Phillip Bruce Smith Iii
AIF®, CLU®Affiliated with CETERA INVESTMENT ADVISERS
Phillip's Take
Understanding the rules around the little-known Qualified HSA Funding Distribution can save thousand of dollars in taxes.
Why Work With Phillip
I focus exclusively on retirement planning for Pacific Northwest couples. That means I know the terrain - PERS, FERS, Social Security, Oregon taxes - and every part of my practice is built around helping people land this transition well.
Professional Summary
A native Oregonian and Marine Corps veteran, Phillip Smith learned discipline, integrity, and resilience while serving as an avionics technician with the legendary VMA‑214 “Black Sheep” squadron. Those values still shape his work ethic and client relationships today. After graduating magna cum laude from the University of Oregon with a BA in English and a focus on writing and critical reasoning, Phillip has earned the Tax Planning Certified Professional® (TPCP), Chartered Retirement Plan Counselor® (CRPC)...
At a Glance
Fiduciary Standard
Fee Structure
Account Minimum
Active Clients
Fiduciary Standard
Fee Structure
Account Minimum
Active Clients
Who I Serve
Services Offered
- Retirement Planning
- Tax Planning
- Estate & Legacy Planning
- Investment Management
- Risk Management & Insurance
Other Aliases
Phillip Smith
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Videos & Posts
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Contact Information
Direct
(xxx) xxx-xxxx
linkedin.com/in/xxxxxx
xxxxx@xxxx.xxx
Website
xxxxxxxxxx.xxx
YouTube Channel
youtube.com/@xxxxxx
Languages
xxxxxx
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Disclosures are events reported to regulators, such as customer disputes, regulatory actions, employment separations, or financial events. Some are resolved, denied, or contested — a disclosure is not a verdict. We recommend asking an advisor directly about any disclosure on their record.
Disclosures on record.
Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities. Check for any disclosures as part of your thorough research when choosing an advisor.
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Credentials
Years of Experience
9 years registered in the securities industry
Current & Past Employments
Current
Past
Education
University of Oregon
English, Bachelor of Arts
English, Bachelor of Arts
2015
The American College
Tax Planning, TPCP Designation
Tax Planning, TPCP Designation
2025
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Doing Business As (DBA) / Local Office
DBA Firm Name
Tidepool Wealth Strategies
Business Address
450 Country Club Road, Suite 350, Eugene, OR 97401
Current Firm
CETERA ADVISOR NETWORKS | TERRA FINANCIAL PLANNING GROUP LTD | GENWORTH FINANCIAL ADVISERS CORPORATION | FIRST ALLIED ADVISORY SERVICES | CETERA INVESTMENT ADVISERS LLC | CETERA ADVISORS
Contact Information
Main Address
1450 American Lane 6th Floor, Suite 650, Schaumburg, IL 60173-2096Phone Number
(310) 257-7880# of Employees
10,251SEC notice filing (53 States and Territories)
Registered to provide investment advisory services in 53 US states and territories.
Regulatory Assets Under Management
Total Number of Accounts
813,961AUM (Assets Under Management)
$256,813,748,739Accountant Surprise Examination Report
| Filing Date | Form ADV-E Cover | Form ADV-E Report |
|---|---|---|
| 09/25/2026 | Cover Page | Report |
| 10/27/2025 | Cover Page | Report |
| 12/13/2024 | Cover Page | Report |
| 09/26/2023 | Cover Page | Report |
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Other business activities
Information obtained from regulatory filings. Advisors can request corrections through their firm or regulator.
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
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Primary Firm SEC Registration
CETERA ADVISOR NETWORKS | TERRA FINANCIAL PLANNING GROUP LTD | GENWORTH FINANCIAL ADVISERS CORPORATION | FIRST ALLIED ADVISORY SERVICES | CETERA INVESTMENT ADVISERS LLC | CETERA ADVISORS
State Registrations and Notice Filings
(1/2/2026)
(6/9/2021)
(7/22/2021)
(3/8/2022)
(1/2/2026)
(6/5/2026)
(6/9/2021)
(6/9/2021)
(6/9/2021)
(6/29/2023)
(5/5/2023)
(6/9/2021)
(6/29/2023)
(6/9/2021)
Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.Note:This rule does not apply to broker-dealer activity.
Exams
Financial professionals may take different exams throughout their careers based on the types of services they provide and roles they perform.
SRO Registrations
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CRS (Client Relationship Summary) - RIA
Click below to view Phillip Bruce Smith III's CRS (Customer Relationship Summary).
Services Offered by Phillip
- Retirement Planning
- Tax Planning
- Estate & Legacy Planning
- Investment Management
- Risk Management & Insurance
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