David Smith, CDFA®, CQS™, ChFC®, CASL®, D.M.D, Ret LtCol, USAF
Military Divorce Financial Specialist
Certified Divorce Financial Analyst®
Master Analyst in Financial Forensics®
Certified QDRO Specialist™
Collaboratively Trained Financial Professional
Florida Supreme Court Certified Family Mediator (# 36444F)
Sand Oak Divorce Solutions, LLC
Divorce Financial Planning and Consulting Services
Panama City, Florida
(850) 252-6325
[email protected]
www.SandOakDivorceSolutions.com
www.facebook.com/SandOakDivorceSolutions/
www.linkedin.com/in/davidsmithcdfa
Education and Professional Designations:
Troy State University, Troy, Alabama
Bachelor’s Degree (B.S. Cum Laude, Major - Biology and Minor - Chemistry), 1978
University of Alabama in Birmingham (UAB) School of Dentistry, Birmingham, Alabama - Air Force Health Professions Scholarship Program (HPSP) - one of four persons in US so awarded in 1976 - Doctor of Dental Medicine (D.M.D.), 1982
College for Financial Planning, Denver, Colorado
Certified Financial Planner (CFP®) Professional Education Program, 1998
CFP® Board of Standards, Denver, Colorado
Passed CFP® Certification Exam (no designation awarded due to military commitment), 1998
State of Florida 40-hour Pre-Licensing Course - Life, Health, & Variable Annuity License (2-15)
Panama City Association of Insurance and Financial Advisors, 2006
State of Florida, Department of Financial Services
Life, Health, & Variable Annuity License (2-15) Holder, 2006 - present
New York Stock Exchange / National Association of Securities Dealers Certification
General Securities Representative Examination (Series 7), 2006 - present
North American Securities Administrators Association
Uniformed Combined State Law Examination (Series 66), 2006 - present
The American College, Bryn Mawr, Pennsylvania
Chartered Financial Consultant (ChFC®) Designation, 2008 - present
Corporation for Long Term Care Certification, Inc., Durham, North Carolina
Certified Long-Term Care (CLTC) Designation, 2008 to 2019 (designation voluntarily not renewed)
The American College, Bryn Mawr, Pennsylvania
Chartered Advisor for Senior Living (CASL®) Designation, 2011 - present
Institute for Divorce Financial Analysts, Durham, North Carolina (organization originated in 1993)
Certified Divorce Financial Analyst® (CDFA®) Designation, April 2015 - present
Florida Supreme Court Certified Family Mediator (#36444 F),
July 2018 - present
National Association of Certified Valuators and Analysts® (www.NACVA.com), Salt Lake City, Utah
Master Analyst in Financial Forensics® (MAFF®) Designation,
November 2019 - November 2022 (designation voluntary not renewed)
American Association of Certified QDRO Professionals (AACQP), Washington, D.C.
Certified QDRO Specialist™ (CQS™) Designation, March 2020 - present
Employment and Business Ownership:
Sand Oak Divorce Solutions, LLC (Sole Owner), Panama City, Florida April 2015 - Present
Certified Divorce Financial Analyst® / Divorce Financial Planning Services
Sand Oak Financial Partners, LLC (Sole Owner), Panama City, Florida November 2012 - Present
Financial Organizer and Coordinator
Cambridge Investment Research Advisors Inc, Fairfield, Iowa
November 2012 - Present
Investment Advisor Representative and Registered Representative
(regulated by the SEC and FINRA)
MetLife Securities Inc, Panama City, Florida
March 2006 - November 2012
Investment Advisor Representative and Registered Representative
(regulated by the SEC and FINRA)
Metropolitan Life Insurance Co., Panama City, Florida
March 2006 - November 2012
Financial Sales Representative and Financial Advisor (state regulated)
Florida Department of Corrections
September 2002 - February 2006
Holmes Correctional Institution, Bonifay, Florida
Senior Dentist
United States Air Force (USAF)
July 1982 - July 2002
General Dental Officer
Business Experience:
17+ years of diverse experience in financial services to include financial planning, insurance, taxes, estate planning, retirement and college planning, and debt reduction
Additional training and credentialed to provide specialized financial analysis and advice to divorcing individuals and couples, their attorneys and / or mediators to structure equitable divorce settlements
Assisted individual clients and families in creating comprehensive planning, protection, investment, liquidity, and income strategies
Provided in-house advice and guidance, financial planning services, and workplace education to Bay Medical Center hospital employees for two and a half years
Self-employed owner of an independent financial services practice providing comprehensive financial planning services to individuals and families
Continuing Education (CE):
State of Florida, Department of Financial Services
CE hours requirement completed every 2 years for Life, Health, & Variable Annuity License (2-15) since 2006
MetLife Insurance Company
Advanced Markets Tax Institute, 2007
The American College, Bryn Mawr, Pennsylvania
Completed 30 hours CE requirement every 2 years for ChFC® designation-2008 up to Emeritus Status in 2017
Corporation for Long Term Care Certification, Inc., Durham, North Carolina
Met CE requirement every two years for CLTC designation from 2008-2019 (designation not renewed in 2019)
The American College, Bryn Mawr, Pennsylvania
Completed 15 hours CE requirement every 2 years for CASL® designation-2011 up to Emeritus Status in 2017
Institute for Divorce Financial Analysts, Durham, North Carolina
Met the required 30 hours of CE every two years requirement for the CDFA® designation since 2015
Nancy Hetrick, CDFA®, Phoenix, Arizona
Six-week CDFA® Mentorship Program (10 hours) completed June 2015, ongoing CDFA® training of two hours per month through July 2016
Family Law Software initial webinars (various), 2015 and 2016
Basic Introductory Interdisciplinary Collaborative Divorce Training (14 hours), Florida Collaborative Trainers, LLC, Panama City Beach, Florida July 2016
Association for Divorce Financial Planners (ADFP) National Conference (15 hours), Las Vegas, Nevada - October 2016
Florida Academy of Collaborative Professionals (FACP) Annual Conference (19 hours), Tampa, Florida - June 2017
Divorce Financial Planning / CDFA® Update with Nancy Hetrick, CDFA® (16 hours), Phoenix, Arizona - June 2017
Divorce Financial Planning / CDFA® Update with Nancy Hetrick, CDFA® (16 hours), Phoenix, Arizona - September 2017
Basic Interdisciplinary Collaborative Divorce Training - Refresher Training (17 hours), Tampa Bay Collaborative Trainers, Pensacola, Florida - November 2nd & 3rd, 2017
Advanced Collaborative Divorce Training (9 hours), Tampa Bay Collaborative Trainers, Pensacola, Florida - November 4th, 2017
Florida Family Mediation Certification, Initial Classroom Training (40 hours), Florida Mediation Training, Pensacola, Florida - February 21st- 25th, 2018
Divorce Financial Planning / CDFA® Update with Nancy Hetrick, CDFA™ (16 hours), Phoenix, Arizona - April 2018
National Association of Divorce Professionals (NADP) National Conference (13.5 hours), Ft. Lauderdale, FL - March 7th - 9th, 2019
Institute for Divorce Financial Analysts (IDFA) National Conference (20 hours), Nashville, TN - May 2019
“How to Provide Expert Witness Testimony” (1 hr), Rosemary Frank - IDFA Nat’l Conference - May 2019
Matrimonial Litigation Fundamentals / Forensic Accounting in Matrimonial Cases / Organizing Work and Reporting Findings / Valuation Issues in Matrimonial Engagements / Tax Considerations in Divorce (15 hrs total by webinar), Various Instructors - Consultants Training Institute (CTI) / NACVA (National Association of Certified Valuators and Analysts) - August 5th - 9th,
2019 Florida Dispute Resolution Center, 27th Annual ADR Conference (12.85 hours), Orlando, FL - August 15th - 17th, 2019
Foundations of Financial Forensics Live Workshop, Consultants Training Institute (CTI) / NACVA (National Association of Certified Valuators and Analysts®), Various Instructors (40 hours), New Orleans, LA - October 28th-November 2nd, 2019
Florida Dispute Resolution Center, Ethics for Family Mediators, Susan Marvin, Chief of ADR (4.2 hours), Panama City, FL - December 5th, 2019
Marital and Family Law Review Course, The Family Law Section of The Florida Bar & The American Academy of Matrimonial Lawyers Florida Chapter, (15 hours), Orlando, FL - January 31st-February 1st, 2020
Institute for Divorce Financial Analysts (IDFATM) National Conference (20 hours), October 2020
International Academy of Collaborative Professionals (IACP) Virtual Conference, October 2020
Florida Academy of Collaborative Professionals (FACP) Annual Conference ( 10 hours), June 2021
Institute for Divorce Financial Analysts (IDFATM) National Conference (Virtual), September 2021
International Academy of Collaborative Professionals (IACP) In Person Conference, October 2021
Florida Academy of Collaborative Professionals (FACP) In Person Annual Conference, June 2022.
Co-Presenter on "The Essentials of a Collaborative Military Divorce" Institute for Divorce Financial Analysts (IDFATM) National Conference (Virtual), September 2021
International Academy of Collaborative Professionals (IACP) In Person Conference, October 2022
Professional Memberships / Other:
Board Member - Beach Care Services (Local Non-Profit)
2014 - 2018
Member - Institute for Divorce Financial Analysts (IDFA)
April 2015 - present
Member - Bay County Chamber of Commerce
November 2017 - November 2022
Member - Bay County Chamber of Commerce Military Affairs Committee (MAC)
November 2017 - November 2022
Affiliate Member - Family Law Section of The Florida Bar
January 2019 - present
Member - National Association of Certified Valuator’s and Analysts® (NACVA®)
November 2019 - November 2022
Member - American Association of Certified QDRO Professionals (AACQP)
March 2020 - present
