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Continuum Wealth Team


Building trust to achieve what matters.


Our commitment to you is centered on thoughtful planning and excellent service.  We believe our strength lies in our ability to recognize your distinct situations and needs.  Your individual needs will be addressed through our team's decades of experience in wealth management, financial planning, tax planning, insurance, and business management. 

Located in downtown Saratoga Springs, NY, our team is passionate about helping our community achieve the goals that matter most.

 

Timothy M. Smith | AAMS Photo Timothy M. Smith | AAMS Hover Photo
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Timothy M. Smith | AAMS

Managing Director, Investment Advisory Services

Timothy M. Smith | AAMS

Managing Director, Investment Advisory Services


Tim is the Chief Executive Officer and Principal of Continuum Wealth Advisors, LLC. As Managing Director of Investment Advisory Services, he oversees Continuum’s investment, qualified retirement plan, wealth management, and annuity lines of business. Tim’s clientele includes high net worth individuals and successful closely held businesses, with a strong emphasis on professional physician practices. His focus on the unique financial needs of each client has led him to the creation of a thoughtful yet structured decision-making process.

Tim earned his Accredited Asset Management Specialist designation from The College for Financial Planning, and has over 25 years of experience in the financial industry. He attended Memphis State University in Memphis, Tennessee and The College of St. Rose in Albany, New York. Tim is a member of the Financial Planning Association and its local Northeastern New York chapter. He is also a member of IMCA, Investment Management Consultants Association. Tim holds a Series 66 securities license, as well as NYS Life, Accident and Health Insurance licenses.

Email Tim at tsmith@contwealth.com


Jennifer L. Henry | CRPS Photo Jennifer L. Henry | CRPS Hover Photo
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Jennifer L. Henry | CRPS

Director, Portfolio Services

Jennifer L. Henry | CRPS

Director, Portfolio Services


Jennifer is the Portfolio Services Manager for Continuum’s Investment Advisory Services, having entered the financial field in 1997. She provides personalized portfolio maintenance for clients including the establishment and transfer of accounts, trading, distributions and asset recommendations, for which anticipating client needs is a key part of that process. In addition, Jennifer is responsible for maintaining and operating the client portfolio reporting system, as well as client advisory fee processing and billing.  Overseeing the compliance activities of the firm is another aspect of her day-to-day responsibilities.

Jennifer earned her Chartered Retirement Plans Specialist designation through The College for Financial Planning, and received her BA in Mathematics from Hartwick College in Oneonta, New York. She holds a Series 66 securities license.

Email Jennifer at jhenry@contwealth.com


Stephen M. Cutting | CPA Photo Stephen M. Cutting | CPA Hover Photo
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Stephen M. Cutting | CPA

Vice President, Investment Advisory Services

Stephen M. Cutting | CPA

Vice President, Investment Advisory Services


Stephen is Vice President of Investment Advisory Services at Continuum Wealth Advisors, LLC.  In his role at the firm, Stephen assists with managing relationships with clients.  This includes evaluating the client’s current financial position and recommending strategies for the investment management, tax planning, estate planning, and risk management.  He evaluates, reviews and assists clients with their financial goals and their progress toward meeting them. 

Before joining the firm, Stephen had more than 18 years of family office, investment and tax advisory experience working for firms in Albany, Saratoga Springs and New York City.  Stephen also has over 5 years of CFO/Controller experience and 3 years of auditing experience, having worked for KPMG Peat Marwick at the start of his career.

Stephen holds a B.B.A. in Accounting from Siena College.  Stephen is a Certified Public Accountant (CPA) and member of the AICPA.  Stephen is a 2017 graduate of the Leadership Saratoga program.  

Outside of his role at Continuum Wealth Advisors, Stephen enjoys giving back to his community and volunteers for various organizations involved in human services and the arts. He is currently a member of the Executive Committee of the Board of Directors of The Franklin Community Center, serving as Treasurer.

Email Stephen at scutting@contwealth.com




David Rath | CFA Photo David Rath | CFA Hover Photo
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David Rath | CFA

Director, Portfolio Strategies

David Rath | CFA

Director, Portfolio Strategies


David Rath joined Continuum Wealth Advisors in 2021 with over a decade of experience in the wealth management industry. He serves as the Director of Portfolio Strategies where he is responsible for investment research and portfolio oversight. In his role, he provides the necessary knowledge in the portfolio construction and monitoring process. He stays up-to-date on current market trends while uncovering any opportunity for clients. 

David is a CFA Charterholder and is currently a Level 3 candidate for the Chartered Market Technician (CMT) designation. David holds a Bachelor of Science in Financial Economics from Binghamton University. 

Email David at drath@contwealth.com