About
Ronda Smith & Associates
Leading you towards financial freedom
My mission is to help my clients achieve financial security through informed decision making.
I create customized financial & retirement plans for individuals, families & businesses. The cornerstone of my business is the personal level of service I offer every client. I work with each client as if they were my own family & strive to build lasting relationships built on trust & superior customer service.
Ronda Smith & Associates
Meet The Founder
Ronda Smith
Financial Advisor
I hold securities registrations 7, 63, and 65, and I graduated Summa Cum Laude from Montana State University in just two and a half years, receiving a Bachelor of Science in Finance. Outside of the office, I enjoy spending time with my family and dogs and boating in the summertime. With a passion for real estate, I also enjoy flipping houses.
I have always been interested in the world of finances but it wasn’t until college that I discovered how empowering financial knowledge can be. Without sufficient knowledge of the financial industry, managing personal finances can be daunting for the average person. By understanding your finances and opportunities, I believe you can make informed decisions and feel confident with and in control of your financial future.
Since graduating from college and entering the financial services industry more than 25 years ago, I have dedicated my career to helping individuals, families, and business owners take control of their finances and create solutions for their wealth, health, and life. I combine my service-oriented nature and passion for finance to help my clients pursue their financial goals.
Based in Billings, Montana, I work with clients in my local community, as well as across the state and in the Spokane, Washington area. Whether a client has significant assets to manage or is just starting to accumulate wealth, I have the resources and experience to provide the services that may fit clients’ needs. I invite you to reach out to me to discuss how I can help you develop a long term financial strategy.
Our Process
The Six Pillars of Your Financial Future
Six Fundamental Financial Planning Considerations
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
Learn More About
Our Financial Solutions
Income Planning
Through our retirement planning process, we will review your current income situation and show you your potential income in retirement. We will work with you to create a sustainable income strategy designed to support you throughout your lifetime. We’ll help you understand your Social Security options and maximize the benefits for your situation. If you have a pension, we will guide you through the options available and help you make the right choice. We’ll help prepare you for other considerations, such as the premature death of a spouse, inflation, or taxation.
Wealth Management
We will work with you to understand your risk tolerance while listening to you and understanding what your financial goals are. By being an Investment Advisor Representative that works through an independent Registered Investment Advisor, we are not tied in with a large “wire house” institution, which means we can offer a universe of funds and equities to create cost-efficient and high-quality portfolios. At Ronda Smith & Associates, we invest your funds in an institutional-style investment strategy.
Tax Planning
Taxes are one of the single largest expenses we have, yet we spend so little time considering ways we can keep Uncle Sam out of our pockets. At Ronda Smith & Associates, we take an integrated approach to financial planning, one that includes tax minimization strategies, and we have the right professionals to help. Every financial move you make has tax implications, so having a comprehensive retirement plan with tax-smart investment strategies is vital. Remember, it’s not only what you make but what you keep!
Health & Long-Term Care
Choosing the best Medicare Plan that fits your needs can be a challenging task. Long-term care planning can help financially protect you and your family from unexpected medical issues that may arise as you age. You have many options to choose from, and our senior health insurance specialists are available to help you make a confident decision about the plan options that may be best for you.
Legacy & Estate Planning
We believe the fastest way to erode away your life’s work is to not have an estate plan in place. An estate plan shelters your assets and provides for your family in the event you are no longer around to provide for them yourself. By working collaboratively with estate planning attorneys, we can help maximize the amount that your loved ones will inherit, help control how the money is to be given, and minimize the taxes that are paid.
Register For
Our Educational Events
UPCOMING EVENTS
Our educational events are designed to empower you towards taking the first step of your financial journey.
Register below to join us in finding the path to your optimal retirement.
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Events in July 2026
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Download Our Guides
Important Birthdays Over 50
What to Know and How to Prepare for These Important Milestones
Retirement comes with a timeline, and missing key milestones could mean missed benefits or surprise penalties. This guide walks you through important birthdays after 50, from catch-up contributions to Medicare and RMDs, so you can do more to stay ahead and make the most of opportunities. Retirement should be celebrating these birthdays, not regretting them.
Browse Our Blog
Target Date Funds: Understanding Their Pros and Cons
Target date funds (TDFs), also known as lifecycle or age-based funds, are mutual funds that automatically adjust their asset allocation over time, becoming more conservative as the investor’s selected retirement date approaches. The underlying principle of TDFs centers on an optimal risk-reward trade-off that accounts for an individual’s investment horizon. How TDFs work The operation of TDFs is rooted in a glide path, a formula that [...]
Trump Accounts: Building Wealth for the Next Generation
As a parent, you might be looking for ways to provide for your children’s long-term financial goals. You may [...]
How Home Sales Are Taxed: What Every Homeowner Should Know
Selling a home is a significant financial event, and understanding the tax implications can help homeowners protect their profit and [...]
Income Tax vs. Capital Gains Tax: What’s the Difference?
Understanding the difference between income tax and capital gains tax is a key part of smart financial planning. While both [...]
Financial Calculators
PLEASE NOTE: The information being provided is strictly as a courtesy. We make no representation as to the completeness or accuracy of information provided via these calculators. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, information and programs made available through the use of these calculators.
Contact Us
Our experience and expertise can help you customize a plan for retirement, evaluate your income needs throughout retirement, manage risk exposure, and consider strategies to leave a legacy for your loved ones. If you would like to schedule a complimentary, no-obligation consultation or second opinion review, please contact us today.
Office Location:
2101 Broadwater Avenue,
Suite 101,
Billings, MT 59102
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