Todd Smurl

Background

About Todd Smurl

As a CFA charterholder and Partner at Integrity Financial Planning, I serve as the CIO for our clients' most complex portfolios.Our partnership model at Integrity is built on a clear "Expert Duo," designed to provide maximum value and trust for our CPA partners. My partner, Ryan Firth, CPA/PFS, leads the initial peer-to-peer strategy. As a fellow CPA, he works with you to build the advanced tax, estate, and life planning strategies outlined in the CPA Survival Guide.My role begins when it's time to execute.I am responsible for the rigorous investment strategy, detailed market analysis, and disciplined, day-to-day management of client portfolios. Whether it's building a portfolio to fund a Grantor Retained Annuity Trust (GRAT), managing "qualified replacement property" for an ESOP (Section 1042) sale, or constructing a tax-efficient investment mix to complement a micro-captive, my focus is on bringing the high-level strategy to life with precision.For our CPA partners, this structure offers a seamless, high-trust solution for your most crucial business owner clients. You get the best of both worlds:A CPA-Strategist (Ryan): A peer who speaks your language on advanced tax and structural planning.A CFA-Implementer (Todd): A dedicated investment expert focused on technical execution and portfolio management.This makes sure that the sophisticated plan we build together is implemented with the diligence and expertise your clients deserve.My core areas of expertise include:• Advanced Portfolio Management• Tax-Efficient Investment Strategies• Asset Allocation & Risk Management• Market & Economic Analysis• Implementation of Complex Wealth & Estate Plans