“Retire Without Fear” isn’t just a motto for Lukas Smith—it’s the mission that drives his life’s work. Since joining SageGuard Financial in 2016, Lukas has guided clients with integrity and wisdom, anchored in the principles of The Power of Zero, a tax-free retirement strategy pioneered by David McKnight. Lukas believes in helping families shift from tax-deferred to tax-free wealth so they can retire with confidence, regardless of how high future tax rates may rise.

Rather than chasing trends or succumbing to fear or greed, Lukas builds genuine relationships with every client. He starts with the basics: understanding who you are and what matters most to you. His journey into financial advising began as a personal passion; helping friends, family, and coworkers understand how money truly works. That spark soon grew into a calling.

In 2008, Lukas returned to school and earned dual degrees in Finance and Business Management. Since then, he has obtained his insurance license, Series 7, and Series 66 certifications—equipping him to offer strategic, tax-efficient solutions with unmatched care and diligence.

When asked what fuels his work, Lukas answers without hesitation: his wife Tiffany, the love of his life, and their son Liam. His legacy is built on faith, family, and the conviction that God has called him to serve others both professionally and personally. It’s why he helps clients insulate their retirement from rising taxes, market volatility, and legislative risk, so they too can leave a lasting legacy.

Outside the office, Lukas enjoys quality time with family, shooting sports, and cheering on the Tennessee Vols. Faith, Gratitude, and Kindness aren’t just words to Lukas, they’re how he shows up for his clients, his colleagues, and his community. He may sound impressive on paper, but one conversation with Lukas is all it takes to become a fan for life.

Interested in a one-on-one with Lukas? Schedule time with him here: Lukas’s Calendar