The Smith Legacy Group collaborates with top financial advisors, insurance professionals, and centers of influence across the nation. We are dedicated to delivering customized life, long-term care, and disability insurance solutions that align with the unique needs of each client. Our commitment lies in equipping our partners with strategies that foster security, growth, and lasting peace of mind.
We proudly maintain access to the nation’s leading life, long-term care, and disability insurance carriers, as well as internationally recognized markets including Lloyd’s of London, Peterson’s, and other global providers. This extensive reach allows us to deliver world-class solutions that meet the diverse needs of our clients, both domestically and abroad.
Family wealth management requires more than asset allocation; it demands a comprehensive, proactive approach to sustaining and protecting generational wealth. At The Smith Legacy Group, our Family Office partners benefit from annual collaboration with our team and our Advanced Planning Group for an in-depth review of all assets, structures, and long-term strategies to ensure continuity, tax efficiency, and multi-generational success by exploring additional concepts and how they impact overall wealth preservation.
We work side by side with wealth management teams, CPAs, estate planners, and tax attorneys to identify potential exposures and ensure that every family’s insurance portfolio and overall financial framework are appropriately managed, audited, and optimized each year.
Trust Offices serve as a stabilizing force for both present and future financial objectives, particularly within multi-generational wealth transfer and estate planning. At The Smith Legacy Group, we understand that disciplined policy maintenance and unwavering plan integrity are essential to ensuring wealth transitions occur smoothly, efficiently, and in complete alignment with a family’s long-term intentions.
Our Trust Office partners rely on our deep experience in insurance portfolio management and our proactive approach to policy audits, performance evaluations, and trust-aligned insurance structuring. This focus strengthens the durability and reliability of each plan, supporting both immediate needs and the evolving vision of future generations.
With direct access to our Advanced Planning Group, which continuously monitors tax developments, regulatory changes, and market shifts, we help partners anticipate issues before they affect the families they serve. This collaboration ensures every trust-based insurance strategy remains compliant, resilient, and optimized for long-term success.
Private Wealth Firms benefit from collaboration with our Advanced Planning Group and our comprehensive suite of advanced planning solutions tailored for high-net-worth clients. Our partners enjoy exclusive access to proprietary modeling tools and strategies that simplify wealth preservation, tax efficiency, and legacy protection, empowering advisors to deliver meaningful, high-impact solutions to their clients.
Through our proprietary platforms, we help firms integrate innovative wealth and tax protection strategies directly into their existing planning processes. Beyond individual client needs, we also provide specialized services for clients’ businesses, creating a holistic and integrated approach to wealth management.
Our Registered Investment Advisor (RIA) partners benefit from one of the most diverse and comprehensive ranges of planning and protection offerings in the industry. From advanced strategies tailored to high-net-worth clients to core solutions like term insurance for young professionals and new homeowners, The Smith Legacy Group provides flexible support that empowers advisors to meet clients’ evolving needs at every life stage.
A standout feature of our partnership is our proprietary Term Insurance Platform, a solution that consistently captures the attention of and drives value to our RIA partners. This platform streamlines implementation, enhances client experience, and allows advisors to easily incorporate term insurance into broader financial, estate, and risk management strategies.
The Smith Legacy Group works closely with our Estate Planning and CPA partners to deliver fully integrated, tax-efficient wealth strategies. We understand that insurance is not implemented in a vacuum; it is one essential component within a client’s broader estate and tax plan, often involving lifetime and annual exemptions, sales of assets to trusts, note sales, and other sophisticated planning techniques.
In this context, the strategic implementation of insurance serves as a final safeguard, the financial backstop designed to help reduce or eliminate any remaining estate tax exposure and preserve wealth across generations.
Through our collaborative model, Estate Planning and CPA partners have direct access to our Advanced Planning Group, which includes two non-practicing Estate Planning Attorneys, a Master of Finance, and an Advanced Case Designer. This team brings decades of technical knowledge and hands-on experience to support complex planning scenarios, offering your clients truly comprehensive and coordinated solutions.
Independent and Mutual Agents partner with The Smith Legacy Group to expand their product range and deliver a broader range of solutions to their clients—all while receiving the personalized, high-level attention they deserve.
Our Mutual Insurance Partners often turn to us when their captive carriers are unable to accommodate specific client needs. In those cases, we step in to secure coverage outside traditional underwriting guidelines, ensuring that every client, regardless of complexity, has access to appropriate and effective protection.
Through our deep carrier relationships, diverse product access, and responsive support, we help Independent and Mutual Agents serve their clients more completely, retain long-term relationships, and grow their businesses with confidence.
Benefits Groups and Companies partner with The Smith Legacy Group to gain access to our extensive expertise in high-limit long-term disability, worksite long-term care, and executive benefit solutions. We also provide business continuation and success planning guidance, helping organizations protect and retain their key talent while ensuring long-term financial stability.
Our partnerships are built to help employers design comprehensive, high-impact benefit strategies that support recruitment, retention, and the financial well-being of executives and employees alike. Through our consultative approach, we deliver customized, scalable solutions that align with each organization’s objectives and evolving needs.
Property and Casualty (P&C) firms partner with The Smith Legacy Group to expand their services beyond traditional personal risk coverage. By collaborating with our team, P&C firms gain access to a broader suite of advanced insurance strategies designed to meet their clients’ evolving needs and strengthen long-term relationships.
We work side by side with P&C professionals to deliver complementary planning and protection solutions that extend beyond property and liability, helping clients protect income, wealth, and legacy. Our digital term insurance platform is a standout resource among partners, providing an adaptable, streamlined solution that simplifies implementation and enhances the overall client experience.
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At The Smith Legacy Group, we bring together more than 100 years of combined experience in financial planning, strategy, and client service. We understand that our partners take pride in building meaningful, lasting relationships with their clients and their families—and we share those same values in every relationship we build.
As your strategic planning partner, The Smith Legacy Group operates as a true extension of your team. We take the time to listen, learn, and align with your vision, understanding the plans you’ve implemented and the goals you’re working to achieve. From there, we deliver customized strategies designed to enhance your planning process, strengthen client trust, and elevate the overall client experience.
By partnering with us, you gain access to a collaborative team that prioritizes integrity, innovation, and measurable results. Together, we help ensure that every client plan is not only comprehensive but built to last for generations.
We have established deep and strategic alliances with industry-leading insurance carriers, financial institutions, and trusted advisors.
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.
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.
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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.
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.
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.
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.
