as a point person for service-related questions.  

Jenny Carter is not registered with FSC.
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 Securities, insurance products, and investment advisory services offered through FSC Securities Corporation, member FINRA/SIPC. Additional insurance services offered through SGM Agency, LLC. Smith, Moses & Company, LLC and SGM Agency LLC are not affiliated with FSC Securities Corp.



This communication is strictly intended for individuals residing in the state(s) of AZ, CA, CO, CT, FL, GA, ID, IL, IN, KY, MA, MI, MO, NH, NY, NC, OH, SC, TN, TX, VA, WA and WV. No offers may be made or accepted from any resident outside the specific states referenced.
 


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