---
title: "Philip Smith | Financial Advisors"
description: "Philip Smith at Salient Wealth Planning in Encinitas, 92024. As the Founder, Managing Director, and Financial Advisor at Salient Wealth Planning, my…"
url: https://financialadvisors.com/advisors/philip-smith-8/
---

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# Philip Smith

Salient Wealth Planning

Financial Advisor

Certified Financial Planner (CFP) Chartered Financial Consultant (ChFC) Master of Science in Financial Services (MSFS)

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## About

As the Founder, Managing Director, and Financial Advisor at Salient Wealth Planning, my primary responsibilities revolve around advising clients and overseeing the business operations of our firm. My specialization lies in helping clients navigate the critical transition from working life to retirement, ensuring they are well-prepared for the many decisions that arise during this period. From cash flow and taxes to investments, Social Security, pension decisions, and estate planning, we provide comprehensive support to make this transition as smooth as possible.

I have been immersed in the financial services industry since 2000. Salient Wealth Planning was originally a financial advisory practice through Ameriprise Financial, but in 2023, we took the exciting step of becoming an independent Registered Investment Advisor (RIA) practice. Throughout my career, I've earned several important designations and certifications, including the Certified Financial Planner™ (CFP®), Retirement Income Certified Professional® (RICP®), Master of Science in Financial Services (MSFS), and Chartered Financial Consultant® (ChFC®).

My educational background includes a degree in Business Administration with a concentration in Finance from PLNU and a Masters of Financial Services through the American College. I am driven by a passion for helping clients simplify the complexities of their finances, empowering them to reach their goals and enjoy a fulfilling retirement. I take great satisfaction in making the complex simple and assisting clients in getting organized. The greatest value I can provide is helping clients find confidence in their financial decisions and alleviating the burden of financial complexities.

Born in San Diego, I now reside in Carlsbad, CA with my wonderful wife and our three children. In my free time, I cherish moments spent with family, whether it's enjoying a BBQ, surfing the local waves, hiking, or mountain biking. These activities not only keep me active but also provide a perfect balance to my professional life, allowing me to recharge and stay inspired.

Investment Philosophy

We design an investment strategy aligned with your goals, risk tolerance, and time horizon. Emphasis is placed on creating sustainable income streams, reducing risk as retirement approaches, and balancing growth with stability. Tax efficiency and cost control are prioritized to help your money work harder for you.

## Firm Information

![Salient Wealth Planning logo](https://financialadvisors.com/_emdash/api/media/file/4a4a29c064a34005be776fc8c15b30ea.jpg)

Firm Salient Wealth Planning

Location Encinitas, 92024, United States

Position Chief Compliance Officer

Agency Type RIA

Firm CRD# 327885

About Firm

At Salient Wealth Planning, we understand that many of our clients are focused on enjoying their retirement years without financial stress. We are committed to helping alleviate your concerns and assist you in reaching all of your financial goals. Explore our comprehensive range of services designed to support you through every stage of your financial journey.

Firm Location

## Professional Details

Advisor CRD# 4231653

Fiduciary Yes — acts in your best interest

Compensation Fee-Based • Fixed Fee

Designations

Certified Financial Planner (CFP) Chartered Financial Consultant (ChFC) Master of Science in Financial Services (MSFS)

Licenses

Series 7 Series 66

## Investment Information

SEC Form ADV [View Form ADV →](https://financialadvisors.com/_emdash/api/media/file/17b820af89fd4ab6833bf679ec92403c.pdf)

Form CRS [View Form CRS →](https://financialadvisors.com/_emdash/api/media/file/c5d54342865549248bc2c2ebcbbe1a64.pdf)

Investment Products

Mutual Funds ETFs Stocks & Bonds Alternative Investments Municipal Bonds Annuities REITs 529 Plans

## Practice Focus

Specialties

- Wealth Management 16%

- Asset Allocation 7%

- Estate Planning 7%

- Financial Management 7%

- Financial Planning 7%

- Investment Counseling 7%

- Mutual Funds / ETFs 7%

- Other 42%

## About Me

Languages Spoken

English

### Contact Information

Email Advisor

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[(858) 768-0096](tel:8587680096)

Address 171 Saxony Rd #171

### Links

[Website](https://www.salientwealthplanning.com/) [SEC Form ADV](https://financialadvisors.com/_emdash/api/media/file/17b820af89fd4ab6833bf679ec92403c.pdf) [Form CRS](https://financialadvisors.com/_emdash/api/media/file/c5d54342865549248bc2c2ebcbbe1a64.pdf)

[BrokerCheck Profile](https://adviserinfo.sec.gov/individual/summary/4231653)

### Connect

[LinkedIn](https://www.linkedin.com/in/philipesmith) [Instagram](https://www.instagram.com/planwithphilip/) [YouTube](https://www.youtube.com/@planwithphilip)

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