Tiana Smith-Cluff

About

Tiana Smith, CPFA®
Financial Advisor | Merrill Lynch Wealth Management

Tiana Smith is a Financial Advisor at Merrill, where she specializes in business and retirement strategies for entrepreneurs, executives, and ultra-high-net-worth families. As a Certified Plan Fiduciary Advisor (CPFA®), she brings deep expertise in employer-sponsored plans and strategic retirement solutions.

Her career spans roles at Morgan Stanley and Bank of America Merchant Services, where she led initiatives in financial planning, business consulting, and client engagement. With a background in computer science and finance, Tiana combines analytical precision with a relationship-driven approach to help clients achieve long-term growth and legacy planning.

Fluent in Spanish and committed to inclusive financial education, she is passionate about empowering women leaders and fostering financial confidence across diverse communities. Tiana currently serves as president of the Central Virginia Board of Governors for the Virginia Opera, where she champions arts, leadership, and community engagement.

As a proud member of NAWBO Richmond, she advocates for women-led enterprises and believes in the transformative power of strategic financial guidance.