Namaste Viraja di,
In simple terms, smArta-s are the ones who do karma kand, but later on move ahead with Jnana marg. Vishnu Tatva, Shiva Tatva, Param Padam, etc are all states of consciousness as per advaita.
However, if you do not move on to next ashram, and continue karma kand, then you may attain adobe of chosen deity, as fruit of your karma. Here adobe means a place, Kailash, Vaikuntha. As karma is not the end, agama-s are more related to temple worship and are supplementary to veda-s (as per my understanding), then a time comes, when a smArta acquire sufficient inner purity because of his karma kand procedures, they move on to sanyAsa ashram, which will be Jnana marg. However their love of their chosen deity may not diminish. We have Madhusudan Sarasvati (Krishna Bhakta and an Advaitin), and Appaya Dikshita (Shiva Bhakta and an Advaitin).
Let me give you
a link to what Suta Samhita (commented by Vidyaranya Swami) says.
P.S. HLK is not following Adi Shankara or smArta. He follows ant Dyaneshvar and Sant Eknath. They were great saints. Sant Dyaneshavar made a buffalo sing bhAgavat PurANa. He is very popular in Maharashtra. Eknath bhAgavat is also available.
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