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120 White Plains Road, Suite 100, Tarrytown, NY 10591

914-524-9800
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Independent Advice | Personalized Planning | Lasting Relationships

Client Centered

Located in Tarrytown, NY, Sanders Smith is a boutique, independent advisory firm helping high-net-worth individuals, business owners, professionals, and retirees navigate complex financial decisions with clarity and confidence.

For over 30 years, clients have relied on us as their financial quarterback - coordinating investments, planning, and protection strategies across their entire financial lives so that every decision works together toward one clear vision.

Our Philosophy: Plan First. Invest Intelligently. Live Fully.

Client Centered

At Sanders Smith, we believe great financial advice begins with your plan — not a product.  Every relationship starts by understanding your life, your goals, and your values, then building a coordinated roadmap that connects every part of your financial world.

Our role is to bring clarity and coordination to the process - aligning investments, insurance, taxes, and estate planning so you can focus on living life with confidence.

Through our partnership with Osaic Wealth, one of the nation’s largest networks of independent advisors, we combine boutique-level attention with the scale, research, and institutional resources of a nationally recognized firm.

Founded in 1994 by Paul Smith and Steven Sanders, our firm was built on three timeless principles: integrity, independence, and personal relationships - values that continue to guide how we serve every client today.

A Complete Strategy for Growing, Protecting, and Preserving Wealth

At Sanders Smith, we act as your financial quarterback, integrating all aspects of your wealth - planning, investment management, and risk protection - into one cohesive strategy. Whether you’re building, preserving, or transferring wealth, our job is to make sure every decision supports the bigger picture.

Financial Planning

Using tools like RightCapital, we help you model your financial future and evaluate multiple planning scenarios.  Our planning process brings clarity and structure to the most important decisions in your life.

Planning areas include:

  • Retirement and cash flow projections
  • Estate planning coordination
  • College and education funding
  • Business owner and exit planning
  • Real-time account aggregation and a secure document vault

Investment Management

We design and manage portfolios tailored to your goals, risk tolerance, tax sensitivity, and time horizon.  As an independent firm, we have access to a broad investment universe and make recommendations based solely on what’s right for you.


Our capabilities include:

  • Custom portfolio construction
  • Direct Indexing & SMAs
  • Tax-loss harvesting and tax-aware investment strategies
  • Access to private markets (credit, equity, BDCs, interval funds, non-traded REITs)
  • Structured investments (market-linked CDs, notes)

Risk Management

Protecting your wealth is just as important as growing it.  We evaluate coverage needs and design protection strategies tailored to your family, your business, and your legacy goals.

  • Life, Disability, and Long-Term Care insurance
  • Key person coverage and business continuity strategies
  • Fixed and variable annuities
  • Coordination of property & casualty coverage (home, auto, umbrella)

Our Process: Clarity. Collaboration. Confidence.

At Sanders Smith, we take a holistic, 360° approach to financial planning.  Our process is designed to bring structure, clarity, and confidence to every decision you make. Using tools like RightCapital and Nitrogen Wealth, we help you visualize your financial future, explore “what-if” scenarios, and develop a living roadmap that evolves as your life changes.

Acting as your quarterback and coordinator, we help ensure that your investment strategy, tax planning, estate considerations, and protection strategies all work in alignment.

Here’s how we do it:

1. Organize:
We start by reviewing your current financial landscape - accounts, insurance, real estate, estate documents - to create a clear foundation.

2. Discover:
We focus on your goals, values, and what financial success looks like in your eyes - whether that’s early retirement, a business exit, or legacy planning.

3. Analyze & Align:
We evaluate your entire financial structure - cash flow, investments, risk coverage, taxes, and estate planning - to identify gaps and opportunities.

4. Design & Collaborate:
We present personalized recommendations with visual projections, so you can see the impact of each decision.  We coordinate with your CPA, attorney, or other professionals to ensure full alignment.

5. Activate:
We implement your plan - executing investments, tax strategies, and protection measures thoughtfully and efficiently.

6. Monitor & Adjust:
Life changes and markets evolve.  We provide ongoing reviews and proactive adjustments to keep your strategy on track.


Your financial plan isn’t static—and neither are we.
Our role is to help you adapt, refine, and stay aligned with what matters most.

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