David Smith

3104 Heartleaf Avenue East
Panama City, Florida 32405
United States
Office Phone: (850) 252-6325
Member since 2020
Membership Type: IACP


Financial Professional, Mediator, Other

Assisting individuals and couples in answering all of the financial questions that come before, during, and after divorce is my passion. We provide education and awareness of financial options in divorce, and visually provide the snapshot you need, to see and project your financial future....both the short and long term consequences of critical financial decisions. My sincere hope is that both a doable and durable mutually acceptable agreement can be reached in a respectful and timely manner.

Area(s) of Practice: Divorce Financial Planning and Consultation Services. Retirement plan research and QDRO preparation and facilitation. Post-Divorce Financial Services provided through Sand Oak Financial Partners, LLC ( Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC, Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Sand Oak Financial Partners, LLC are not affiliated).
License(s): Series 7 and Series 66, 2006. Florida Life, Health, and Variable Annuity Agent (2-15 license), 2006

Professional Activities

Current Chair, Board of Advisers for the Institute for Divorce Financial Analysts® (IDFA®)

Undergraduate Education

Troy State University, 1978

Postgraduate Education

University of Alabama School of Dentistry (DMD), 1982

Professional Education

Chartered Financial Consultant® (ChFC®), 2008
Chartered Advisor for Senior Living® (CASL®), 2011
Certified Divorce Financial Analyst® (CDFA®), 2015
Florida Supreme Court Certified Family Mediator, 2018
Certified QDRO Specialist™ (CQS™), 2020


Retired LtCol, USAF Dental Officer, 2002 (served 20 years)