Broker Check

First Financial Group - Bethesda, MD

Call Us: (301) 907-9030


J. Michael Smith, CLTC

Vice President
7101 Wisconsin Avenue Suite 1200
Bethesda, MD 20814
(301) 907-9030 ext.1317
Contact J. Michael

J. Michael has extensive experience in small business start ups as well as large company contract negotiations. He has transitioned his experiences into helping individuals as well as businesses and families to protect today’s wealth or planning for future wealth.

First Financial Group has given J. Michael the tools to create a “holistic” look at your life and make sure you have the best plan possible for retirement. 

Areas of Focus:

  • Review of your Property and Casualty program, including the proper amount of Umbrella.1 
  • Wills and Trusts 3
  • Mortgage Review 2
  • Proper Business Structure for Maximum Savings (personal and corporate)
  • Disability Income Insurance Review and Recommendations
  • Life Insurance Review and Recommendations
  • Qualified Accounts Review
  • Annuities (and how they may help your retirement strategy)
  • Long Term Care
  • Retirement Distribution
  • Captive Insurance 
  • Business Investments (review and planning)

Business Strategies

Connecting the dots to protect and grow both your business and personal balance sheets.

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Personal Strategies

Life is unpredictable. You need a strategy that builds and protects, no matter what happens.

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Financial and Emotional Quiz

Take our Financial & Emotional Confidence Quiz to find out how confident you are today and prepare for tomorrow.

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Financial Balance from the Living Balance Sheet

See how The Living Balance Sheet® can help you tell financial fact from fiction,
so you can achieve financial balance and accomplish your goals.

Contact J. Michael

Registered Representative of Park Avenue Securities LLC (PAS), 7101 Wisconsin Ave Ste 1200, Bethesda, MD 20814 301-907-9030.Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly-owned subsidiary of Guardian. First Financial Group is not an affiliate or subsidiary of PAS or Guardian. The Living Balance Sheet® and The Living Balance Sheet® Logo are service marks of The Guardian Life Insurance Company of America® (Guardian), New York, NY. © Copyright 2005-2019 Guardian.

1. Neither Guardian nor its subsidiaries issue Property and Casualty or Umbrella insurance. 2. Guardian and its subsidiaries do not issue or advise with regard to mortgages 3. Guardian, its subsidiaries, agents, and employees do not give tax, legal, or accounting advice or, aside from providing general informational material, offer guidance on the establishment or use of captive insurance companies. Clients should consult with their own tax and legal advisers with respect to establishing and structuring captive insurance companies. Guardian agents, representatives and employees are prohibited from receiving any compensation in connection with the establishment or structuring of captive insurance companies, including referral fees for referring clients to tax, legal or other advisers, or compensation for providing general information.