The Smith Legacy Group partners with leading financial advisors, insurance professionals, and centers of influence nationwide. With more than a century of combined experience in wealth transfer, estate, and protection planning, we are dedicated to delivering sophisticated life, long-term care, and disability insurance solutions tailored to each client’s unique goals and circumstances.
Our team maintains access to the nation’s top insurance carriers as well as premier international markets, including Lloyd’s of London, Peterson International Underwriters, and other leading global providers, ensuring that our partners can offer world-class solutions for even the most complex client needs.
At the core of our mission is a commitment to lasting partnerships. We focus on integrating the right solutions — not just any solutions — into a client’s comprehensive financial strategy. Through concierge-level service and our role as a virtual back-office, we operate as an extension of your planning team, providing the clarity, efficiency, and expertise needed to support both you and your clients at every stage of the planning process.
We have established deep and strategic alliances with industry-leading insurance carriers, financial institutions, and trusted advisors.
Enhance your client value by expanding offerings and distinguish your firm by utilizing our team to help identify new opportunities. We are committed to providing sophisticated, unbiased solutions tailored to your clients' particular needs and situations.
The Smith Legacy Group partners with leading financial professionals and centers of influence nationwide to deliver tailored life, long-term care, and disability insurance strategies. As a trusted partner in the independent marketplace, we provide one-stop access to top insurance carriers alongside unmatched value-added support, ensuring every solution is seamlessly integrated into a client’s broader financial plan.
Our technical expertise spans the full spectrum of insurance planning, from debt protection and income replacement to sophisticated wealth-transfer strategies for ultra-high-net-worth individuals. Whether serving individuals, business owners, or large publicly traded and privately held companies, we bring the knowledge, resources, and precision needed to help clients protect wealth, manage risk, and secure their financial futures.
Capitas Financial, Inc. is a life insurance brokerage firm that operates at both the national and local levels, offering a superior portfolio of insurance products and services.
Since its founding in 2001, Capitas Financial, Inc. has grown into one of the nation’s leading life insurance brokerage organizations, operating seamlessly at both national and local levels, through a robust network of financial professionals, including more than 130 point-of-sale experts and multiple regional processing centers, Capitas partners with financial institutions, advisors, CPAs, and attorneys to deliver customized, insurance-based solutions for a wide range of client needs.
These solutions encompass wealth transfer and estate planning, premium finance, executive benefits, business succession, and advanced strategies for ultra-high-net-worth individuals.
Capitas’ philosophy is built on collaboration, technical mastery, and value beyond the policy, ensuring that every insurance strategy aligns with each client’s tax, retirement, business, and legacy goals. By combining deep underwriting insight, sophisticated plan design, and comprehensive case management, the firm delivers a standard of support, compliance, and service excellence that extends to clients and partners across all 50 states.
The Smith Companies, Ltd. is the largest and a founding partner of Capitas Financial. Since its founding in 1988, it has grown into one of the East Coast’s premier life insurance and wealth-conservation firms, managing more than $70 billion of in-force life insurance coverage since 2000.
We specialize in integrating sophisticated insurance solutions into estate, gift, business succession, retirement, and legacy planning, always guided by a product-agnostic, client-first philosophy.
Our multidisciplinary team includes attorneys, financial professionals, and seasoned underwriters who collaborate closely with advisors, accountants, and estate planners to deliver customized, strategic outcomes for ultra-high-net-worth clients.
Rooted in integrity, technical expertise, and a commitment to personalized service, The Smith Companies provides the clarity, confidence, and continuity needed to protect wealth, manage risk, and preserve legacies for generations to come.
Tim Smith has been a cornerstone of the Charles T. Smith Insurance Company, a partner firm of Capitas Financial, since joining in the summer of 1985. Over his 40-plus years with the company, Tim has held a variety of roles spanning Marketing, Field Underwriting, and Case Design for both National Accounts and independent producers.
From 1987 to 1998, he served as Sales Vice President/Associate General Agent, collaborating with major firms including Merrill Lynch, Smith Barney, and A.G. Edwards Advisors. During this time, he also partnered with property and casualty firms to develop strategies for marketing life insurance to business owners.
From 1999 to 2012, Tim concentrated on providing life insurance solutions to large independent producers, leveraging a wide range of insurance and financial strategies, including business continuation planning, estate planning, and planning for non-resident citizens with U.S. assets. His deep industry knowledge and strategic approach have made him a trusted partner for advisors seeking sophisticated solutions for their clients.
Tim has been a driving force at Smith Companies and Capitas Financial since becoming President and Partner in 2012. In this role, he has focused on strategically growing Capitas’ institutional relationships, collaborating closely with Senior Vice Presidents across his territories. Tim is also passionate about developing and mentoring talent to help them achieve their full potential.
In 2023, Tim was appointed Chief Marketing Officer of LTC Global, and in 2025, he became one of two Managing Partners of Capitas Financial. His leadership combines strategic vision, deep industry expertise, and a commitment to building strong teams and lasting client partnerships.
Outside of work, Tim enjoys spending time with his family on Cape Cod, where summer days often include off-roading along the National Seashore. A lifelong history enthusiast, he also enjoys collecting wine during his travels around the world. Tim has dedicated much of his life to coaching a variety of youth sports, reflecting his passion for mentorship and community.
Tim Smith, Jr. is a third-generation member of the Smith Companies, LTD. Tim launched his insurance career with the firm in 2015. Beginning in the Inforce Policy Management department in 2015, he quickly advanced through a variety of roles that sharpened his technical expertise and deepened his understanding of client needs. As an Associate Case Manager from 2015 to 2016, he skillfully guided complex cases while his meticulous attention to detail and client-first mindset ensured success. During his time as a Case Designer from 2016 to 2017, he specialized in developing tailored concept strategies utilizing complex product design.
His career expanded beyond operations in 2017 when he transitioned into sales as a Regional Sales Associate, serving the New England, New York, and Florida markets. In this role, he cultivated trusted partnerships with Private Wealth Advisors and institutional advisory teams, delivering impactful insurance planning solutions for high-net-worth clients. In 2019, his career then shifted to partnering directly with a Director of Private Wealth, helping to rapidly grow, develop, and service that institutional territory.
In 2023, Tim took on the task of rebuilding the independent distribution channel, leveraging his years of experience in operations and institutional markets. He applies his deep industry knowledge to help advisors seamlessly integrate insurance into their clients’ comprehensive financial plans. Known for his ability to simplify complex concepts and strategies, Tim takes pride in building lasting relationships that drive long-term success.
Outside of the office, Tim embraces both adventure and competition. He enjoys traveling across the U.S. and abroad, spending time with family and friends, and staying active through athletics. A lifelong competitor, he has played hockey, skied, golfed, and rowed in The Head of the Charles Regatta and Henley Royal Regatta. Tim is a proud Boston resident and attended Northeastern University, where he competed on the Varsity Rowing Team.
Issac has been a key contributor at Smith Companies, Ltd. since 2012, bringing nearly 30 years of industry experience to designing sophisticated insurance solutions for elite advisory practices. His extensive background includes roles at American General, SunTrust Bank Private Wealth, Crump Insurance, and Lighthouse Insurance Group, spanning positions from career agent to internal wholesaler.
Issac holds a Bachelor of Science in Organizational Management from the University of Michigan and is a Chartered Life Underwriter® (CLU®) from the American College. Outside of work, he enjoys hiking, traveling with his wife, exploring fine wines, and discovering new books.
Caitlin McKinney joined Smith Companies, a partner firm of Capitas Financial, in July 2023 and was promoted to Director of Operations in January 2025. In her role, she collaborates across departments, including Case Design, Case Management, Human Resources, Finance, and Marketing, to drive efficiency and innovation. Caitlin oversees the development of internal processes, ensures alignment between strategic goals and daily operations, and plays a key role in optimizing workflows to support advisor success and client satisfaction.
With over 25 years of experience in the life, long-term care, and disability insurance industry, Caitlin brings deep expertise to the organization. Before joining Smith Companies, she held leadership roles, including Chief Operating Officer and Vice President of New Business & Client Service at an independent producer agency serving high-net-worth clients. There, she led strategic initiatives such as implementing a CRM platform and a modern digital document management system, resulting in measurable operational improvements. She also managed teams that partnered closely with trust and estate attorneys, as well as single and multi-family offices, acting as an extension of their practices to ensure a seamless client experience.
Caitlin holds a Bachelor of Science in Business Administration from Emmanuel College. Outside of work, she enjoys live music, playing tennis, and spending quality time with her husband and two daughters.
Kyle Smith began his journey with the company in 2017 as an intern, where he played a key role in digitizing files to enhance records management efficiency. After graduating from Merrimack College in 2018 with a Bachelor of Arts in History and a minor in Marketing, Kyle transitioned into Case Management, where he managed client information and coordinated policy mailings to financial advisors.
Today, Kyle is a valued member of the Sales team, serving as a Case Designer. In this role, he collaborates closely with internal SVPs and external financial advisors to craft customized life insurance solutions tailored to each client’s unique needs. With a combination of analytical skill, attention to detail, and a client-focused approach, Kyle ensures seamless service and precise solutions for every engagement.
A dedicated financial services professional with a strong foundation in finance and economics. She graduated Magna Cum Laude from Robert Morris University in Moon Township, PA, earning a Bachelor of Science in Business Administration with a dual focus in Finance and Economics. Early in her career, Mary earned her General Securities Representative designation by passing the Series 7 and 63 examinations and contributed to business growth as a Business Development Associate at Rosewood Capital in Pittsburgh.
After taking time away from the workforce to focus on raising her family, Mary returned to the financial services field with Capitas Financial in March 2019. She gained extensive experience across Case Management, Licensing, Commissions, and Policy Services, and currently serves as Licensing Manager at Smith Co., where she combines her industry expertise with a client-centered approach to deliver seamless support and solutions.
With a blend of technical knowledge, practical experience, and a personal commitment to helping others, Mary is passionate about empowering clients and colleagues alike to achieve their financial goals.
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