Ken Smith: Transforming Lives Through Strategic Insurance & Financial Empowerment Ken Smith is a seasoned insurance agent, financial consultant, and founder of Transformn Lives Insurance—a for-profit agency dedicated to holistic protection and prosperity. With 14 years of banking experience (5.5 yrs First Citizens, 3 yrs BB&T, 5.5 yrs PNC), Ken served as Branch Manager at PNC’s Business Banking Center in Fayetteville, NC. He developed a proprietary cash flow model showing how owner investments fund startup, operations, and growth—while exposing the trap of paying personal expenses before business bills. Ken helps owners break this cycle using a 30-day management mindset, separating revenue from income, and positioning for lending, debt restructuring, and long-term stability. Transformn Lives Insurance focuses on: Voluntary Supplemental Health & Life — Partnering with Combined Insurance (a Chubb Company) to cover lost income, deductibles, and recovery bills. Life Insurance for Businesses & Families — Protecting key employees, owners, and wage earners with income replacement and legacy planning. Commercial P&C Coverage — Workers’ Comp, Auto, Liability, BOPs to shield operations. Financial Consultations — Cash flow, credit, and growth strategies. Philosophy: “Insurance isn’t just protection—it’s transforming risk into opportunity.” Where we make Covering Your Assets our main priority!