Best St. Louis County, Missouri Financial Planners
When it comes to managing your financial future, selecting the right financial planner can make all the difference. In St. Louis County, Missouri, there are several top-notch financial planning firms ready to assist you in reaching your financial goals. Below, we’ve compiled a comprehensive guide to help you understand what to look for in a financial planner, their credentials, and reviews of some of the best financial planners in the area.
What to Look for in a Financial Planner
Choosing a financial planner is a crucial decision that requires careful consideration of several factors. Here are some essential elements to look for:
-Experience and Specialization
Experience is a significant factor in choosing a financial planner. You want someone who has been in the field for several years and has a track record of success. Additionally, consider their area of specialization. Some financial planners specialize in retirement planning, while others may focus on investment management, estate planning, or tax planning. It’s crucial to find a planner whose expertise aligns with your specific financial needs.
Fee Structure
Understanding the fee structure is vital. Financial planners may charge fees in several ways:
- Fee-Only: They charge a flat fee or an hourly rate and do not earn commissions from the products they recommend.
- Commission-Based: They earn commissions on the financial products they sell.
- Fee-Based: They charge a combination of fees and commissions.
A fee-only planner is often preferred as they tend to have fewer conflicts of interest since they do not benefit from recommending specific products.
Credentials
Look for planners with recognized credentials such as Certified Financial Planner (CFP), Chartered Financial Consultant (ChFC), or Certified Public Accountant (CPA). These designations ensure that the planner has undergone rigorous training and adheres to ethical standards.
-Client Reviews and Testimonials
Client reviews and testimonials can provide valuable insights into the planner’s expertise and customer service. Look for reviews on reputable sites like Yelp, Google, or the Better Business Bureau. Additionally, ask the planner for references and speak directly to their clients to get firsthand feedback.
Services Offered
Ensure that the planner offers a comprehensive range of services that meet your needs. These services may include:
- Retirement planning
- Investment management
- Estate planning
- Tax planning
- Insurance planning
- Debt management
Compatibility and Trust
Lastly, it’s essential to feel comfortable with your financial planner. You should be able to trust them and feel confident in their ability to manage your finances. Schedule an initial consultation to discuss your financial goals and see if you feel comfortable working with them.
Top Financial Planners in St. Louis County, Missouri
Buckingham Strategic Wealth
Buckingham Strategic Wealth is renowned for its evidence-based investing and personalized financial plans tailored to each client’s unique needs. With over $15.6 billion in assets managed, the firm serves individuals, businesses, trusts, nonprofit organizations, and retirement plans. Their approach emphasizes safeguarding their clients’ financial futures through diversified investment strategies and comprehensive financial planning services. Located at 8182 Maryland Ave, St. Louis, MO 63105, you can reach them at (314) 725-0455. Visit their website for more information.
Toberman Wealth
Toberman Wealth operates on a fiduciary basis, ensuring that their clients’ best interests are always the priority. They specialize in serving investors and business owners, particularly those over the age of 50 who are retired or planning for retirement. The firm charges an annual fee of 0.75% of assets under management, with no minimum investment requirement. Their office is located at 1741 S Big Bend Blvd, St. Louis, MO 63117. Contact them at (314) 783-9860 or visit their website.
-Clarity Financial Planners
Clarity Financial Planners focuses on providing customized investment strategies to meet the unique needs of women investors. They offer a range of services including retirement planning, estate planning, and tax planning. With a strong emphasis on education and engagement, they empower their clients to take an active role in their wealth management. Clarity Financial Planners is located at 8820 Ladue Road Suite 203, St. Louis, MO 63124. You can reach them at (314) 548-2260 or visit their website.
Visionary Wealth Advisors
Visionary Wealth Advisors offers a holistic approach to financial planning, catering to both individuals and businesses. They provide comprehensive services including retirement and estate planning, insurance assessments, and employee retirement benefit plans. Their fee structure is based on a combination of fixed costs and a percentage of assets under management. Their office is located at 1401 S Brentwood Blvd, St. Louis, MO 63144. Contact them at (314) 655-5500 or visit their website.
Krilogy Financial
Krilogy Financial provides independent financial advice and portfolio planning services. They assist clients with investment planning, life insurance, tax planning, retirement, and college planning. Their fee structure includes hourly rates for financial planning and a percentage of assets for investment management. Located at 600 Emerson Road Suite 110, St. Louis, MO 63141, you can contact them at (314) 884-2800 or visit their website.
-Matter Family Office
Matter Family Office specializes in family wealth planning, managing over $2.4 billion in assets. They offer a range of services including investment management, tax planning, and business succession planning. Their approach is personalized, taking into account each family’s unique goals and circumstances. Located at 801 N 2nd St Suite 302, St. Louis, MO 63102, you can reach them at (314) 725-8247 or visit their website.
Credentials to Look for in a Financial Planner
When selecting a financial planner, it’s essential to consider their credentials. Here are some of the most respected certifications in the financial planning industry:
Certified Financial Planner (CFP)
The CFP designation is one of the most recognized and respected credentials in the financial planning industry. CFPs must complete extensive training and coursework, pass a rigorous exam, and adhere to a strict code of ethics. They are well-equipped to handle a wide range of financial planning needs, from retirement planning to tax and estate planning.
Chartered Financial Consultant (ChFC)
The ChFC designation is similar to the CFP but requires additional coursework in specialized areas such as estate planning, retirement planning, and risk management. ChFCs are highly knowledgeable and can provide comprehensive financial planning services.
Certified Public Accountant (CPA)
CPAs are experts in tax planning and preparation. Many financial planners with a CPA designation also hold the Personal Financial Specialist (PFS) credential, which demonstrates their expertise in financial planning.
Chartered Financial Analyst (CFA)
CFAs are investment professionals with a deep understanding of investment analysis, portfolio management, and financial markets. They are well-suited for clients who require advanced investment management services.
Accredited Investment Fiduciary (AIF)
The AIF designation indicates that a financial planner has a thorough understanding of fiduciary responsibility and is committed to acting in their clients’ best interests. This credential is especially important for clients seeking an advisor who adheres to high ethical standards.
Reviews of Top Financial Planners
Buckingham Strategic Wealth
Buckingham Strategic Wealth has received high praise for its personalized approach and evidence-based investing strategies. Clients appreciate the firm’s commitment to safeguarding their financial futures and the comprehensive range of services offered. The firm’s advisors are known for their professionalism, expertise, and dedication to client success. One client review highlighted, “Buckingham Strategic Wealth has been instrumental in helping us achieve our financial goals. Their team is knowledgeable, responsive, and truly cares about our financial well-being.”
Toberman Wealth
Toberman Wealth is highly regarded for its fiduciary approach and concierge-level service. Clients appreciate the firm’s transparency, personalized service, and focus on long-term financial success. A review from a satisfied client stated, “Working with Toberman Wealth has been a game-changer for our financial planning. Their expertise and dedication to our needs have made a significant difference in our financial outlook.”
Clarity Financial Planners
Clarity Financial Planners is well-known for its focus on empowering women investors and providing customized investment strategies. Clients appreciate the firm’s emphasis on education and engagement, as well as its evidence-based investment approach. One review noted, “Clarity Financial Planners has given me the confidence and knowledge I needed to take control of my financial future. Their personalized approach and commitment to their clients are exceptional.”
Visionary Wealth Advisors
Visionary Wealth Advisors receive high marks for their comprehensive financial planning services and holistic approach. Clients value the firm’s ability to address a wide range of financial needs and its commitment to providing personalized solutions. A client review mentioned, “Visionary Wealth Advisors has been a trusted partner in our financial journey. Their team is professional, knowledgeable, and always puts our needs first.”
Krilogy Financial
Krilogy Financial is praised for its independent financial advice and tailored portfolio planning services. Clients appreciate the firm’s focus on managing all aspects of their finances and its commitment to delivering high-quality service. One satisfied client remarked, “Krilogy Financial has been a great resource for our family. Their team is dedicated, professional, and always available to answer our questions and provide guidance.”
Matter Family Office
Matter Family Office is highly respected for its expertise in family wealth planning and its personalized approach. Clients value the firm’s ability to address complex financial needs and its commitment to helping families achieve their long-term goals. A review highlighted, “Matter Family Office has been an invaluable partner in managing our family’s wealth. Their team is knowledgeable, responsive, and truly understands our unique needs and goals.”
Contact Information for Top Financial Planners
Here’s a table## Best St. Louis County, Missouri Financial Planners
When it comes to managing your financial future, selecting the right financial planner can make all the difference. In St. Louis County, Missouri, several top-notch financial planning firms are ready to assist you in reaching your financial goals. Below, we’ve compiled a comprehensive guide to help you understand what to look for in a financial planner, their credentials, and reviews of some of the best financial planners in the area.
What to Look for in a Financial Planner
Choosing a financial planner is a crucial decision that requires careful consideration of several factors. Here are some essential elements to look for:
Experience and Specialization
Experience is a significant factor in choosing a financial planner. You want someone who has been in the field for several years and has a track record of success. Additionally, consider their area of specialization. Some financial planners specialize in retirement planning, while others may focus on investment management, estate planning, or tax planning. It’s crucial to find a planner whose expertise aligns with your specific financial needs.
Fee Structure
Understanding the fee structure is vital. Financial planners may charge fees in several ways:
- Fee-Only: They charge a flat fee or an hourly rate and do not earn commissions from the products they recommend.
- Commission-Based: They earn commissions on the financial products they sell.
- Fee-Based: They charge a combination of fees and commissions.
A fee-only planner is often preferred as they tend to have fewer conflicts of interest since they do not benefit from recommending specific products.
Credentials
Look for planners with recognized credentials such as Certified Financial Planner (CFP), Chartered Financial Consultant (ChFC), or Certified Public Accountant (CPA). These designations ensure that the planner has undergone rigorous training and adheres to ethical standards.
Client Reviews and Testimonials
Client reviews and testimonials can provide valuable insights into the planner’s expertise and customer service. Look for reviews on reputable sites like Yelp, Google, or the Better Business Bureau. Additionally, ask the planner for references and speak directly to their clients to get firsthand feedback.
Services Offered
Ensure that the planner offers a comprehensive range of services that meet your needs. These services may include:
- Retirement planning
- Investment management
- Estate planning
- Tax planning
- Insurance planning
- Debt management
Compatibility and Trust
Lastly, it’s essential to feel comfortable with your financial planner. You should be able to trust them and feel confident in their ability to manage your finances. Schedule an initial consultation to discuss your financial goals and see if you feel comfortable working with them.
Top Financial Planners in St. Louis County, Missouri
Buckingham Strategic Wealth
Buckingham Strategic Wealth is renowned for its evidence-based investing and personalized financial plans tailored to each client’s unique needs. With over $15.6 billion in assets managed, the firm serves individuals, businesses, trusts, nonprofit organizations, and retirement plans. Their approach emphasizes safeguarding their clients’ financial futures through diversified investment strategies and comprehensive financial planning services.
- Location: 8182 Maryland Ave, St. Louis, MO 63105
- Phone: (314) 725-0455
- Website: Buckingham Strategic Wealth
Toberman Wealth
Toberman Wealth operates on a fiduciary basis, ensuring that their clients’ best interests are always the priority. They specialize in serving investors and business owners, particularly those over the age of 50 who are retired or planning for retirement. The firm charges an annual fee of 0.75% of assets under management, with no minimum investment requirement.
- Location: 1741 S Big Bend Blvd, St. Louis, MO 63117
- Phone: (314) 783-9860
- Website: Toberman Wealth
Clarity Financial Planners
Clarity Financial Planners focuses on providing customized investment strategies to meet the unique needs of women investors. They offer a range of services including retirement planning, estate planning, and tax planning. With a strong emphasis on education and engagement, they empower their clients to take an active role in their wealth management.
- Location: 8820 Ladue Road Suite 203, St. Louis, MO 63124
- Phone: (314) 548-2260
- Website: Clarity Financial Planners
Visionary Wealth Advisors
Visionary Wealth Advisors offers a holistic approach to financial planning, catering to both individuals and businesses. They provide comprehensive services including retirement and estate planning, insurance assessments, and employee retirement benefit plans. Their fee structure is based on a combination of fixed costs and a percentage of assets under management.
- Location: 1401 S Brentwood Blvd, St. Louis, MO 63144
- Phone: (314) 655-5500
- Website: Visionary Wealth Advisors
Krilogy Financial
Krilogy Financial provides independent financial advice and portfolio planning services. They assist clients with investment planning, life insurance, tax planning, retirement, and college planning. Their fee structure includes hourly rates for financial planning and a percentage of assets for investment management.
- Location: 600 Emerson Road Suite 110, St. Louis, MO 63141
- Phone: (314) 884-2800
- Website: Krilogy Financial
Matter Family Office
Matter Family Office specializes in family wealth planning, managing over $2.4 billion in assets. They offer a range of services including investment management, tax planning, and business succession planning. Their approach is personalized, taking into account each family’s unique goals and circumstances.
- Location: 801 N 2nd St Suite 302, St. Louis, MO 63102
- Phone: (314) 725-8247
- Website: Matter Family Office