Kevin Smith on Fiduciary Planning and Client Education

Kevin M. Smith, founder of KMS Safe Money Solutions, shares how his fiduciary, education-driven approach helps clients reduce taxes, plan for healthcare, and retire with confidence. In this exclusive Spotlight Series interview, Kevin explains why ethics, ongoing education, and personalized planning are the foundation of a successful retirement.

In this Spotlight Series interview, Brent Meyer, Founder of SafeMoney.com, speaks with Kevin M. Smith, founder of KMS SafeMoney Solutions, about his fiduciary, education-first approach to retirement planning. With a deep understanding of tax reduction, healthcare planning, and income protection, Kevin shares how he helps clients retire with confidence and clarity. Through ongoing education, ethical guidance, and truly personalized strategies, Kevin empowers individuals to make informed decisions and protect their financial future—without pressure or confusion.

Brent Meyer: Kevin, let’s start with the big picture. What inspired you to start KMS Safe Money Solutions?

Kevin Smith: I’ve always believed that people deserve to understand their retirement options before making any big decisions. Too often, financial advice feels rushed, confusing, or product-driven. I started KMS SafeMoney Solutions to do things differently—to give clients real clarity, personalized strategies, and the confidence to make informed decisions that align with their goals.

Brent Meyer: What’s one of the biggest misconceptions you see people bring into retirement planning?

Kevin Smith: That retirement is mostly about investments. In reality, it’s about outcomes—having enough income, managing taxes, planning for healthcare, and being ready for life’s curveballs. Investments are part of the plan, but without proper tax strategy and income protection, you could have great returns and still run into trouble. That’s why we take a holistic approach.

Brent Meyer: You talk a lot about taxes and healthcare being critical areas. Why do those get so much attention in your planning process?

Kevin Smith: Because they’re the two biggest threats to a retiree’s income. People often underestimate how much of their savings can disappear to taxes or unexpected medical expenses. We build personalized strategies to reduce exposure in both areas—so clients can keep more of their money and use it how they intended.

Brent Meyer: Ethics clearly matter to you. What does that look like in action for your firm?

Kevin Smith: For us, it’s simple: we never recommend something we wouldn’t recommend for ourselves. That’s our internal rule. We’re proud to operate with integrity and transparency, and we take a lot of pride in getting it right the first time. Clients place their trust in us—we honor that with honest conversations, clear strategies, and no sales pressure.

Brent Meyer: You’ve taught classes and spoken at professional events. How important is ongoing education to you?

Kevin Smith: It’s everything. I make it a point to stay current—reading, studying, renewing certifications, attending trainings. But I also teach, because I believe if you’re not staying ahead, you’re falling behind. The laws change, the products change, and if you’re not up to speed, you’re costing someone money. I’ve spoken at numerous FICPA events on long-term care and retirement strategies—it’s part of my commitment to doing things the right way.

Brent Meyer: What kind of questions should someone ask when choosing a financial advisor?

Kevin Smith: Ask how they’re compensated. Ask if they’re a fiduciary. Ask what continuing education they’ve done lately. But most importantly—ask yourself if they’re teaching you or selling you. If you walk away from a conversation feeling more confident, more informed, and more in control—that’s the right advisor.

Brent Meyer: What does a truly effective retirement plan look like to you?

Kevin Smith: It’s a plan that reduces risk, protects income, limits taxes, and gives the client freedom. It’s not about chasing returns—it’s about creating predictability and peace of mind. Whether it’s asset repositioning, income planning, or long-term care preparation, everything we do is designed to serve the client’s bigger picture.

Brent Meyer: You’re clearly passionate about educating your clients. Why does that matter so much to you?

Kevin Smith: Because informed people make empowered decisions. Too many folks feel overwhelmed or intimidated by financial jargon. We believe in breaking things down, answering every question, and making sure our clients truly understand their options. That kind of education builds confidence—and confident people don’t make costly mistakes.

Brent Meyer: What’s your ultimate goal as a financial advisor?

Kevin Smith: Two things: First, to help as many people as possible retire securely and enjoy the life they’ve worked for. Second, to leave a ripple effect of financial confidence—where people feel empowered to ask better questions, make smarter decisions, and pass on a legacy to those they care about. If we do that, we’ve done our job.

Final Thoughts

Brent Meyer: Kevin, any final advice for those approaching or already in retirement?

Kevin Smith: Absolutely. Don’t leave your future to chance—retirement is too important for guesswork. Surround yourself with an advisor who takes the time to educate you, listens to your concerns, and helps you make decisions with clarity and confidence. A secure retirement starts with a plan that’s built around you—your goals, your values, and your peace of mind.

About Kevin M. Smith

Kevin M. Smith is the founder of KMS Safe Money Solutions, based in Florida. As an independent fiduciary, Kevin brings years of experience helping individuals navigate retirement with clarity and confidence. He specializes in tax-efficient income planning, healthcare cost reduction strategies, and client-focused financial education. Known for his ethical standards, personalized approach, and commitment to staying ahead of industry changes, Kevin empowers clients to make informed decisions and retire with lasting peace of mind.

Thank you for joining us—and stay tuned as we continue to spotlight more outstanding financial professionals across the country.

The content provided is for general educational purposes only and should not be considered financial, investment, legal, or tax advice. SafeMoney.com is not affiliated with, does not endorse, and assumes no responsibility or liability for the actions, advice, or services of any third-party financial professional, company, or organization featured in this content. SafeMoney.com is not a licensed financial advisory firm and does not offer individualized financial planning, investment recommendations, or insurance product guidance. Viewers are strongly encouraged to consult with a licensed and qualified financial professional before making any financial decisions. Any financial strategies discussed may not be appropriate for all individuals and are subject to the terms, conditions, and claims-paying ability of the issuing insurance company or financial institution.