We believe high character is a key differentiator
High character is the most fundamental component of our team. We have a deeply ingrained understanding that hard work, collaboration, and discipline translate into success and integrity is central to purposeful and meaningful work. Committed, collaborative relationships result in a better process and a more positive outcome.
Founder of Smith Capital Investors
“I have come to believe that relationships and character are two of the most important components of our lives. Our relationships provide support, education, and guidance, while our character defines who we are and who we want to be. Together they set the foundation for a healthy and productive life.”
Portfolio Manager | Head of Securitized and Preferreds
“I believe there is no substitute for hard work. I enjoy spending my time, energy, and passion working with people willing to dedicate themselves to a common good. I am also a big believer in perspective. Everyone has his own, and a difference in perspective does not equate with one being right or wrong. It is always worth the effort to develop an understanding of someone’s perspective.”
Portfolio Manager | Co-Head of Credit Research
“In my experience, however fleeting or long-lasting, peace comes from the things or people in which we have placed our trust. When developing relationships there is very little one can do that is more important than developing trust.”
Portfolio Manager | Co-Head of Credit Research
“I believe that fulfillment in life comes from working hard every day to get a little better than you were the day before. With discipline, persistence, and love for the process, small daily gains can compound over time into incredible achievement.“
Head of Trading
“Each day is an opportunity to be an incrementally better version of yourself – be it through learning, teaching, experiencing or serving – and doing it with a like-minded team can only multiply its positive effect.”
Macro & Rates | Philanthropy Chair
“I believe that the single most important thing is being kind. I believe that the kindness and care we share with the world will multiply in positive ways beyond our imagination and therefore our primary role is to be kind, caring, and generous with our time, talents, and abilities.”
Credit Analyst | Risk Analyst | Trader
“Though the terrain, seasons and the destination may change along the journey to build something great, it is who you travel with that matters. Good people motivated by a shared goal and a commitment to serving each other can turn bold visions into reality.”
Credit Analyst | Trader
“I believe that wherever you are in life, opportunity comes through hard work, discipline, and perseverance. Happiness or ‘the dream’ is derived from the work itself – it’s not the destination, but the journey. Take the road less traveled, do it with great people, and find joy in the daily process.”
Credit Analyst l Macro & Rates Analyst
“I believe in the importance of deeper personal connection and passion in life. If you do what you love with the people you care for, there are no bounds to the amount of happiness and success that can be achieved.”
Credit Analyst
“The essence of life’s value resides in the relationships we cultivate with others. It is through these connections that we amplify the sense of fulfillment and success gained from overcoming challenges.”
Credit Analyst
“I believe that success and opportunity come to those who consistently give their best effort in everything they do. Dedication, perseverance, and a commitment to growth create the foundation for achievement, opening doors to new possibilities and paving the way for excellence.”
Chief Compliance Officer
“I believe in making each day a day that I can look back on and say I treated others with kindness, honesty, and sincerity while acting with integrity and courage.”
Head of Business Operations
“If you consistently operate from integrity, trust develops, you gain influence, and your life and career will flourish.”
Head of Investment Operations
“I believe in respect and working with people that more easily give it than command it. When there is mutual respect and admiration for one another, great things can be achieved.”
Lead Software Engineer | Portfolio Analytics
“When you combine deep-rooted passion, an attitude of hard work, and a touch of healthy competition, no goal is out of your reach.”
Head of Strategic Initiatives
“A solid team is how milestones are achieved and championships are won. I credit strong relationships with family, friends, teammates, and advisors as essential to continued growth and success.”
Software Engineer | Portfolio Analytics
“I believe that challenging oneself is the cornerstone of personal growth and development, as it pushes us beyond our comfort zones and fosters resilience. By embracing new experiences and overcoming obstacles, we continuously evolve and unlock our true potential.”
Operations Associate
“I believe in resilience and always getting back up when pushed down. By staying tough and true to your values, nobody can stop you.”
Financial Analyst
“Humility, hard work and objectivity have helped me achieve happiness, self-esteem, and understanding. I’ve never stopped learning and have strived to not only be a leader in my family, but also in my community and my workplace. I still wake up excited to get to work and make a difference. Let’s get it done!”
Deputy Chief Compliance Officer
“I believe in the power and value of self-discipline. In the long run, short-term sacrifice will be justified with greater long-term rewards.”
Co-Head of Business Development
“I joined Smith Capital because I wanted to be a part of something special. This is a group with a track record of tremendous past success. Those individuals came together as a team to perform a necessary service combining integrity and excellence.”
Co-Head of Business Development
“I believe we can create great outcomes with the right combination of shared values, aligned interests, and long-term perspective.”
Client Experience | Business Development
“I believe in rigorous work ethic, kindness, and humility. With this, and the necessary skills, most any task can be accomplished.”
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Gibson has more than 30 years of investment experience. He previously served as Chief Investment Officer, Fixed Income of Janus Henderson, formerly Janus Capital Group, a position he held from January 2006 through March 2016. In that position, Gibson was also a member of the Janus Executive Committee, sat on the Perkins Investment Management Board, and was a Portfolio Manager on Janus Fixed Income strategies.
As Chief Investment Officer, Gibson was responsible for Janus’ investment process within the firm’s fixed-income division and served as Portfolio Manager on most of Janus’ Fixed Income strategies and funds. He has been credited with building the firm’s fundamental fixed income business. Gibson joined Janus in 2001 after spending the first 10 years of his career at Morgan Stanley in Manhattan and San Francisco.
He is actively engaged with the University of Colorado at Boulder (’91 Economics). He sits on The Leeds School of Business Alumni and Friends Board. He previously served as President on the board of the Country Club of the Rockies and is currently on the Board of Colorado Golf Club.
Why did you join Smith Capital Investors?
“I founded Smith Capital Investors with three primary focuses – Investing, People, and Culture. Every decision we make, every action we take, and everything we aspire to do is centered around these three components of our firm. Wrapped around these three focuses is a desire to serve: our employees, our partners, our clients, and our community. I am a strong believer that bringing great people together with a relentless commitment to a strong values-based culture can have an incredible impact.”
Favorite book, quote, thought, inspiration, lesson:
“What lies behind us and what lies before us are tiny matters compared to what lies within us.” – Ralph Waldo Emerson
“Measure people by the size of their heart and their character; guide them with cold facts and a warm heart.” – Unknown
“Surround yourself with great people and you will be great. Be very conscious of the company you keep as they will reflect your character.” – Jane Ross Smith
Eric Bernum is a founding member of Smith Capital Investors and serves as a Portfolio Manager on all Smith Capital Investors strategies. Before joining, he served as Executive Director and Senior Portfolio Manager at J.P. Morgan Asset Management. In that position, Eric was a part of the portfolio management team, managing assets across various fixed income institutional portfolios and mutual funds.
Before his time at J.P. Morgan Asset Management, Eric was at Janus Henderson, formerly Janus Capital Group, in a multitude of roles across the trading, fundamental analysis, and portfolio management functions—culminating in Eric’s role as the Co-Head of Fixed Income Trading and Assistant Portfolio Manager. In these roles, Eric managed a global team of traders and contributed to portfolio management decisions across all major fixed income strategies ranging from Intermediate/Core, High Yield, Credit only, Money Markets, Limited Duration, and Liability Driven/Long Duration strategies. Eric was also active in asset raising, client servicing, as well as compliance/systems build out and function across the fixed income platform.
Eric earned his Bachelor of Science degree in Finance from Colorado State University, where he earned the Distinguished Scholar Award, and attended the University of South Australia. He earned the Chartered Financial Analyst (CFA) designation and is a member of the CFA Society of Colorado. He has more than 20 years of financial industry experience.
Eric earned the designation of Eagle Scout with Boy Scouts of America. With his family, Eric participates in several charities in the Denver metro area. He enjoys skiing and traveling the world with his family and has a special place in his heart for Central Ohio sports teams and their supporters.
Why did you join Smith Capital Investors?
“Smith Capital Investors gives me the chance to work with a small group of committed investors who share a common philosophy and outlook on life, character, and investing. I believe alignment of character across team members limits the distractions within the investing process. In addition, the intense focus on clients’ needs, limits on bureaucracy, cohesive teamwork and the nimbleness of the firm allows for a much more tailored and comprehensive client experience. I believe this is a unique environment in the broader asset management world for both investors and clients.”
Favorite book, quote, thought, inspiration, lesson:
“Sweep the sheds – Never be too big to do the small things that need to be done” – James Kerr, Principles from the New Zealand All Blacks national rugby union team
Jonathan Aal serves as a Portfolio Manager for the Credit Opportunities strategy and Co-Head of Credit Research at Smith Capital Investors, a role he has held since 2018. In this capacity, he leads credit research efforts while managing portfolios focused on optimizing returns in the credit space.
Before joining Smith Capital Investors, Jonathan was a Global Fixed Income Research Analyst at Janus Henderson (formerly Janus Capital Group). There, he specialized in identifying investment opportunities within the financial sector, analyzing both investment-grade and high-yield securities. Jonathan’s deep expertise in fixed income has been honed over more than a decade in the financial industry.
Prior to his career in finance, Jonathan served with distinction in the United States Military, which included multiple deployments to various regions around the globe. This experience has shaped his disciplined, strategic approach to investing.
Jonathan holds a Bachelor of Science in Business Administration, graduating with distinction, and concentrating in finance and accounting. Outside of his professional pursuits, he is passionate about investing, outdoor adventures, and cherishing time with his family. Jonathan is also a strong advocate for childhood adoption, dedicating his time to supporting causes that promote family and community well-being.
Why did you join Smith Capital Investors?
“Only so many times in life do we ever come across something that is truly unique—I believe Smith Capital Investors is one of these instances. Specifically, Smith Capital Investors, at its core, embodies a relentless client commitment—unique not in its words but in its actions.”
Favorite book, quote, thought, inspiration, lesson:
“When it comes to the internal combat waged within every man and woman it should go without saying that extraordinary character is not absent extraordinary actions, where such actions are not unknowing of adulterated provocation. Rather they are the product of persevering principles and beliefs that in and of themselves are scarred and marred but ultimately victorious. Put simply, extraordinary actions and therefore extraordinary character is fought for…every single day.”
Garrett Olson is a Portfolio Manager and Co-Head of Credit Research at Smith Capital Investors. Garrett has led the firm’s investment efforts in high yield bonds and leveraged loans since joining the team in April 2020. Prior to Smith Capital Investors, Garrett spent 9 years at Shenkman Capital Management where he most recently served as Vice President, Opportunistic Credit Analyst. In that position, Garrett was responsible for analyzing and executing stressed, distressed, and catalyst-driven credit investment opportunities.
Garrett earned a Bachelor of Science degree Summa Cum Laude in Business Administration from the Southern Methodist University Cox Business School and a Bachelor of Science degree Summa Cum Laude in economics from the Southern Methodist University Dedman College. He holds the Chartered Financial Analyst (CFA) designation. He has a passion for investing, skiing, golfing, reading, and traveling.
Why did you join Smith Capital Investors?
“I joined Smith Capital Investors due to its deep commitment to investing, people, and culture. I saw an opportunity to work with a talented, high-character team that emphasizes intellectual honesty, hard work, and continuous learning in order to better serve its clients.”
Favorite book, quote, thought, inspiration, lesson:
“We are what we repeatedly do. Excellence, then, is not an act, but a habit.” – Will Durrant
Zach Tucker is the Head of Trading at Smith Capital Investors, joining the team in 2018. With over 20 years of experience in the financial industry, Zach brings deep expertise in fixed income securities. He started his career at Citigroup and last served as a Director at Cantor Fitzgerald in New York, specializing in trading and market strategy.
Throughout his career, Zach has held desk analyst, trading, lending, and underwriting positions at top global banks and brokerages. He now leads SCI’s trading team to deliver best execution for clients while driving innovation in the firm’s investment strategies.
Zach earned a Bachelor of Science in Management Science & Engineering from Stanford University, with a concentration in financial & decision engineering. Outside work, he is committed to education and community service, contributing to organizations like the Young Americans Center for Financial Education, the Rose Community Foundation, and Colorado Academy.
Why did you join Smith Capital Investors?
“I found a great opportunity to join a team of experienced and principled investors at Smith Capital Investors. I was drawn to their strong background in fixed income markets and the team’s entrepreneurial mindset. Learning that Smith Capital Investors invests first in people, I knew I had found a home.”
Favorite book, quote, thought, inspiration, lesson:
“Do right and fear no man.” – English proverb
Lindsay Bernum is a founding member of Smith Capital Investors. She serves as Philanthropy Chair and is an experienced investor specializing in macro & rates analysis.
Before joining the firm, Lindsay was a Global Macro Analyst for the fixed-income team at Janus Henderson, formerly Janus Capital Group. As the leader of the macro team, she was responsible for combining top-down economic analysis with real-time, individual company data to produce macroeconomic forecasts across the U.S. and G7 economies. The forecasts were used for the portfolio construction process to help drive decision-making around sector exposure, overall portfolio duration, and curve positioning. This unique view of the global economic world, combined with bottom-up fundamental analysis, was an extremely powerful alpha generation tool.
Lindsay individually and as part of a team published monthly and quarterly thought-leadership commentary around her unique macro view, as well as special topics including rising rates, inflation, and demographics that were disseminated publicly across all major client distribution channels. She led monthly “Market Perspective” internal calls, providing fixed-income macro views as well as portfolio positioning for the sales, distribution, and marketing teams. Additionally, she was a frequent investment panel participant and contributed to marketing and asset growth.
Lindsay earned a Bachelor of Arts degree in Economics from the University of Colorado and has 19 years of financial industry experience. She is actively involved in her community, most recently serving on the Board of Directors at Hope House of Colorado, and enjoys traveling the world with her family.
Why did you join Smith Capital Investors?
“I joined Smith Capital Investors because there is no better way to channel my passion and energy than surrounding myself with a team of people with the highest character for a common good all while helping others.”
Favorite book, quote, thought, inspiration, lesson:
“Do things for people not because of who they are or what they do in return, but because of who you are.” – Mother Teresa
Will McCurdy is a Credit Analyst, Risk Analyst and Trader, focusing on credit analysis and enhancing analytics. He joined the team as an intern during his junior year at the University of Colorado at Boulder and assumed a full-time position with the firm in June 2019.
During his time at the University of Colorado, Will held a position at the Burridge Center for Finance at the Leeds School of Business, where he was part of a team that helped students gear up to find a job in finance. At the Burridge Center, he participated in planning and organizing company visits for students at financial service companies in New York, Chicago, Denver, and other cities across the country. Additionally, he interned at Wind Ridge Capital, where he assisted the managing director with deal sourcing in the private equity space, reaching out to develop relationships with new clients at private equity firms and family offices. Will’s experience includes software development, using Python, SQL, and VBA, as well as web development using HTML, CSS, and JavaScript code.
Will earned a Bachelor of Science degree in Business Administration from the University of Colorado at Boulder with a minor in computer science. Originally from Broomfield, Colorado, Will spends his free time golfing, playing basketball, skiing, hiking, and playing the acoustic guitar.
Why did you join Smith Capital Investors?
Working alongside a group of high character, experienced peers, whom I trust and learn from every day, has allowed me to launch the career I always envisioned for myself. A culture of hard work, continuous self-improvement, and a focus on building lasting relationships is what drives me on this journey to help build something truly great. The entrepreneurial spirit that drew me to Smith Capital Investors in the early days of the firm lives on today. We are constantly reflecting on, renewing, and refining our investment process – with technology as the driving force – to serve our clients the best we can, and participating in this daily is both a privilege and a joy.
Favorite book, quote, thought, inspiration, lesson:
“There is nothing noble in being superior to your fellow man; true nobility is being superior to your former self.”
-Ernest Hemingway
Bryan Owen is a Credit Analyst and Trader at Smith Capital Investors, where he has contributed to the firm’s success since transitioning into a full-time role in January 2020. He initially joined the team while completing his degree at the University of Colorado at Boulder. Bryan specializes in credit and economic analysis, applying his expertise to provide valuable insights that drive investment decisions.
He holds a Bachelor of Science degree in Business Administration, with minors in Economics and Mathematics, from the University of Colorado at Boulder. With a strong foundation in both financial analysis and quantitative skills, Bryan is dedicated to delivering high-quality analysis. Originally from Denver, Colorado, Bryan spends his free time following financial markets, playing ice hockey, skiing, golfing, playing tennis, and reading.
Why did you join Smith Capital Investors?
“It’s not too often that you can find yourself in an environment surrounded by great minds but more importantly, great people. I joined Smith Capital Investors because of the unique opportunity to surround myself with people of high character, that are always pushing the limits for improvement — both individually and with the business.”
Favorite book, quote, thought, inspiration, lesson:
“You were not born a winner, and you were not born a loser. You are what you make yourself to be.”
– Lou Holtz
“The impediment to action advances action. What stands in the way becomes the way.” – Marcus Aurelius
Books: The Dark Tower series, Thinking in Bets, Shoe Dog, The Dao of Capital, The Lessons of History
Markus Manly is a Credit Analyst and Macro & Rates Analyst at Smith Capital Investors. He joined the team as an intern while completing his degree at the University of Colorado at Boulder and assumed a full-time position with the firm in January 2023. Markus’ focus on the team is credit, valuation analysis, macro, and rates.
During his time at the University of Colorado, Markus served as an equity analyst on the student-led investment team under the Leeds Investment and Trading Group, which manages a portion of the school’s endowment. Additionally, he interned for a small M&A focused investment bank and served as the Vice President of his Fraternity.
Markus earned a Bachelor of Science degree in Business Administration from the University of Colorado at Boulder with a dual emphasis in finance and accounting as well as a certificate in quantitative finance. Originally from Centennial, Colorado, Markus spends his free time following financial markets, skiing, golfing, playing tennis, reading, and backpacking around the world. He also enjoys scuba diving.
Why did you join Smith Capital Investors?
“I was immediately drawn to the incredible sense of community and trust among everyone on the team. I knew that I would be surrounded by intelligent and hard-working people who would push me to become a better version of myself every day, both personally and professionally. It was a unique opportunity to join a family committed to investing excellence while upholding the highest levels of honor and integrity.”
Favorite book, quote, thought, inspiration, lesson.
“Opportunity is a haughty goddess who wastes no time with those who are unprepared.”
― George S. Clason
Jake Jones is a Credit Analyst at Smith Capital Investors. He joined the team as an intern while finishing up his degree at the University of Colorado and assumed a full-time position with the firm in June 2023. Jake’s focus on the team is credit and valuation analysis.
Prior to joining the Smith Capital Investors team, Jake completed several internships, including Middle Market Banking Intern at KeyBank, Investment Banking Intern at Quadriga Partners, and Business Development Intern at Envision Radiology. In addition, Jake served as an equity analyst on the student-led investment team under the Leeds Investment and Trading Group, which manages a portion of the school’s endowment.
Jake earned a Bachelor of Science degree in Business Administration with a dual emphasis in finance and accounting. Originally from Colorado Springs, Colorado, Jake spends his free time following the financial markets, reading, golfing, snowboarding, skiing, hiking 14ers, and spending time with his dog, Summit.
Why did you join Smith Capital Investors?
“Following the era of online school, I had a desire to join a tight-knit team, working together to achieve a common goal, yet centered around the relationships and people that make the goal worth striving for. At Smith Capital Investors, I get to apply my passion for investing in an environment that is redefining workplace culture with a people-centric atmosphere. This creates an opportunity for me to surround myself with individuals that propel me in the direction of excellence while encouraging me to express my own perspectives and ideas.”
Favorite book, quote, thought, inspiration, lesson.
“Trying never produces consistent results, training does.”
― Craig Groeschel
Mason Boh is a Credit Analyst at Smith Capital Investors, having joined the team January 2025. He specializes in credit valuation and analysis, leveraging his expertise to effectively support informed investment decisions and manage risk. With a strong analytical approach, Mason plays a key role in evaluating creditworthiness and providing insights that drive the firm’s investment strategies.
Prior to joining Smith Capital Investors, Mason held positions of increasing responsibility at B. Riley Securities. In his final position as an Investment Banking Associate, he developed sophisticated financial models for comprehensive valuation, financial, and transactional analysis, playing a crucial role in supporting the firm.
Mason earned a Bachelor of Science degree in Business Administration from the University of Colorado at Boulder with an emphasis in Actuarial Studies and Quantitative Finance. Originally from Colorado, Mason enjoys running, cycling, and spending time with family.
Why did you join Smith Capital Investors?
“I joined SCI to be part of a culture of excellence, surrounded by individuals whose character, investment acumen, and vision drive a shared pursuit of success. The firm’s dedication to service is both inspiring and motivating.”
Favorite book, quote, thought, inspiration, lesson:
“Why be normal when you can be the best” – Zlatan Ibrahimović
Roberta Tucker is a founding member and Chief Compliance Officer of Smith Capital Investors. With over 40 years of experience in fixed income portfolio management, Roberta has a proven track record of delivering strategic investment solutions for a diverse range of clients, including mutual funds, pension plans, insurance companies, and individuals.
Before joining Smith Capital Investors, Roberta was a Global Client Portfolio Manager at Janus Henderson, formerly Janus Capital Group, where she served as the primary liaison between the investment team and fixed income clients. In this role, she communicated market insights, portfolio positioning, and collaborated with clients to develop tailored investment strategies.
Throughout her career, Roberta has also built and led high-performing fixed income teams across multiple institutions. She is known for her expertise in educating both sales teams and clients on fixed income markets. Roberta has frequently contributed her insights to major publications such as the Wall Street Journal and Barron’s and has been a sought-after speaker at industry events.
Roberta earned a Bachelor of Science degree in Finance from Bemidji State University and is a member of the CFA Institute and the CFA Society of Colorado. She has also been actively involved in various volunteer roles, including her recent service on the Board of Trustees of the YMCA of Metropolitan Denver.
Why did you join Smith Capital Investors?
“I joined Smith Capital Investors because I wanted to be in an organization that provides meaningful work and would allow me to develop meaningful relationships with people of high character.”
Favorite book, quote, thought, inspiration, lesson:
“Vanity of vanities, says the Preacher, Vanity of vanities! All is vanity. What does man gain by all the toil at which he toils under the sun?” – Ecclesiastes
Kevin Branan is a founding member of Smith Capital Investors and serves as the Head of Business Operations. Before joining the team, Kevin spent over 20 years in the technology industry focusing on high-impact customer initiatives and utilizing the latest in technology to enhance the efficiency of an organization. He has experience in driving vision through and measuring success to support the delivery of new services.
As a Director of Business Development, Kevin has also worked with numerous Fortune 500 clients and small- to medium-sized businesses to create and execute numerous strategic sales growth models based on data and statistics and has worked with their sales and operations teams through adoption. Throughout his career, Kevin has focused on gaining process efficiencies through operational analysis procedures to solve quality problems and has been involved in multiple quality improvement projects.
Kevin earned his Bachelor of Science degree in Marketing from the University of Colorado at Boulder and spends his time traveling, hiking, and enjoying time with friends. He has a passion for food and wine.
Why did you join Smith Capital Investors?
“I joined Smith Capital Investors for the opportunity to work with a group of individuals focused on building a company that creates positive results for our clients.”
Favorite book, quote, thought, inspiration, lesson.
“We must have the courage to do what we know is morally right.”
– Ronald Reagan
Wade Clouse serves as Head of Investment Operations at Smith Capital Investors, a position he has held since August 2021. Before joining the firm, Wade served as Senior Vice President of Operations and was the Chief Compliance Officer for 361 Capital, a boutique asset manager. His responsibilities included oversight of the information technology department, fund and company operations, and overall firm compliance.
Wade has been in the financial services industry for several decades. He also worked at ALPS Fund Services and served in a variety of roles, including Vice President of alternative investments services, and was responsible for helping clients set up fund structures and overseeing the fund administration department of alternative investment funds. While at ALPS he held several board and officer positions across different mutual funds and oversaw and managed the daily operations for a variety of fund families. He was the primary point of contact between fund management and third-party service providers.
Wade earned a Bachelor of Science degree in Finance from the University of Colorado at Boulder and received his MBA with honors in Finance and Accounting from Regis University.
Why did you join Smith Capital Investors?
“I joined Smith Capital Investors to work, learn, and establish relationships with great people who have a passion for investing as well as supporting each other and a commitment to clients. I firmly believe in the three primary focuses of Smith Capital Investors which are Investing, People, and Culture.”
Favorite book, quote, thought, inspiration, lesson:
“Be less impressed and more involved.” – Mathew McConaughey
Why did you join Smith Capital Investors?
“Smith Capital Investors presented an amazing opportunity to work with passionate and talented individuals who collectively aspire to build a company that matters.”
Favorite book, quote, thought, inspiration, lesson.
“Make sure the thing you are working on is something you love.”
– Brad Feld
Carys Murphy is Head of Strategic Initiatives at Smith Capital Investors, where she leads business strategy and planning. Carys has a distinguished track record as an internal consultant in financial services.
Before joining Smith Capital Investors, Carys was instrumental in defining client and employee experiences, and executing growth and integration strategies that delivered results. At Charles Schwab, she was a leader in the integration office for the $26B acquisition and integration of TD Ameritrade with Schwab.
Carys holds a Master’s degree in Business Administration from the University of Colorado and a Bachelor’s degree in Business from Emory University.
Outside of work, Carys loves spending time being active and traveling with friends and family; including skiing, hiking, mountain biking, and playing squash.
Why did you join Smith Capital Investors?
“I joined Smith Capital Investors for the opportunity to work with smart, driven, and interesting people. I am excited to be part of a growing company that values integrity and relationships.”
Favorite book, quote, thought, inspiration, lesson:
“The cynics will tell you that the good you do today will be forgotten tomorrow. I say, do it anyway.” – Roberto Goizueta
Nate Palmer is a Software Engineer at Smith Capital Investors. He joined in June of 2024 after completing an additional Bachelor of Science in Computer Science at the University of Colorado, Boulder. Nate’s area of focus is developing software for improving efficiency.
Before joining Smith Capital Investors, Nate had attended the University of Colorado, Boulder for a degree in Political Science and Arabic before graduating in 2020. Nate had a career working in sales in the technology industry assisting different businesses and educational institutions to find software solutions. This is where Nate discovered a passion for developing software, which inspired him to return to school to further his education and make a career shift into Software Engineering. Having a background in sales accompanied by a strong technical background, he was passionate about finding a place to leverage both skill sets.
In his free time, Nate spends time in the outdoors of Colorado. His favorite activities are climbing, fishing, hiking, and most other recreational outdoor activities. Nate also enjoys building new software to improve personal efficiency.
Why did you join Smith Capital Investors?
“I joined Smith Capital Investors to work with amazing people who share a common work ethic and passion for building a positive environment. I wanted to work in an environment that encourages creativity and diligence.”
Favorite book, quote, thought, inspiration, lesson:
“Computers are incredibly fast, accurate, and stupid. Human beings are incredibly slow, inaccurate, and brilliant. Together they are powerful beyond imagination.” – Albert Einstein
Charlie Smith is an operations associate at Smith Capital Investors. He joined the team Summer of 2024 after graduating from the University of Colorado at Boulder. Charlie is focused on management and helping expand Smith Capital Investors to new heights.
Before joining Smith Capital Investors, Charlie interned with Northwestern Mutual. At Northwestern he found a passion for connecting with people and expanding his professional network. While in school, he served on the Executive and Community Service boards for his fraternity.
Charlie earned a Bachelors of Business Administration degree in Business with a dual emphasis in marketing and real estate. Charlie spends his free time enjoying the great state of Colorado – skiing, golfing, hiking, and going to every sports event he can get a ticket for.
Why did you join Smith Capital Investors?
“I joined Smith Capital Investors because I was given a phenomenal opportunity to work with a talented, smart, and hard-working team. I want to do whatever I can to help expand my father’s business and create an environment that my family and children would want to work for.
Favorite book, quote, thought, inspiration, lesson:
“You can never let anything distract you from your main objective. My only goal is to be great. That’s all I want. That’s all I ever aspire to be. Greatness is something nobody can ever take away from you, no matter what happens. So I put all my energy and focus into my craft” – Larry Fitzgerald
Financial Analyst
Kendall is an accounting soldier. A true lover of spreadsheets, QuickBooks and anything that can be balanced. She graduated with a Bachelor’s degree in Accounting from Texas A&M University. After graduating, she moved to Denver and worked in tax preparation for Roger Baer, CPA. She also worked for H&R Block gaining valuable experience and hours in effort to earn her CPA. She then moved into a business development role for accounting software with Champion Business Systems.
Kendall became an executive accountant for KB Home, one of the top ranked home builders in the United States. After having children in 2003 and 2005, Kendall was back to work again preparing taxes for H&R Block while engaging in tax code continuing education. Kendall then moved on to join Johnnie Apparel as Vice President of a China based apparel manufacturing and trading company. She has continued in that role for twenty years while also consulting in bookkeeping and tax preparation for several companies including The Meydan Group, Emoro, Inc, as well as many private personal tax clients.
Kendall enjoys a healthy lifestyle that includes daily Barre3 classes and any outdoor adventure that might include hiking, biking, skiing, or wake surfing.
Why did you join Smith Capital
“I joined Smith Capital Investors because I wanted to be a part of an exciting, and growing company full of inspiring and intelligent people.”
Favorite book, quote, thought or lesson
Someone’s sitting in the shade today because someone planted a tree a long time ago. – Warren Buffet
Mike Mulder is the Deputy Chief Compliance Officer at Smith Capital Investors, a position he has held since February 2025. Before joining the team, he served as Head of Distribution Compliance, North America at Janus Henderson Investors and Chief Compliance Officer for Janus Henderson Distributors US LLC where he was responsible for advertising review, sales practice oversight, exchange traded products compliance, and product governance. Prior to that, he was Head of Investment Advisory and Trading Compliance, North America at Janus Henderson Investors where he worked with the trading, investments and operations teams advising on complex products and projects.
Mike earned a Bachelor of Science degree in Business Administration with an emphasis in Finance from the University of Northern Colorado. He holds a FINRA Series 7 and 24 securities licenses and has 18 years of financial industry experience. Mike enjoys spending time with his family, golfing and is an enthusiastic football fan.
Why did you join Smith Capital Investors?
“The opportunity to join Smith Capital Investors was one of those events in life where the stars aligned. I joined the firm because it is such a unique opportunity to join a driven team that emphasizes a values-centered culture focused on serving its clients and employees.”
Favorite book, quote, thought, inspiration, lesson.
“I firmly believe that any man’s finest hour, the greatest fulfillment of all that he holds dear, is that moment when he has worked his heart out in a good cause and lies exhausted on the field of battle — victorious.” – Vince Lombardi
Michael Scherer is the Co-Head of Business Development at Smith Capital Investors, a position he has held since April 2019. Before joining the team, he served as a Field Sales Director at Janus Henderson, formerly Janus Capital Group. In that position, Mike was instrumental in developing sales territories for the firm and was a member of the Janus Director Advisory Committee.
Mike earned a Bachelor of Arts in Communications from Muhlenberg College. Additionally, he earned a Master of Arts in Psychology from the University of Denver. Mike enjoys spending time with his family.
He is an avid football, basketball, and baseball fan, and enjoys running, golfing, and playing the electric guitar very poorly!
Why did you join Smith Capital Investors?
“I joined Smith Capital because I wanted to be a part of something special. This is a group with a track record of tremendous past success. Those individuals came together as a team to perform a necessary service combining integrity and excellence.”
Favorite book, quote, thought, inspiration, lesson:
“We all are learning, modifying, or destroying ideas all the time. Rapid destruction of your ideas when the time is right is one of the most valuable qualities you can acquire. You must force yourself to consider arguments on the other side.”
― Charles T. Munger
Ryan Duffy is Co-Head of Smith Capital Investors’ Business Development team. Before joining the team, Ryan served 12 years at Principal Asset Management, with his most recent role as a Senior Market Director in Intermediary Sales.
Ryan earned a Bachelor of Arts in Religious Studies from St. Lawrence University. Additionally, he holds a Certified Investment Management Analyst (CIMA®) designation. Ryan enjoys spending time with his wife, three children, and their two dogs. He is passionate about coaching his kids sports teams, reading, health & fitness, and golf.
Why did you join Smith Capital Investors?
“I joined Smith Capital Investors because of the firm’s enduring commitment to people and service.”
Favorite book, quote, thought, inspiration, lesson:
“Focus on the process, and results will follow.”
Cassie has experience working in Registered Investment Advisory (RIA) firms. Most recently she worked for Fidelis Capital as Chief of Staff and Head of Marketing. Before this, she worked at Private Wealth Asset Management as a Financial Analyst and Relationship Manager. In both positions, she played a key role in building the companies from inception, fostering individual and institutional relationships, and driving launch marketing and sales efforts. Cassie applies her expertise to her passion: cultivating meaningful and long-lasting relationships with institutions and individuals.
Cassie earned her Bachelor of Science in Business from the University of St Andrews, distinction of First Class Honors. She played for the University of St Andrews golf team and received the Royal and Ancient (R&A) Scholarship. In her free time, she enjoys skiing, tennis, golf, and reading.
Why did you join Smith Capital Investors?
“I joined Smith Capital Investors with the belief that humility, integrity, and hard work are always a formidable combination. Smith Capital exemplifies these traits, showcasing a track record of significant success and providing crucial services to clients.”
Favorite book, quote, thought, inspiration, lesson.
“What counts in life is not the mere fact that we have lived; it is what difference we have made to the lives of others that will determine the significance of the life we lead.”
– Nelson Mandela
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Last Updated: January, 2025
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These Website Terms of Use (these “Terms”) govern your access to websites and related services operated by or on behalf of Smith Capital Investors, LLC (“SCI” “we” or “us”). These Terms are important and affect your legal rights, so please read them carefully (including the arbitration and class action waiver provisions). Note that Section 14 of these Terms contains a mandatory arbitration provision that requires the use of arbitration on an individual basis and limits the remedies available to you in the event of certain disputes.
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You will not remove, alter, or conceal any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying any Content and you will not reproduce, modify, adapt, prepare derivative works based on, perform, display, publish, distribute, transmit, broadcast, sell, license, or otherwise exploit any Content.
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4. Trademarks
The SCI logo, and any other SCI product or service names, trademarks, logos, or other indicia that may appear on the SCI Services (“Marks”) are the property of SCI or its subsidiaries, affiliates or third parties, and may not be copied, imitated, or used, in whole or in part, without our prior written permission. Nothing contained in these Terms and/or the SCI Services shall be construed as granting, by implication or otherwise, any license or right to use any such Marks without the prior written permission of SCI or such third party that may own such Marks.
5. Legal Requirements; Privacy Policy
The Privacy Policy describes how we handle the personal information you provide to us when you use the SCI Services. For an explanation of our privacy practices, please visit our Privacy Policy located at https://smithcapitalinvestors.com/firm/
6. User Content
You are solely responsible and liable for all data, information, and other materials (“User Content”) that you submit, upload, post, e-mail or otherwise transmit (“Transmit”) in connection with the SCI Services. In addition, we have no control over, and shall have no liability for, any damages resulting from the use (including without limitation, republication) or misuse by any third party of information made public through the SCI Services. IF YOU CHOOSE TO SUBMIT TO US, OR OTHERWISE MAKE ANY USER CONTENT PUBLICLY AVAILABLE, YOU DO SO AT YOUR OWN RISK AND WE SHALL HAVE NO LIABILITY THEREFOR.
You agree that you will not, and will not permit anyone else to, directly or indirectly: (a) Transmit any User Content that is unlawful, harmful, threatening, abusive, hateful, obscene, harassing, tortious, defamatory, libelous, slanderous, pornographic, profane, vulgar, offensive, lewd, invasive of another’s privacy or racially, ethnically or otherwise objectionable; (b) Transmit any User Content: (i) that you do not have the right to Transmit, under any law or contractual or fiduciary relationships, including, without limitation, any inside information or proprietary or confidential information; (ii) that infringes any patent, copyright, trademark or other intellectual property right or misappropriates any trade secret or right of privacy of any third-party; (iii) that constitutes unsolicited or unauthorized advertising or promotional materials, “spam,” “chain letters,” or pyramid schemes; or (iv) that contains any software routine, code, instruction or virus that is designed to disable, delete, modify, damage or erase software, hardware or data; or (c) forge headers or otherwise manipulate identifiers in order to disguise any User Content Transmitted through the SCI Services. Although we have no obligation to screen, edit or monitor User Content, we reserve the right, and have absolute discretion, to remove, screen or edit User Content posted or stored on the SCI Services at any time and for any reason, and you are solely responsible for creating backup copies of and replacing any User Content you post or store on the SCI Services at your sole cost and expense.
7. Rights in User Content
We do not claim any ownership interest in User Content. However, by uploading, posting or submitting User Content to the SCI Services or to our pages or feeds on third-party social media platforms (e.g., SCI’s LinkedIn page), you hereby grant SCI a nonexclusive, royalty-free, worldwide, perpetual, irrevocable and fully sublicensable right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and publicly display your User Content, in whole or in part, in any manner or media and for any purpose whatsoever at our sole discretion, including, without limitation, for publicity, promotional, advertising, trade, business, illustration, artistic and other commercial and noncommercial purposes. However, SCI will only share personal information that you provide in accordance with our Privacy Policy.
You agree that SCI may disclose or use any User Content for any purposes permitted under applicable law, including, but not limited to: (a) enforcing these Terms; (b) complying with any laws, regulations or rules of any federal, state or local government or agency; (c) responding to claims that any User Content violates the rights of third parties; or (d) protecting the rights or property of SCI, its customers or the public.
8. Feedback
Separate and apart from User Content, you can submit questions, comments, suggestions, ideas, original or creative materials or other information about SCI, or the SCI Services (collectively, “Feedback”). Feedback shall become the sole property of SCI. SCI shall own exclusive rights, including, without limitation, all intellectual property rights, in and to Feedback and shall be entitled to the unrestricted use and dissemination of Feedback for any purpose, commercial or otherwise, without acknowledgment or compensation to you.
9. Third-Party Sites
We have not reviewed all of the websites linked to the SCI Services and are not responsible for the content of any third-party pages, any other websites linked to the SCI Services, or any products or services offered by third parties. Nothing in the SCI Services, including, without limitation, any links to other websites, should be construed as an endorsement by SCI of any products, services or information of any other persons or companies. Your choice to access a link to any other website is at your own risk, and you agree to comply with all terms and conditions relating to such websites. SCI reserves the right not to link, or to remove the link, to a particular website at any time.
Any links to third-party websites are provided as a convenience to you and are neither owned nor operated by SCI. We have no control over these linked websites and make no representations or warranties with respect to these linked websites or third-party products or services. Your viewing and use of any third-party websites is at your sole discretion and risk.
10. Indemnification
You shall indemnify, hold harmless, and, at SCI’s option, defend SCI and its affiliates and subsidiaries from and against any and all losses, damages, liabilities, costs (including reasonable attorneys’ fees) (“Losses”) incurred by SCI resulting from any third-party claim, suit, action or proceeding relating to or arising from your use of the SCI Services, any User Content, any Feedback you provide, any violation of these Terms by you, or any other act or omission by you, including your violation of any rights of another, arising from your use of the SCI Services or any of its features. You further agree that SCI shall have control of the defense or settlement of any third-party claims unless SCI exercises its option to require you to defend SCI. This indemnity is in addition to, and not in lieu of, any other indemnities set forth in a written agreement between you and SCI.
11. Securities Products
None of the information made available by SCI Services constitutes a recommendation, solicitation, or offer by SCI or its affiliates to buy or sell any securities, futures, options, or other financial instruments or provide any investment advice or service. The information provided on SCI Services has been prepared without reference to any particular user’s investment requirements or financial situation. Certain transactions give rise to substantial risk and are not suitable for all investors. Prior to the execution of any transaction by you involving information you received from the SCI Services, you should consult your business advisor, attorney, and tax and accounting advisors with respect to the price, suitability, value, risk, or other aspects of any stock, mutual fund, security or other investment. Pricing and other information generated through the use of data or services made available on the SCI Services may not reflect actual prices or values that would be available in the market at the time provided or at the time that a user may want to purchase or sell a particular security or another instrument. The information and services provided on the SCI Services are not provided to and may not be used by any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules, or regulations of any governmental authority or regulatory or self-regulatory organization or clearing organization or where SCI is not authorized to provide such information or services. Some products and services described on the SCI Services may not be available in all jurisdictions.
12. General Disclaimers
THE SCI SERVICES AND THE CONTENT ARE PROVIDED ON AN “AS IS”, “AS AVAILABLE” AND “WITH ALL FAULTS” BASIS. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, SCI DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES OR ENDORSEMENTS OF ANY KIND WHATSOEVER, EXPRESS OR IMPLIED, AS TO: (A) THE SCI SERVICES; (B) CONTENT; (C) USER CONTENT; OR (D) SECURITY ASSOCIATED WITH THE TRANSMISSION OF INFORMATION TO OR FROM THE SCI SERVICES. SCI HEREBY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, THAT ANY RESULTS WILL BE ACHIEVED, NON-INFRINGEMENT, TITLE, CUSTOM, TRADE, QUIET ENJOYMENT, SYSTEM INTEGRATION AND FREEDOM FROM COMPUTER VIRUS.
SCI DOES NOT REPRESENT OR WARRANT THAT THE SCI SERVICES WILL BE ERROR-FREE OR UNINTERRUPTED; THAT DEFECTS WILL BE CORRECTED; OR THAT THE SCI SERVICES OR THE SERVERS THAT MAKE THE SCI SERVICES AVAILABLE ARE FREE FROM ANY HARMFUL COMPONENTS, INCLUDING, WITHOUT LIMITATION, VIRUSES. SCI DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES THAT THE INFORMATION (INCLUDING ANY INSTRUCTIONS) ON THE SCI SERVICES IS ACCURATE, COMPLETE, OR USEFUL. YOU ACKNOWLEDGE THAT YOUR USE OF THE SCI SERVICES IS AT YOUR SOLE RISK. SCI DOES NOT WARRANT THAT YOUR USE OF THE SCI SERVICES IS LAWFUL IN ANY PARTICULAR JURISDICTION. SCI SPECIFICALLY DISCLAIMS ALL SUCH WARRANTIES. SOME JURISDICTIONS LIMIT OR DO NOT ALLOW THE DISCLAIMER OF IMPLIED OR OTHER WARRANTIES SO THE ABOVE DISCLAIMER MAY NOT APPLY TO YOU TO THE EXTENT SUCH JURISDICTION’S LAW IS APPLICABLE TO YOU AND THESE TERMS.
BY ACCESSING OR USING THE SCI SERVICES YOU REPRESENT AND WARRANT THAT YOUR ACTIVITIES ARE LAWFUL IN EVERY JURISDICTION WHERE YOU ACCESS OR USE THE SCI SERVICES.
13. Limitation of Liability; Waiver
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL SCI BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, LOSS OF REVENUE, INCOME OR PROFITS, LOSS OF USE OR DATA, LOSS OR DIMINUTION IN VALUE OF ASSETS OR SECURITIES, OR DAMAGES FOR BUSINESS INTERRUPTION) ARISING OUT OF OR IN ANY WAY RELATED TO THE ACCESS TO OR USE OF THE SCI SERVICES (INCLUDING, BUT NOT LIMITED TO, USER CONTENT AND LINKS TO THIRD-PARTY WEBSITES), OR THE ORDER, RECEIPT OR USE OF ANY PRODUCT OR SERVICE, OR OTHERWISE RELATED TO THESE TERMS (INCLUDING, BUT NOT LIMITED TO, ANY DAMAGES CAUSED BY OR RESULTING FROM RELIANCE ON ANY INFORMATION OBTAINED FROM SCI, OR FROM EVENTS BEYOND SCI’S REASONABLE CONTROL, REGARDLESS OF THE FORM OF ACTION, WHETHER BASED IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, SIMPLE NEGLIGENCE, WHETHER ACTIVE, PASSIVE OR IMPUTED) OR ANY OTHER LEGAL OR EQUITABLE THEORY, EVEN IF SCI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE).
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE MAXIMUM AGGREGATE LIABILITY OF SCI ARISING OUT OF OR IN ANY WAY RELATED TO THE SCI SERVICES EXCEED ONE HUNDRED DOLLARS ($100). THE FOREGOING LIMITATIONS SHALL APPLY EVEN IN THE EVENT YOUR REMEDIES HEREUNDER FAIL OF THEIR ESSENTIAL PURPOSE, AND THE FOREGOING SHALL CONSTITUTE SCI’S SOLE LIABILITY AND OBLIGATION IN RESPECT HEREOF.
IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE YOUR RIGHTS UNDER CALIFORNIA CIVIL CODE 1542, WHICH STATES “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.”
14. Arbitration
PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS WITH SCI AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM US.
YOU AND SCI AGREE THAT ANY DISPUTE, CLAIM OR CONTROVERSY ARISING OUT OF OR RELATING IN ANY WAY TO THESE TERMS OR THE SCI SERVICES SHALL BE FINALLY DECIDED BY BINDING ARBITRATION UNDER THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION GOVERNING CONSUMER DISPUTES.
Arbitration uses a single, neutral arbitrator to decide a dispute (instead of a judge or jury); arbitration allows for more limited discovery than in a court case; and the arbitration process and result is subject to very limited review by courts. In an arbitration you have the right, at your expense, to be represented by an attorney of your choosing. Arbitrators can award the same damages and relief under these Terms that a court can award under these Terms. You and SCI agree that any in-person arbitral hearing would occur in the United States in the same county and state as your billing address. SCI further agrees that your filing fee for an arbitration will be capped at the amount set by the American Arbitration Association. You agree that, by agreeing to these Terms, the U.S. Federal Arbitration Act governs the interpretation and enforcement of this provision, and that you and SCI are each waiving the right to a trial by jury and/or to participate in a class action. This arbitration provision shall survive termination of these Terms and the termination of your use of the SCI Services. Further, unless both you and SCI agree otherwise, the arbitrator may not join or consolidate more than one person’s claims with your claims and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this arbitration provision shall be null and void. The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim.
15. Class Action Waiver
REGARDLESS OF THE FORUM, YOU AND SCI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
16. Termination
Notwithstanding anything contained in these Terms, we reserve the right, without notice and in our sole discretion, to terminate your right to access or use the SCI Services at any time and for any or no reason, and you acknowledge and agree that in such event we shall have no liability or obligation to you.
17. Governing Law and Jurisdiction
SCI operates the SCI Services from the State of Colorado, U.S.A. These Terms and the transactions they contemplate, including without limitation their interpretation, construction, performance, and enforcement, shall be governed by the laws of the State of Colorado, U.S.A. including its statutes of limitations, but without reference to conflict or choice of law provisions. The International Convention on the Sale of Goods, and other international treaties that are not mandatory with respect to contracts made and performed entirely in Colorado shall not apply. The sole and exclusive jurisdiction and venue for any litigation arising out of this Agreement shall be state and federal courts sitting in County of Denver, State of Colorado, and the parties agree not to raise, and waive, any objections or defenses based upon venue or forum non conveniens with respect to such courts.
18. Notice
All notices, demands, or consents given by you under these Terms will be in writing and will be deemed given when delivered to SCI at the following contact: info@smithcapitalinvestors.com. Any notices to you may be made via either e-mail or postal mail to the address in SCI’s records or via posting on the SCI Services. You agree that any notices, agreements, disclosures, or other communications that we send to you electronically will satisfy any legal communication requirements, including, but not limited to, that such communications be in writing.
Persons with disabilities who need assistance accessing these Terms may contact us as provided for in this Section, and depending on your individual needs, we will grant reasonable requests to furnish these Terms in an alternative format.
19. Severability
If any term, clause or provision of these Terms is held invalid or unenforceable, then that term, clause or provision will be severable from these Terms and will not affect the validity or enforceability of any remaining part of that term, clause or provision, or any other term, clause or provision of these Terms.
20. Procedure for Making Claims of Copyright Infringement
If you believe in good faith that any of the content on the SCI Services infringes your copyright, please provide our copyright agent the following written information: (a) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; (b) a description of the copyrighted work that you claim has been infringed; (c) a description of where the material that you claim is infringing is located on the SCI Services; (d) your address, telephone number and email address; (e) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law; and (f) a statement by you, made under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner, or are authorized to act on behalf of the owner, of an exclusive right that is allegedly infringed.
SCI’s copyright agent for notice of claims of copyright infringement can be reached as follows:
SCI Attn: Compliance compliance@smithcapitalinvestors.com
21. Miscellaneous
The SCI Services are hosted in the United States of America. If you are located outside of the United States of America and you contact us, please be advised that any information you provide to us will be transferred to the United States of America and that by submitting information, you explicitly authorize such transfer. These Terms constitute the entire agreement between you and SCI relating to your access to and use of the SCI Services. These Terms, and any rights granted hereunder, may not be transferred, or assigned by you without the prior written consent of SCI. No waiver of any provision of these Terms will constitute a waiver of such provision in any prior, concurrent, or subsequent circumstance, and SCI’s failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision. Except as otherwise provided herein, these Terms are intended solely for the benefit of the parties and are not intended to confer third-party beneficiary rights upon any other person or entity.
SCI00577
Last Updated: January 16, 2025
1. Acceptance of Privacy Notice
Welcome to Smith Capital Investors, LLC (“SCI” “we” or “us”) and our Privacy Notice (“Privacy Notice”). This Privacy Notice is important and affects your legal rights, so please read carefully.
By accessing or using https://smithcapitalinvestors.com/ and various related websites and services (collectively, the “SCI Services”), you agree to be bound by this Privacy Notice and all of the terms incorporated herein by reference. By using the SCI Services and/or submitting or collecting any personal data via the SCI Services, you accept and expressly consent and agree to our practices surrounding the collection, use, and sharing of your personal information in accordance with this Privacy Notice. If you do not consent and agree with the terms of this Privacy Notice, you cannot, and we do not authorize you to, access, browse, or use the SCI Services.
2. Information We Collect
2.1 Personal Information We Collect Directly from You
Categories of Non-Public Personal Information We Collect
We receive non-public personal information as described to you at the point of collection, pursuant to your consent, and/or when you voluntarily provide us with personal information, including:
(1) individual information (such as your e-mail address and phone number);
(2) company information (such as your company’s address); and
(3) other identifying information that you voluntarily choose to provide to us, including without limitation personal information in messages you send to us.
We may also collect additional information, which may be personal information, as otherwise described to you at the point of collection or pursuant to your consent.
2.2 Information We Automatically Collect When You Use Our Site
In order to access and use certain areas or features of the SCI Services, you consent to our collection and use of certain information about your use of the SCI Services through the use of tracking technologies or by other passive means. Your consent to our access and use of this “passively collected” information includes, but is not limited to, search engines used, the internet protocol (IP) address used, the length of time spent on the SCI Services, the pages you looked at on the SCI Services, the type of device and/or internet browser you have, the frequency of your visits to the SCI Services, and other relevant statistics (collectively “Traffic Data”).
3. How We Collect Information
We collect information (including personal information and Traffic Data) when you use and interact with the SCI Services, and in some cases from third party sources. Such means of collection include:
When you access, use, or contact us through the SCI Services.
When you voluntarily provide information through the SCI Services.
If you use a location-enabled browser, we may receive information about your location and device.
Through Cookies, Web Beacons, analytics services, and other tracking technologies (collectively, “Tracking Tools”).
When you provide your information as a customer of SCI.
4. How We Use Your Information
We do not engage in automated decision making. We may use information (including information that has been de-identified and/or aggregated) to better understand who uses the SCI Services and how we can deliver a better user experience. We use information, including personal information, to provide the SCI Services and to help improve the SCI Services, to develop new services, and to advertise our services. Specifically, such use may include:
Providing you with the products, services, and information you request.
Corresponding with you.
Providing, maintaining, administering, or expanding the SCI Services, performing business analyses, and for other internal purposes.
Combining information received from third parties or publicly available information with information that we have from or about you and using the combined information for any of the purposes described in this Privacy Notice.
Fulfilling our legal obligations, such as preventing, detecting, and investigating security incidents, fraud, and potentially illegal or prohibited activities.
We also may use the information we obtain about you in other ways for which we provide specific notice at the time of collection.
Enforcing our Privacy Notice and other agreements.
5. How We Share or Disclose Your Information
In certain circumstances, and to perform the SCI Services, we may share certain information about you as described in this section:
We may transfer your personal information to another company in connection with a proposed merger, sale, acquisition or other change of ownership or control by or of SCI (whether in whole or in part). We will make reasonable efforts to notify you before your information becomes subject to different privacy practices.
We also may need to disclose your personal information or any other information we collect about you if we determine in good faith that such disclosure is needed to: (1) comply with or fulfill our obligations under applicable law; (2) protect the rights, property or safety of you, SCI or another party; (3) enforce this Privacy Notice or other agreements with you; or (4) respond to claims that any posting or other content violates third-party rights.
6. How We Respond to “Do Not Track” Signals
Your web browser may let you choose your preference as to whether you want to allow the collection of information about your online activities over time and across different websites or online services. We honor the preferences you may have set in your web browser regarding such collection of your information.
7. Cookies and Traffic Data
We may use tools outlined below to provide the SCI Services, advertise to, and better understand users.
• Cookies: “Cookies” are small computer files transferred to your device that contain information such as user ID, user preferences, lists of pages visited and activities conducted while using the SCI Services. We use Cookies to: (i) improve and tailor the SCI Services, (ii) customize advertisements, (iii) measure performance, (iv) store authentication so re-entering credentials is not required, (v) customize user experiences, and for (vi) analytics and fraud prevention. For more information on Cookies, including how to control your Cookie settings and preferences, visit http://www.allaboutCookies.org. You can also manage Cookies in your web browser (for example, Edge, Explorer, Chrome, Safari). If you choose to change your settings, you may find that certain functions or features of the SCI Services will not work as intended. The follow details the types of Cookies we use and why we use them:
o Absolutely necessary Cookies. These Cookies are essential to enable you to move around a website and use its features. Without these Cookies, services you have asked for, like adding items to an online order, cannot be provided.
o Performance and Preference Cookies. These Cookies collect information about how you use the SCI Services. Information collected includes, the Internet browsers and operating systems used, the domain name of the website previously visited, the number of visits, average duration of visit, and pages viewed. These Cookies do not collect information that personally identifies you and only collect aggregated and anonymous information. Performance Cookies are used to improve the user-friendliness of a website and enhance your experience.
o Functionality Cookies. These Cookies allow the SCI Services to remember choices you make (such as your username, language preference, or the area or region you are in) and provide enhanced, more personal features. These Cookies can also be used to remember changes you have made to text size, fonts, and other customizable parts of the SCI Services. The information these Cookies collect may be anonymized, and they cannot track your browsing activity on other websites.
o Statistics Cookies. These Cookies help website owners to understand how visitors interact with websites by collecting and reporting information anonymously.
o Marketing Cookies. These Cookies are used to track visitors across websites. The intention is to display ads that are relevant and engaging for the individual user and thereby more valuable for publishers and third party advertisers.
Web Beacons: “Web Beacons” (a.k.a. clear GIFs or pixel tags) are tiny graphic image files embedded in a web page or email that may be used to collect information about the use of the SCI Services. The information collected by Web Beacons allows us to analyze how many people are using the SCI Services, using selected publishers’ websites, or opening emails, and for what purpose.
Web Service Analytics: We may use third-party analytics services in connection with the SCI Services, including, for example, to register mouse clicks, mouse movements, scrolling activity and text typed into the SCI Services. We use the information collected from these services to help make the SCI Services easier to use and as otherwise set forth in Section 5 (How We Use Your Information). These analytics services generally do not collect personal information unless you voluntarily provide it.
Mobile Device Identifiers: As with other Tracking Tools, mobile device identifiers help SCI learn more about our users’ demographics and Internet behaviors in order to personalize and improve the SCI Services. Mobile device identifiers are data stored on mobile devices that may track activities occurring on and through it, as well as the applications installed on it. Mobile device identifiers enable collection of personal information (such as media access control, address, and location) and Traffic Data.
You may be able to reject Cookies and/or mobile device identifiers by activating the appropriate setting on your browser or device. Although you are not required to accept SCI’s Cookies or mobile device identifiers, if you block or reject them, you may not have access to all features available through the SCI Services.
• You may opt out of receiving certain Cookies by visiting the Network Advertising Initiative (NAI) opt out page or the Digital Advertising Alliance (DAA) opt out page, or by installing the DAA’s AppChoice app (for iOS; for Android) on your mobile device. When you use these opt-out features, an “opt-out” Cookie will be placed on your device indicating that you do not want to receive interest-based advertising from NAI or DAA member companies. If you delete Cookies on your device, you may need to opt out again. For information about how to opt out of interest-based advertising on mobile devices, please visit http://www.applicationprivacy.org/expressing-your-behavioral-advertising-choices-on-a-mobile-device. You will need to opt out of each browser and device for which you desire to apply these opt-out features.
8. Storage and Security of Information
Any information you send to us electronically, while using the SCI Services or otherwise interacting with us, may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information to us. We have implemented measures and controls intended to protect your personal information from accidental loss and unauthorized access, use, alteration, and disclosure.
Please be aware, despite our best efforts, no security measures are perfect or impenetrable, and we cannot guarantee “perfect security.” Any information you send us through any means is transmitted at your own risk.
9. Purposes for Collection, Use, and Sharing.
We use and disclose the personal information we collect for our commercial purposes, as further described in this Privacy Notice, including for our business purposes with our partners and service providers as follows:
Legal compliance and auditing related to our interactions with you.
Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and exercising our related rights.
Performing and improving our services (by us or our service provider(s)).
Internal operations.
Other one-time or short-term uses.
10. How Long We Retain Your Information
We retain personal information about you for as long as necessary to provide you the SCI Services. In some cases, we retain personal information for longer, if doing so is necessary to comply with our legal obligations, or as otherwise permitted by applicable law. Afterwards, we retain some information in a de-identified and/or aggregated form but not in a way that would identify you personally.
11. Information Provided on Behalf of Children and Others
The SCI Services are not intended for use by children. Individuals under the age of 18 may not use the SCI Services. SCI does not knowingly collect any information from children. If you are under 18, do not attempt to send us any personal information. By accessing, using and/or submitting information through the SCI Services, you represent that you are not younger than 18 and that you have authority to do so.
12. Third Party Web Services
The SCI Services may contain links or content from third party websites. A link or content from a third-party website does not mean we endorse that website, the accuracy of information presented, or the persons or entities associated with that website. If you visit a third-party website, you are subject to the privacy Notice of the applicable third party and we are not responsible for the policies and/or practices of any third party. We encourage you to ask questions before you disclose your information to others.
13. Your Privacy Choices
We offer you the following choices about the information we collect from you and how we communicate with you:
Promotional Communications
If you do not want us to use your contact information to receive our promotions for our products or services, you can opt out by sending us an email stating your request to info@smithcapitalinvestors.com. Additionally, if you have received a promotional email from us, you can also opt out of receiving future promotional emails from us by following the unsubscribe instructions contained in such email.
Accessing and Changing Your Information
You may send us an email at info@smithcapitalinvestors.com to request access to, correct, or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
14. Updates and Changes to Privacy Notice
The effective date of this Privacy Notice is set forth at the top of this webpage. We will notify you of any material change by posting notice on this webpage. Your continued use of the SCI Services after the effective date of any amendment to this Privacy Notice constitutes your acceptance of the amended Privacy Notice. We encourage you to periodically review this page for the latest information on our privacy practices. Any amended Privacy Notice supersedes all previous versions. IF YOU DO NOT AGREE TO FUTURE CHANGES TO THIS PRIVACY NOTICE, YOU MUST STOP USING THE SCI SERVICES AFTER THE EFFECTIVE DATE OF SUCH CHANGES.
15. Contact Us
If you have any questions about this Privacy Notice, please contact us at info@smithcapitalinvestors.com or at:
Name
Attn: Business Operations
Address: 1430 Blake Street, Denver, CO 80202
Email: info@smithcapitalinvestors.com
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