Timothy Smith (Managing Director of Capitas Financial & President)

Biography

Tim Smith started working with the Charles T. Smith Insurance Company – a partner firm of Capitas Financial – in the summer of 1985. He has held various internal positions with the company over the past 25-plus years including Marketing, Field Underwriting, and Case Design for National Accounts and Independent producers.

From 1987-1998 he held a position as Sales Vice President/Associate General Agent where he worked with Merrill Lynch, Smith Barney, and A.G. Edwards Advisors. He also worked with property and casualty firms to develop strategies to market life insurance to business owners.

Since 1999, Tim has focused on marketing life insurance to large independent producers using a variety of insurance and financial strategies, such as business continuation planning, estate planning, and planning for non-resident citizens holding U.S. assets.

The Smith Companies

At Smith Companies, Ltd., we specialize in empowering financial advisors, attorneys, accountants, and trust officers with comprehensive insurance solutions that enhance their clients’ financial and estate plans. As a premier General Agency, we provide seamless access to a wide range of life, long-term care, and disability insurance products from the industry’s top carriers — all in one place.

What sets us apart? Beyond product access, we deliver unmatched value through expert support and strategic guidance. Our team works alongside you to ensure insurance solutions are thoughtfully integrated into your clients’ broader financial goals — helping you deepen relationships and deliver exceptional outcomes.

Discover the Smith Companies advantage — where expertise meets efficiency, and your success is our priority.

Capitas Financial

Capitas Financial, Inc. is a national organization made up of 16 regional processing centers, 130 point-of-sale professionals and 250-plus back office support specialists who offer a multi-carrier insurance product portfolio, along with unbiased consultative assistance to financial professionals and their clients. Capitas Financial is a national firm, based in Minneapolis, MN with a footprint that includes all 50 states and Puerto Rico. Capitas delivers the strength of a national organization coupled with unrivaled local customer service.