About Robert Smith

As a longtime Thrivent member, I appreciate my role as a financial advisor. I understand how important planning for the future is to ensure one’s overall financial security. My passion for helping people be wise with money stems from the time I spent helping my aging parents make crucial financial decisions. It was during this time that I discovered how important it is to bring families together and establish a financial plan that takes into account the various needs we encounter as we age.

God has blessed me abundantly with a fantastic family that has been with me through the ups and downs in life. My wife and I have been married for more than 43 years. We have two married children and love spending time with our grandchildren. I understand the need to safeguard your family’s financial security throughout all stages of life because I had to walk through those important decisions for my own family.

I specialize in the following areas:

  • Long-term care planning (CLTC®)
  • Tax efficient legacy planning
  • Strategic retirement income planning (RICP®)
  • Generosity planning
  • Comprehensive planning and advice through Dedicated Planning Services

Robert Smith is a Dave Ramsey SmartVestor Pro and is honored to be part of their network of other financial professionals in my local area. The SmartVestor program connects consumers with financial professionals in their area. Not just anyone can be a SmartVestor Pro. To qualify, financial professionals must pass a vetting process and follow their code of conduct. SmartVestor Pros take a client-first mentality and treat you like a teammate, with a commitment to educating and empowering you.

Neither Dave Ramsey nor the SmartVestor program are affiliated with or endorsed by Thrivent. Views are theirs and not necessarily those of Thrivent or its affiliates.

Charities that we devote our time, treasure, and talents to:

  • Habitat for Humanity
  • Food For the Hungry
  • Jesus Water Wells – GTSSS - India
  • Hope For Kids – Sarasota, FL
  • Stephen's House
  • Compassion International
  • Prodigal Daughters-Sarasota, FL
  • Selah Freedom -Sarasota, FL
  • Turning Points- Bradenton, FL
  • Bring on the Ministry- Bradenton, FL

Education & Accomplishments

  • Long Term Care Florida State Certified
  • FL2-15 Life & Health Insurance Licenses.
  • FINRA Series 66 Uniform Combined State Law.
  • FINRA Series 7 General Securities Representative.
  • RICP Retirement Income Certified Professional
Agape Financial Associates

Agape Financial Associates


Team Practice

    David Cramer

    David Cramer

    In 2014 I joined Thrivent as a financial representative after retiring from 21 years of service in the United States Navy. I transitioned into a corporate training specialist position in 2016, where I provided training, support, and guidance for financial advisors across the state of Michigan. In 2018, I became a regional learning specialist covering the Southeastern United States. I focused on onboarding, training, and coaching new financial representatives to run successful practices. As rewarding as this work was, I missed the personal relationships I held with my clients. 


    It is truly my honor to join Agape Financial Associates. Not only is this a talented team of passionate service-driven financial professionals, but they are driven by a higher purpose at their core. We are truly honored that God gives us the opportunity to help people build dreams with a plan to achieve them. 

    States Licensed: FL, GA, SC, NC, IL, MI.


    Associate Representative


    Sarasota, FL