Building and Protecting
Legacy, One Family at a Time.
Most Americans spend decades building their retirement β only to lose a significant portion to taxes the moment they withdraw. I show families a tax-free alternative that also grows their money and protects them. No jargon. No pressure. Just the truth.
6+
YEARS IN INDUSTRY
50
STATES SERVED
TAX
ADVANTAGED STRATEGIES
πΉ Clarity
πΉStewardship
πΉProtection
πΉLegacy
Our Foundation
What Does Serving More
Mean?
SM stands for Serving More β and it is not just a name. It is a commitment.
A commitment to show up differently than the financial industry ever has for working American families.
01
Educate Before We Recommend
We never present a product before you fully understand the problem it
solves. Knowledge is the foundation of every conversation we have.
02
Relationships Before Transactions
We are not here for your signature. We are here for your story β and the
relationships we build always outlast any single financial decision.
03
Families Create Lasting Legacies
Our work does not end at retirement. We help families build financial
structures that protect and empower the next generation as well.
The Real Problem
Your Retirement Account May Not Solve Every Retirement Problem.
You've been saving, contributing and trusting the plan. But there are important questions worth understanding β about taxes, market exposure, retirement income, protection and legacy β that most plans never fully address.
01
The Tax Question at Retirement
Every dollar in your 401(k) or traditional IRA is pre-tax money. That means when you retire and start withdrawing, the IRS takes their cut β sometimes 20 to 37 cents of every dollar you worked decades to save.
Have you calculated what your retirement income could look like after taxes?
Does it make sense to have a tax strategy now, before you reach retirement?
Do you think your tax rate in retirement will be higher or lower than it is today?
02
Protection When Life Changes
Many traditional retirement accounts focus on accumulation but may not include provisions for living benefits during your working years. A serious illness β heart attack, stroke or cancer β can significantly change a family's financial picture well before retirement.
Living benefits can provide access to a portion of your policy's benefits if you experience a qualifying illness or condition, helping provide financial support when life changes unexpectedly.
Does your current plan provide any financial support if you were unable to work due to a critical illness?
How would an unexpected health event affect your family's financial stability today?
03
Market Exposure and Retirement Timing
Many retirement accounts include investments that are subject to market fluctuations. A significant market decline in the years immediately before or after retirement can meaningfully impact the assets available to fund your retirement income β a concept sometimes called sequence-of-returns risk.
Do you know how much market exposure your current retirement strategy carries?
What would a tax-advantaged, market-risk-managed retirement strategy mean for your family's future?
Your Journey
What You Can Expect With Us.
Step 01
We Begin With Your Story
We sit down and learn about your life β your
income, your family, your retirement plan, your
goals. No pitch, no pressure. Just an honest, open
conversation about where things stand and where
you want to go.
Step 02
We Show You a Smarter Path
We walk you through a financial strategy that may offer tax-advantaged retirement income potential, market-risk management, and protection for your family β explained so clearly, even your kids would understand it.
Step 03
You Move Forward On Your Terms
Whether you begin your journey with us, bring your
family in, or simply walk away with new knowledge
β that is a win. We are not here for your signature.
We are here for your legacy.
Why SM Wealth Partners Exists
Built for Families.
Driven by Purpose.
SM Wealth Partners was founded on one belief: that every American family deserves access to the kind of financial
education that was once reserved for the wealthy. Most people are never taught the true cost of their retirement plan β the
hidden taxes, the market exposure, and the absence of protection when life changes overnight.
Sota Yang founded SM Wealth Partners after a personal journey
that began at 19 years old. Married young, searching for a smarter
path β not just for himself, but for the families who would one day
trust him with their most important financial decisions.
We don't lead with products. We lead with understanding. And when a family sees the value of what we offer β for themselves, their spouse, their children, their parents β they move forward not because they were sold, but because they were served.
Education first, always. Understanding before any recommendation is ever made.
Stewardship over salesmanship. We treat your future with the care it deserves.
Legacy over transactions. We are building something that outlasts a single meeting.
Index Protection
Understanding How Indexed Strategies May Work for You.
Most retirement accounts move with the stock market. When the market rises β they grow. When the market crashes β so does your retirement. And if that crash happens right before or during retirement, there's no time to recover.
The strategy Sota introduces works differently. Your growth is linked to a market index like the S&P 500 β so when the market goes up, your money grows with it. But when the market drops?
When the index experiences a negative year, the policy's indexed interest crediting can be protected by a 0% floor, subject to policy terms and charges.
π
Market Goes Up β You Grow
Your fund is indexed to market performance.
Good years mean real growth credited directly to your account.
π‘οΈ
Negative Index Year β 0% Floor May Apply
When the index experiences a negative year, the indexed interest crediting floor can be 0% β meaning no interest is credited for that period, though policy charges may still apply.
π
Gains Are Locked In Annually
Each year your growth is locked in.
Next year's floor resets to your new higher balance β
you never give back what you've earned.
Who Is This For?
You May Be a Good Fit If you are...
SM Wealth Partners works best with people who are ready to have an honest, open conversation about their financial future β and who value education over pressure.
You are building a retirement strategy beyond an employer-sponsored plan
You are concerned about how future taxation may affect your retirement income
You are looking for additional retirement-income strategies to complement what you already have
You are building wealth while wanting to protect your family if something unexpected happens
You are a business owner looking for additional financial strategies beyond traditional options
You are thinking about how today's financial decisions will affect the next generation of your family
What If We're Not the Right Fit?
Not every strategy is right for every person β and we believe that deeply. SM Wealth Partners was built on the principle that education comes before recommendation. If after our conversation we are not the right fit for your situation, we will tell you.
No pressure. No hidden agenda. Just an honest assessment of what may or may not serve your family best.
"And if we're not a fit? We'll tell you. Because serving more means serving honestly β even when that means pointing you somewhere else."
β Sota Yang Β· Founder, SM Wealth Partners
Real Claims. Real Families.
When Life Changed, Their Benefits Were There.
These are real clients who received their Living Benefits claim β while still alive. Not a promise. Proof.
3Γ STROKES Β· $ 142, 325 LIVING BENEFITS CLAIM
"I was diagnosed with 3 strokes. Within 2 weeks, we received $142,325."
The husband was diagnosed with 3 strokes. Sota helped the family file a claim and received $142,325.01 within 2 weeks. Now they live debt free, are able to save more towards retirement, and afford the best care for him.
Paid out within 2 weeks Β· American National Insurance
#LivingBenefitsWithoutDying
Throat Cancer - $ 41,107 Living Benefits Claim
Client purchased Living Benefits coverage. After being diagnosed with Throat Cancer, his claim was processed and a check delivered β money used for a home down payment and a car for his family.
Fidelity & Guaranty Life Β· 2 weeks processing
Throat Cancer - $ 734,738 Living Benefits Claim
Dr. Jonathan chose a Living Benefits product. After just one premium, he was diagnosed with Throat Cancer. Four weeks later his check arrived. Today, Dr. Jonathan is cancer-free
Featured on Fox Business News Β· FEG Living Benefits
Family Protected - $220,321 Critical Illness Claim
A family received their living benefits payout β money that was available when they needed it most, while still alive. No waiting until death. No delays. Just financial protection delivered.
Fidelity & Guaranty Life Β· March 2021
Family Protected - $44,949 Living Benefits Claim
Living benefits provided a family with access to policy value during a qualifying health event β allowing them to navigate a difficult season without the added pressure of financial instability.
Fidelity & Guaranty Life Β· August 2022
Critical Illness - $449,773 Large Claim
Nearly half a million dollars paid out to a family facing a critical illness diagnosis. This is what real financial protection looks like β not a promise on paper, but a check in hand when life changes overnight.
American National Insurance Β· March 2024
Family Stability - $238,697 Living Benefits Claim
Through the living benefits policy, a client was able to access funds during a qualifying health event β giving their family the financial breathing room to prioritize recovery over financial worry
Fidelity & Guaranty Life Β· June 2024
These are real families whose financial outcomes were materially changed by having living benefits in place during an unexpected health event. Individual results vary based on policy terms, coverage amount and qualifying conditions. The purpose of sharing these stories is to illustrate how living benefits can make a meaningful difference β not to suggest a specific outcome.
Begin Your Journey
Every Family Deserves Clarity About Their
Financial Future.
It costs nothing to begin this conversation. But what you discover could change the
story your family tells for generations. We are ready when you are.
Begin Your Complimentary Strategy Session
No cost. No obligation. Just an honest conversation about your future.
Name
Phone Number
Complimentary. No pressure. Sota personally reaches out within 24 hours.
πΊοΈ Serving More in All 50 States
"Every financial decision tells a story. Thank you for allowing us to become part of yours."
Sota Yang Β· Founder, SM Wealth Partners
SM Wealth Partners Β· The Wealth Concierge
Β© 2026 SM Wealth Partners. All rights reserved. For educational purposes only. Not financial or tax advice.