Welcome To SMART Advisor Tools!

Home of The TSR Ratio™ & Debt Free 4 Life™

Transparency, Surplus, and Riskier Assets
For seasoned and serious advisors: Introducing a fast and effective way to assess your client’s annuity and life insurance company counterparty risk.

Debt Free 4 Life™ addresses one of the biggest problems faced by 77% of Americans...debt!

Debt Free 4 Life™ is a smart financially unique solution!

Not only does this proprietary system help our clients pay their debts off years (sometimes decades) earlier...

It can also save them tens of thousands of dollars in interest...

Build their wealth at the same time...

And does it all tax-free!