Comprehensive Financial Planning: Retirement Planning, College Education Planning and More

Comprehensive Financial Planning: Retirement Planning, College Education Planning and More

We provide comprehensive financial planning services on a fee only basis in St. Louis and the surrounding area, including Ballwin, Chesterfield, Des Peres, Kirkwood, O'Fallon, Webster Groves and many other St. Louis communities.  

Our comprehensive financial planning approach entails working in depth with you in the following areas:

Retirement Planning – Retirement planning is about building financial security for life after work. It’s about preparing a secure income stream that you can count on to give you a life that’s rewarding and personally fulfilling in your later years. We will help you create a retirement plan that is designed to help you get the most out of your retirement years.

Investment Portfolio Analysis – How your investments are allocated and how well they're coordinated can have a big impact on how quickly you reach your goals and how bumpy your ride will be.  From the mutual funds in your 401K and 403B plans to the investments in your IRA's and brokerage accounts, we'll compile a complete inventory of your assets and analyze each one for costs, tax efficiency, performance, risk and diversification.  We'll help you understand what you have, how well your assets are working together, and whether or not they're appropriate for you.  

Investment Portfolio Design & Implementation – Creating an appropriate investment portfolio based upon the level of risk you are comfortable with and the length of time your investments will be at work is essential to achieving your financial goals.  We will recommend a portfolio design that encompasses all of these things, one with an emphasis on appropriate asset allocation, cost minimization, and tax efficiency so that you make the most of your investment assets.  But this is just the starting point.  We'll also help you implement your plan and stick to it.  Remaining steadfast in your convictions and keeping your focus on long term goals requires a high degree of discipline that most people simply don’t possess, especially when financial markets gyrate violently. We’ll help you stay true to your plan, increasing the likelihood that you reach the goals you set out to achieve from the start.

Taxes – We’ve yet to meet that rare person who enjoys paying taxes.  In fact, a lot of people believe that they pay more than their fair share. So it’s amazing to know that the IRS estimates more than one billion dollars is overpaid in taxes each year. Amazing but not really surprising – our tax code is incredibly complex and various provisions continue to change every year. We are highly qualified in personal income tax preparation and tax planning; we will work with you to identify ways to legally minimize your tax burden so that you have more money to live the life that you want and invest for future goals.

Cash Flow – How you spend and save money is the single most important factor affecting your financial well-being. If needed, we’ll help you take control of your spending so that how you spend your money is aligned with your values. We’ll also make sure you have enough set aside for emergencies so that you are fully prepared for sudden events like the loss of a job or a large repair bill. And we’ll help you understand the difference between good debt and bad debt, so that you can make smart decisions about when (and when not) to finance a purchase with a loan.

Goal Setting –The better we understand what is most important to you, the better we can help you structure your finances to achieve your goals. We will employ a variety of techniques together that will help you define and prioritize your goals, and then we’ll help you measure your progress toward achieving them.

College Education Planning – Saving for college is a significant financial planning issue for most families. Median family income has not increased nearly enough to keep pace with rising college costs. And while there are numerous sources of funding available, identifying the right mix of alternatives and maximizing their use is a complex and confusing process. The good news is that there are ways for families to effectively plan for future college costs, and we can help you determine the best way for you and your family.  

Insurance Review – Determining what risks you can afford to self-insure and what risks should be transferred to an insurance company is a critical decision that is vitally important to your financial security. We’ll help you make that decision, as well as help you determine what type of insurance to buy and how much of it you should purchase so that you spend your insurance dollars wisely.

Estate Planning – It can be uncomfortable to think about death and what will happen to our loved ones and our possessions after we’re gone. What’s even more uncomfortable is to think about the state deciding what happens because we didn’t take the time to plan. We’ll help you evaluate important estate issues that impact you and your family so that you are fully prepared to implement the necessary documents with a qualified attorney. If your attorney has already drawn up estate planning documents for you, we’ll make sure they’re up to date and that they do exactly what you want them to do.

On-Going Consultation – During the course of our advisor-client relationship, we will work with you to address any other pertinent financial matters that arise in your life. Our comprehensive approach is all-inclusive in nature – you won’t pay additional fees for our time when such issues present themselves. In fact, we’ll integrate them into our overall financial planning process so that we never lose sight of our coordinated approach and your long term goals.

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