FAQ

Are you a fiduciary and will you act in my best interest?

Yes. Venture Stone Wealth Management is a fiduciary firm—which means every recommendation we make is required to be in your best interest. Our advice is independent, objective, and always aligned with your goals.

How are you compensated?

We are a fee-only advisory firm. That means no commissions, no product sales, and no hidden agendas. Our compensation is fully transparent, so you can be confident our guidance is designed solely around what’s best for you.

What qualifications and experience do you have, especially with clients like me?

Our founder, CJ Smith, CFP®, CDFA®, specializes in working with high-net-worth women, individuals and families—including pilots, executives, attorneys, engineers, and entrepreneurs. With expertise in investment management, estate and tax strategy, and divorce financial planning, we understand the complexities of both wealth and life transitions.

What is your investment philosophy, and how do you handle market downturns?

We take an evidence-based, disciplined approach to investing. Your portfolio is designed for long-term growth while managing risk and taxes. During volatile markets, we focus on protecting wealth, staying diversified, and keeping your plan aligned with your life goals.

How do you coordinate with other professionals like attorneys or CPAs?

We act as the captain of your financial team. By collaborating with your tax professionals, estate attorneys, and other advisors, we ensure your wealth plan is fully integrated and working seamlessly across every area of your life.

What does your fee structure look like for complex situations like mine?

Our fees are based on the complexity of your needs and the level of service required. Whether you need comprehensive wealth management or specialized guidance in areas like divorce financial planning, our pricing is transparent, fair, and clearly explained up front.

Who holds custody of my assets?

Your investments are held with trusted, independent custodians like Charles Schwab. You always maintain ownership and control of your accounts, while we provide the guidance and strategy to manage them effectively.

Do you have a process for managing wealth?

Yes. Our Strategic Planning for Complex Lives framework provides a step-by-step approach:

• Discovery – uncover your values, goals, and priorities.
  
• Planning – build a tailored strategy across investments, tax, estate, and risk.
  
• Ongoing Guidance – monitor progress and adapt as life evolves.

How do you protect my personal and financial information?

We use best-in-class cybersecurity standards, secure encryption, and privacy safeguards to protect your financial information at every step. Your data security and confidentiality are a top priority.

Who will I be working with, and what happens if my needs change?

You’ll work directly with CJ Smith, CFP®, CDFA®, supported by a trusted network of specialists. As your life changes—whether through career transitions, inheritance, divorce, or retirement—we adapt your plan so your wealth continues working for you.