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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 Simba. 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

Brooke McConahy   As a Financial Planning Assistant, Brooke provides financial planning assistance, client communications, meeting preparation and fulfilling client needs and requests. Brooke works alongside Dave and Michael to provide assistance in the many facets of financial planning. Brooke’s focus for small businesses and their employees is conducting the necessary research, coordination and preparation of meeting materials, and one on one meetings. Brooke completed her B.S. degree in business, majoring in financial management, from Wright State University. Brooke holds these licenses:

  • Ohio Life, Accident and Health Insurance
  • Series 7 (General Securities Representative) 
  • Series 66 (Uniform Combined State Law)

Outside of work, Brooke lives in Xenia with a cat named ‘Kitty’ and enjoys kayaking, hiking, and camping.


Daniel Griffith   As a Registered Assistant, Daniel facilitates and responds to client communications, he assists with meeting preparation, and he helps respond to client requests. Daniel works alongside Dave and Michael to provide assistance in the many facets of their business. Daniel’s focus for small businesses and their employees is conducting the necessary research, coordination and preparation of meeting materials, and one on one meetings. Daniel completed his B.S. degree in financial services from Wright State University. Daniel holds not only securities registrations, but also his life, health, and accident insurance license with the the state of Ohio.  

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



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.
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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