Paul E. Honeycutt, CFP®

Paul is a CERTIFIED FINANCIAL PLANNER practitioner with Honeycutt, Smith & Associates. He specializes in estate, retirement, and business succession planning for business owners and high-net-worth individuals.

Paul holds a BS in business and graduated with honors from the University of Virginia. He has an MS in systems management and graduated with honors from the University of Southern California. He is a past president of the San Diego Chapter of the Financial Planning Association. He has been featured in a PBS special entitled, "The Financial Advisors." Paul is a former U.S. Navy Top Gun pilot.

Ronald F. Smith, CLU®, ChFC®

Ron is a Chartered Financial Consultant®(ChFC) with Honeycutt, Smith & Associates. Ron has 51 years' experience in the financial services industry and has served in both field and home office management capacity. He holds the Chartered Life Underwriter (CLU) and Chartered Financial Consultant designations and specializes in business succession, estate, retirement, and charitable giving plan design.

Ron is a published author and a national authority on the use of visuals for effective communication. A five-year member of the board of directors of the San Diego Association of Life Underwriters, his professional memberships also include the Society of Financial Service Professionals. He is also an emeritus member of the Estate Planning Council.


We were chosen to receive the FIVE STAR Wealth ManagerSM Award for 2011 and 2012*.



*Based on 10 objective eligibility and evaluation criteria, including a minimum of 5 years as an active credentialed financial professional, favorable regulatory and complaint history, accepts new clients, client retention rates, client assets administered, education, and professional designations. 1,014 San Diego wealth managers were considered for the award; 284 (28 percent of candidates) were named 2012 Five Star Wealth Managers. (The criteria provided reflects the most recent year for which advisor received the award. The criteria used, the number of wealth managers considered for the award, and the percentage of those who receive the award, may vary from year to year). These awards are not indicative of the wealth managers' future performance. Your experiences may vary. For more information, please visit


**Million Dollar Round Table (MDRT) is an independent membership organization of life insurance and financial service professionals. Membership levels are based on commissions, premiums, or fees generated within a year from investment and insurance products. Members must apply annually and pay a fee. Members must be in good standing of a Professional Association which has met the following criteria: in existence at least 2 years, have 100 or more members, must be a nonprofit organization, must have a code of ethics and an effective means of dealing with breaches of its code. Members must also adhere to the MDRT Code of Ethics. Working with this advisor is not a guarantee of future financial results. Investors should conduct their own evaluation. For more information, please visit