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HTH Wealth Management Group

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                        • rbcwealthmanagement.com
                      • Sign in Important information
                      • Home
                      • Why us
                        • About our team
                        • The RBC Wealth Management difference
                        • Client risk prevention
                      • Wealth & Asset protection
                        • RBC WealthPlan
                        • RBC Private Wealth
                        • RBC Echelon
                        • Legacy planning
                        • Special Needs Trust
                        • Charitable giving
                      • Retirement
                        • Retirement income planning
                        • Long-term care
                        • Health care in retirement
                      • Investments & Financial resources
                        • Valuable insights
                        • Financial empowerment
                        • Women and wealth
                        • ESG and responsible investing
                        • Fixed income advantage
                        • College savings plans
                        • RBC Cash Management Account
                        • Advantages of credit
                        • Transfer Accounts
                      • Business owner
                        • Business owner financial services
                        • 401(k) plan reviews for employers
                        • Investment banking solutions
                        • Owner-only 401(k) plans
                      • Contact
                      HTH Wealth Management 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 Group

                      Phone: 561-691-5309

                      Valerie Ramo, CPA*

                      First Vice President - Financial Advisor,
                      Portfolio Director Group

                      Phone: 954-766-7181

                      Jessica Fattori

                      Senior Investment Associate

                      Phone: 561-691-5327

                      Sue Zaccaria

                      Senior Investment Associate

                      Phone: 954-766-7203

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                      Palm Beach Gardens
                      3801 PGA Boulevard, Suite 801
                      Palm Beach Gardens, FL 33410
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