<iframe src="//www.googletagmanager.com/ns.html?id=GTM-PFR3SFR" height="0" width="0" style="display:none;visibility:hidden">
  • rbcwealthmanagement.com
  • Important information
  • Sign in
RBC Wealth Management

HTH Wealth Management Group

  • Home
  • Why us
    • About our team
    • The RBC Wealth Management difference
    • Client risk prevention
      • Business owner
        • Business owner financial services
        • Investment banking solutions
        • 401(k) plan reviews for employers
        • Owner-only 401(k) plans
          • Retirement
            • Retirement income planning
            • Health care in retirement
            • Long-term care
              • Wealth & Asset protection
                • Women and wealth
                • RBC Private Wealth
                • RBC Echelon
                • Legacy planning
                • Charitable giving
                  • Young professionals
                    • Just for kids-seven fun ways to learn about money
                    • Financial empowerment
                    • Principles of successful investing
                    • College savings plans
                      • Investments & Financial resources
                        • Valuable insights
                        • Market commentary
                        • Fixed income advantage
                        • Transfer Accounts
                          • Contact
                          • RBC Wealth Management
                            • rbcwealthmanagement.com
                          • Sign in Important information
                          • Home
                          • Why us
                            • About our team
                            • The RBC Wealth Management difference
                            • Client risk prevention
                          • Business owner
                            • Business owner financial services
                            • Investment banking solutions
                            • 401(k) plan reviews for employers
                            • Owner-only 401(k) plans
                          • Retirement
                            • Retirement income planning
                            • Health care in retirement
                            • Long-term care
                          • Wealth & Asset protection
                            • Women and wealth
                            • RBC Private Wealth
                            • RBC Echelon
                            • Legacy planning
                            • Charitable giving
                          • Young professionals
                            • Just for kids-seven fun ways to learn about money
                            • Financial empowerment
                            • Principles of successful investing
                            • College savings plans
                          • Investments & Financial resources
                            • Valuable insights
                            • Market commentary
                            • Fixed income advantage
                            • Transfer Accounts
                          • Contact
                          Team photo

                          Howard A. Smith, NMLS # 1949443, and Valerie Ramo, NMLS # 2078064 through City National Bank, may receive compensation from RBC Wealth Management for referring customers to City National Bank. Banking products and services are offered or issued by City National Bank, an affiliate of RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC and are subject to City National Banks terms and conditions. Products and services offered through City National Bank are not insured by SIPC. City National Bank Member FDIC.

                          Investment products offered through RBC Wealth Management are not FDIC insured, are not guaranteed by City National Bank and may lose value.

                          , Howard A. Smith, NMLS # 1949443, and Valerie Ramo, NMLS # 2078064 through City National Bank, may receive compensation from RBC Wealth Management for referring customers to City National Bank. Banking products and services are offered or issued by City National Bank, an affiliate of RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC and are subject to City National Banks terms and conditions. Products and services offered through City National Bank are not insured by SIPC. City National Bank Member FDIC.

                          Investment products offered through RBC Wealth Management are not FDIC insured, are not guaranteed by City National Bank and may lose value.

                          , Howard A. Smith, NMLS # 1949443, and Valerie Ramo, NMLS # 2078064 through City National Bank, may receive compensation from RBC Wealth Management for referring customers to City National Bank. Banking products and services are offered or issued by City National Bank, an affiliate of RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC and are subject to City National Banks terms and conditions. Products and services offered through City National Bank are not insured by SIPC. City National Bank Member FDIC.

                          Investment products offered through RBC Wealth Management are not FDIC insured, are not guaranteed by City National Bank and may lose value.

                          , Howard A. Smith, NMLS # 1949443, and Valerie Ramo, NMLS # 2078064 through City National Bank, may receive compensation from RBC Wealth Management for referring customers to City National Bank. Banking products and services are offered or issued by City National Bank, an affiliate of RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC and are subject to City National Banks terms and conditions. Products and services offered through City National Bank are not insured by SIPC. City National Bank Member FDIC.

                          Investment products offered through RBC Wealth Management are not FDIC insured, are not guaranteed by City National Bank and may lose value.

                          Read additional advisor disclosures.

                          Obtain more information about this financial advisor on FINRA's BrokerCheck website

                          Investment and insurance products offered through RBC Wealth Management are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

                          Contact information

                          HTH Wealth Management Group

                          Phone: 561-691-5309

                          Howard A. Smith, AWM

                          Senior Vice President - Financial Advisor,
                          Senior Portfolio Director

                          Phone: 561-691-5309
                          Cell: 561-601-1890

                          Valerie Ramo, CPA*

                          Senior Vice President - Financial Advisor,
                          Portfolio Director

                          Phone: 954-766-7181
                          Cell: 561-603-2351

                          Jessica Fattori

                          Senior Investment Associate

                          Phone: 561-691-5327
                          Cell: 772-932-4804

                          Sue Zaccaria

                          Senior Investment Associate

                          Phone: 954-766-7203
                          Cell: 728-218-5583

                          Address
                          Palm Beach Gardens
                          3801 PGA Boulevard, Suite 801
                          Palm Beach Gardens, FL 33410
                          View on map
                          Privacy & Legal
                          • Privacy & security
                          • Legal & disclosures
                          • Terms & conditions
                          • Business continuity plan
                          • Statement of Financial Condition
                          • Advertising and cookies
                          Royal Bank of Canada Website, © 2009-2026
                          © 2026 RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE / FINRA / SIPC
                          Back to top
                          <<<<<<< HEAD ======= >>>>>>> origin/release/6.0.0