Our Qualifications

Harry Smelcer has been involved in the financial services industry for almost 30 years. He began his career with The America Group as a Financial Advisor and Investment Representative. In 2003 he formed HGS Financial Services, Inc. and joined Securities America, Inc., an independent broker/dealer. As an independent financial advisor, Harry believes the independent broker/dealer model offers the greatest flexibility in helping clients achieve their financial and retirement goals.

While experience is an important part of developing client relationships, education and training are also essential to a successful financial strategy. Harry graduated from the University of Missouri with a degree in business. In 1988 he earned the designation of CERTIFIED FINANCIAL PLANNER (CFP®) from the College for Financial Planning in Denver, CO and is a CFP® Practitioner. He earned the following designations from the American College in Bryn Mawr, PA – Charter Financial Consultant (ChFC) in 1997 and Chartered Life Underwriter (CLU) in 1999.  He holds the following securities licenses – Series 6, 63, 7, 24 and 65.

Many clients feel that outliving their assets is a concern and are looking for a strategy that can help in managing those assets. The process Harry uses to create your retirement income stream includes the implementation of time-based strategies along with investment choices designed to offset the effects of inflation and tax increases. He seeks to find a balance of appropriate risk and growth components intended to provide income throughout your retirement. Harry feels that his success is measured by his client’s ability to achieve financial independence and the quality of life they desire.

Harry and his wife Erin are lifelong residents of St. Louis. They enjoy spending time with their three grown children and both are avid hikers and boaters.