Background & Philosophy


Troy has been working with individuals and families around the country for many years and has extensive professional experience helping both new and seasoned investors. He works closely with clients to assist them in assessing their individual financial goals and encourages their active participation in the management of their finances. Troy is dedicated to developing lasting relationships with all of his clients through a combination of trust and open communication.

Prior to establishing an independent investment practice with Momentum Independent Network, Troy was a Financial Consultant with Charles Schwab and a Retirement Investment Specialist with Fidelity Investments. The desire to establish deeper, more long-term relationships with clients led him to Momentum Independent Network (previously known as SWS Financial Services), where he advises clients on financial and retirement planning strategies.

Originally from Salado, Troy and his wife, Lauren, are natives of central Texas with deep family roots in the area. Both remain active in the local community where Troy is a board trustee of the Salado Independent School District and a former board member of the Salado Education Foundation.

Troy is a Registered Representative, an Investment Adviser Representative, and is registered as an Agent in several states around the country. He holds his Series 7, 63, 66, Group 1 life and health insurance licenses. He is a member of the Financial Planning Association and graduated from the University of North Texas in Denton with a B.A. in Economics. When he isn't in the office, you can find him enjoying time with his family, reading or participating in Crossfit.


Troy L. Smith Financial uses a combination of active and passive (indexing) investment styles in client portfolios. Our belief is that it is best to access the most efficient asset classes through inexpensive index-based investments and to use active managers with solid, long-term track records to access less efficient sectors of the market or areas where we find value. We believe in a strategic approach to asset allocation and that investment discipline offers the best opportunity to achieve our clients long-term objectives.

Utilizing individual equities, ETFs, mutual funds and fixed income instruments, we can control diversification, risk and long-term performance expectations. Our investment strategies are implemented and executed for each individual investor. No two investors are the same and their portfolios shouldn't be either.

We look forward to using our experience to help you pursue your financial goals.