Our Firm

Capital Financial Partners, Inc is a comprehensive Financial Planning and Employee Benefits firm. We strive to provide the most advanced services available. Through our experience and resources, Capital Financial Partners provides financial plan design and implementation through the basic foundation of our relationship building process.

Our goal is to know our clients. Through our interview process we identify what our clients' short and long term goals and then develop a strategic plan to help them reach those goals. Because we stress long term relationships, we will be there to help ensure that our clients stay on target to meet their objectives.


Ben Herritage

Registered Investment Advisor Rep.









With many of the financial issues facing people today, Risk and Wealth Management are some of the most important topics to focus on. Ben's dedication to seeing our clients and customers through some of the most critical risk issues is second to none. Risk Management is a critical step in Financial Planning. Without proper assessment of certain issues a complete plan is not possible.

Ben's commitment to our clients best interest is always visible.  With either tried and true methods or new approaches, Ben is able to help our clients determine and manage financial risk. A respected financial educator, Ben has spoken to many groups on topics such as Budgeting, Business Planning, Long Term Care Insurance and Financial Planning.

Ben, his wife Cassie and daughters reside in the Irmo community just north of Columbia. 


 Todd Smith









Todd is a partner with Capital Financial Partners and Director of Employee Benefits. Effective and efficient Employee Benefits are crucial to every business. In an increasingly difficult and competitive employee marketplace, businesses are now more than ever trying to recruit, retain and reward employees. Benefit packages are at the heart of these issues.

A resident of Lexington, SC and a local community leader, Todd can be found most often on the tennis courts (when not working of course) leading his USTA League Team as their Captain or sporting around town in his Sunbeam with the British Car club.

 Todd is focused on service and quality for all of our clients. Armed with the most updated product and legislative knowledge, Todd is able to effectively help businesses of all types and sizes. With an extensive background in corporate benefits, he brings with him the tools that businesses need to have working for them.