We provide individuals and business owners with extensive financial planning, wealth management, and exit planning strategies. We provide successful individuals with financial planning services such as: Investment Planning, Retirement Planning, Education Funding, and Insurance Planning. We also work with business owners who want to actively plan for a financially successful exit from their business. We use a systematic approach to take control of the succession planning process in order to maximize the value those owners receive when they decide to sell or transfer their businesses. We integrate personal financial goals and work to minimize tax liability. Paul E. Honeycutt, CFP® Practitioner, and Ronald F. Smith, CLU, ChFC are Registered Representatives and Investment Adviser Representatives with/and offering securities and advisory services through Commonwealth Financial Network, member www.FINRA.org/www.SIPC.org, a Registered Investment Adviser, CA Insurance License No. 0728831, 0688599. They also offer advisory services as Investment Adviser Representatives of H.S. Financial, Inc, a Registered Investment Advisor in the state of CA. This communication is strictly intended for individuals residing in the State of CA. No offers may be made or accepted from any resident outside these states due to various state requirements and registration requirements regarding investment products and services. Please review our Terms of Use: www.commonwealth.com/termsofuse.html.