James E. Smith

Jim SmitExperience

For forty years, Jim has served the financial planning, insurance and investment advisory needs of a select group of clients, located in the San Francisco Bay Area, California, Oregon and Washington.


Prior to beginning his financial service career, Jim received his MBA from the University of California at Berkeley and his B.S. from San Jose State College in Business and lndustrial Management. Although born and raised in Southern California, Jim has lived and worked in the BayArea since 1960. He says he feels more a native of the Bay Area.


Today, Jim is an independent financial planner and investment advisor representative with Gateway FinancialAdvisors, lnc. in Walnut Ceek. Cambridge lnvestment Research is his broker dealer and Registered lnvestment Advisor for compliance purposes. Cambridge is a member of the Financial lndustry Regulatory Authority (FINRA) and Securities lnvestor Protection Corp. (SIPC).


Jim's professional designations include the Chartered Life Underwriter (CLU) and chartered Financial Consultant (ChFC). Jim served as President of the East Bay CLU & ChFC Chapter and board member for six years. Also, Jim worked on behalf of the San Francisco chamber of Commerce in various capacities for four years. Jim signed up to audit another investment course at the Haas School at UC Berkeley in order to stay current with the latest academic thought and better serve his clients.


Jim says "you aren't buying anything from me—you are buying into something with me. All I have of offer is my advice to help \ you accomplish your goals-personal and financial." In order to do this, he must know your values, priorities, goals and objectives, what makes you run. Without that knowledge, understanding and mutual trust, Jim will not be able to help you. With 40 years of experience in financial and estate planning, insurance and investment management, Jim believes he can help you achieve your goals.

"I am interested in 'transformational', not purely 'transactional' relationships", according to Jim. He wants you to feel that you are a better person for knowing him and that he's meant something in your life's journey. How many assets a person has accumulated isn't as important as his/her values and priorities. Is your wealth serving your life or the other way around? Concentrating on building wealth for its own sake is not fulfilling.

Jim's best clients are concemed about their legacy-to the persons (or organizations) that count in their lives-and will succeed them. Jim's efforts are focused on helping you, your family and friends accomplish their objectives. Jim will be your confidant and expects you will introduce him to these other people who are imporlant to you and would benefit from knowing him.

Gateway Financial Advisors of Northern California

  • Developing Comprehensive Financial Strategies of Individuals, Families and Businesses
  • Our Mission: To provide superior financial services, investments and insurance planning for business owners, their key employees and successful individuals.
  • Our Goal: To help our clients create, protect and preserve their net worth through creative and cost-effective financial strategies.
  • Our Promise: To listen, understand and respond to the concerns of our clients through long-term relationships.
  • Our Distinctiveness: To offer experience as strategic partners in alliances with attomeys, accountants, insurance and investment professionals to provide synergistic solutions for our clients.


Our Location

Gateway Financial Advisors Inc.
1801 N. California Boulevard #106
Walnut Creek, CA 94596
Mike: 925.322.8067
Jim: 925.322.8064

Latest News

Financial and Economic Brief - April 1, 2021

• What You Need to Know About the New “American Rescue Plan Act” - Learn about the economic benefits of this act passed by Congress and signed into law by President Biden.

• Funding Infrastructure Revitalization May Fall on the backs of Corporations and the Wealthy – Pundits have observed that many of America’s infrastructures are in serious need of repair/replacement.

• What Should You be Considering when Investing in 2021? - There is absolutely no foolproof way, strategy or guarantee to successfully invest in the stock market.

Financial and Economic Brief - March 1, 2021

• The Bureau of Economic Analysis Spells it All Out - If you have ever wanted to find an informational foundation that provides complete analysis of several parts of the American economy, look no further.

• How Inflation Effects the Financial Condition of Your Life – At this point, we are frequently told that we should have very little concern about inflation and its impact on the economy.

• Growing Need for Long Term Care Insurance as Baby Boomers Enter Old Age. - Baby Boomers are realizing that they should have taken on an LTC insurance policy a decade ago.

Financial and Economic Brief - February 1, 2021

• How Option Trading Shocked “Short Selling” Institutional Traders - This is one story that has many of us scratching our heads and wondering; how can a group of small investors bring down large Wall Street traders?

• Economic Impact of Shutting down the Keystone XL Pipeline – Economists are evaluating the impact this shutdown will have on jobs, the US Economy and climate change.

• Small Businesses Need to Act Quickly for The PPP “Second Draw” - Congress has passed legislation that will provide an additional $284 Billion Dollars for small businesses.

Financial and Economic Brief - January 1, 2021

• Highlights of New Covid Stimulus Bill - The new legislation, signed on December 27, 2020, has something in it for everyone; and more may be coming!

• Migration Movement from City to Farm? – Many Americans believe that the Covid-19 Pandemic has caused many to uproot their families and move from cities to suburbs or rural countryside.

• Chances of an IRS audit? The IRS Releases the Numbers. - One of the most unsettling times in a person’s life is the dreaded IRS audit.

Financial and Economic Brief - December 1, 2020

• Dow Breaks 30K – Is There a Higher Limit? - Pundits predicted that it would be many years, if not decades, before the Dow would recover to highs prior to March of 2020.

• The Fed’s Impact on Mortgage Rates & Acquisition of MBS – In the past, the party line among bankers was that the Fed’s control of the money supply had little to do with long term mortgage rates.

• The New SECURE Act Changes Required Minimum Distributions at retirement age - You may need a complete review of your retirement strategy based on how the new legislation will affect your retirement strategy.

Financial and Economic Brief - November 1, 2020

• GDP – The Latest Numbers for Q3 - Market analysts frequently rely on Real Gross Domestic Product reports in an attempt to determine long- and short-range investment strategies.

• GM Announces an all-Electric Vehicle Future – Here’s what Mary Bara, CEO of GM has recently said; “We want to put everyone in an EV, and we believe we have what it takes to do it.

• The Fed’s Definition of the “Money Supply”? - It seems as though we know very little about how the Money Supply affects personal investment and purchasing decisions.

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