RFG Advisory
43yrs
Top advisor by experience in Vestavia Hills
30yrs
Michael Smith has worked in the financial industry for 30 years and is a fiduciary financial advisor based in Vestavia Hills, Alabama. After six years at Kestra Advisory Services and two years at Kestra Investment Services, Michael joined RFG Advisory in 2022, a firm offering financial planning, investment management, and retirement plan consulting. Michael holds the CFP® designation.
One of 121 advisors with offices in Vestavia Hills, and one of 116 fiduciaries.
At a glance
Experience30 years (since 1996)
How that compares ?Top 11% by experience in Vestavia Hills
Office1400 Urban Center Drive Suite 475, Vestavia Hills, AL 35242
FirmRFG Advisory
How the firm is paid ?Percent of assets, Hourly, Flat fee
Typical client at the firm ?$295,694
Advisors at the firm188
States licensed ?1 state
Services through RFG Advisory
Financial planningInvestment management for individuals and small businessesManaging mutual fundsRetirement plan consultingChoosing other investment managersEducational seminars and workshops
Specialties, designations like CFP®, and languages spoken appear here when advisors claim their profiles.
Designations
CFP®
Licenses
Exams passed, from the official record. Tap a license to see what it allows.
Career
- 2022 – nowRFG Advisory, LLCCurrent firm
- 2016 – 2022Kestra Advisory Services, LLCPreviously
- 2014 – 2016Kestra Investment Services, LLCPreviously
Questions to ask Michael
Tailored to Michael’s registration and firm.
- What's your succession plan, and who would work with me if you retire?
- At a firm this size, will I work with you directly or with a service team?
- What does a financial plan with you include, and how often is it updated?
- If you use outside managers, how are they chosen and what do they cost on top of your fee?
- Where would my money be held, and will I get statements directly from that firm?
- What would I pay in total each year, in dollars, including fund and trading costs?
My notes and scorecard
Sign in to keep private notes, score your first meeting, and track this advisor alongside others.
About Michael
How do I contact Michael?
Call Michael’s local office at (205) 778-2020 or the RFG Advisory main office at (205) 397-2450, and ask for Michael Smith.
How long has Michael been a financial advisor?
Michael has been in the industry since 1996, about 30 years. Top 11% by experience in Vestavia Hills.
What licenses does Michael hold?
Series 63, Series 65. Tap any license on this page to see what it allows.
Is Michael a fiduciary?
Michael is registered as an investment advisor representative, which carries a fiduciary duty when giving investment advice.
How is Michael paid?
RFG Advisory reports being paid by a percentage of the assets they manage, hourly fees, flat or fixed fees. Ask Michael for your total yearly cost in dollars.
Official record as of October 3, 2026.
This profile is for information only and is not financial advice or a recommendation.
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