Deaton Smith
Thayer Financial · Hickory, North Carolina
Deaton Smith is a fee-only financial advisor at Thayer Financial in Hickory, North Carolina, who holds the CFP and ChFC credentials. Deaton charges a percentage of assets (ongoing planning from $10,000 a year and 1.15% a year on the first tier of assets managed) and focuses on retirement planning, tax planning and estate & legacy planning.
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Specialties
Facts
| Firm | Thayer Financial |
|---|---|
| Based in | Hickory, North Carolina |
| Fee model | Percentage of assets |
| Fees (firm's website) | Ongoing planning from $10,000 a year · 1.15% a year on the first tier of assets managed · A $1,000,000 asset minimum |
| Assets under management | $106.4M across 493 accounts |
| Credentials | CFP · ChFC |
| SEC registration | Investment adviser representative in NC, TX · CRD 6600354 |
| Exams passed | Series 65 (2016) · Series 63 (2016) |
| Firm size | 2 employees |
| Disclosures | None reported |
| Website | thayerfinancial.com |
| Profile |
How Deaton's firm compares
- Ongoing planning starts at $10,000 a year, above the North Carolina median of $4,500 for fee-only firms that publish prices.
- Thayer Financial's average account is about $216,000, from its Form ADV (assets managed divided by 493 accounts).
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Questions about Deaton
Is Deaton Smith a fee-only financial advisor?
Yes. Deaton Smith is listed in the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Deaton's firm.
How does Deaton charge for financial advice?
Deaton charges a percentage of assets.
How much does Deaton charge?
According to Thayer Financial's website, checked October 28, 2026: ongoing planning from $10,000 a year; 1.15% a year on the first tier of assets managed; a $1,000,000 asset minimum.
Where is Deaton Smith based?
Deaton Smith is based in Hickory, North Carolina.
What does Deaton specialize in?
Deaton's specialties include retirement planning, tax planning, estate & legacy planning and small business owners.
What credentials does Deaton Smith hold?
Deaton Smith holds the CFP and ChFC credentials.
Is Deaton Smith registered with the SEC?
Yes. Deaton Smith is registered as an investment adviser representative in NC and TX (CRD 6600354), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.
How much does Thayer Financial manage?
Thayer Financial reports $106.4M across 493 accounts in assets under management.
How do I contact Deaton Smith?
Through Deaton's website, thayerfinancial.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- XY Planning Network directory listing : XYPN members are fee-only
- Thayer Financial website : specialties, clients served, and fees, checked October 28, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 27, 2026
- Directory listing last checked April 21, 2026.
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