If your life is a story, then you are the main character on an unwritten path.
And if your life is a story, then what defines a chapter? Is it a year or a decade? A major life event?
We’re fortunate to have helped co-author hundreds of happy life chapters for clients of all kinds, despite the twists and turns the market tends to throw in the way.
Multi-Gen Families
Individual wealth can look like a mountain. You start at the valley and often move in an upward trajectory, with plateaus and peaks along the way. Having proper guidance to navigate and course-correct when needed can take the shape of a repeatable path:
Build. Spend. Fortify.
We implement the kind of strategies that help focus on perpetuating your wealth for as long as you can imagine.
We Provide:
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Custom portfolio creation |
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Estate planning strategies |
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Tax-aware education funding for children or grandchildren |
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Outside-the-box lending options |
Retirees (and Those About to Retire)
You've worked hard, saved diligently and now stand at the threshold of an exciting new chapter – retirement. But this isn't an ending; it's the beginning of the life you've envisioned.
Now, your 401(k) or IRA is no longer a balance you check every so often — it represents your livelihood.
You’re also faced with decisions you hadn’t before.
- How much should you withdraw and when?
- From which account should you withdraw first?
- Should you take Social Security now or wait as long as you can?
Instead of uncertainty, imagine getting answers that empower you to step into retirement with absolute clarity.
We’ll Help You Figure Out:
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How to generate reliable income retirement |
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Best practices for claiming Social Security and other benefits |
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How to optimize your pension plan |
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Ways to help make the wealth you’ve created last longer |
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How to implement a gifting strategy |
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When to utilize qualified charitable distributions for Required Minimum Distribution (RMD) purposes |
Our team works with retirees in St. Louis and Southern Illinois.
Widows/Widowers
Few things compare to the joy of building a life with someone. And even fewer compare to the emotions felt losing that someone.
For many, finances take a back seat while adjusting to a strange new life. And once the grieving ends, if ever, you no longer share the burden of making decisions about your wealth.
Situations like these must be treated sincerely, delicately and — above all — honestly.
We’ll Be There To:
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Support financial transitions |
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Give impartial budget and cashflow recommendations |
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Navigate complex estate situations |
When you combine all three, it’s possible to not only reclaim financial confidence, but strengthen it.
Business Owners and Executives
What started as a passion project might consume every waking (and sleeping) hour. Trust us, we know. We’re entrepreneurs, too. That means we understand how few hours there are to focus on personal investments.
Time needs to be found — especially when your business likely constitutes a major portion of your net worth.
But what if your professional success could fuel your personal fulfillment?
Working With Us Means:
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Strategies for using your professional capital to fuel personal goals |
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Improving your monthly operating cashflow structure |
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Tailored executive compensation services |
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Access to realistic business valuation estimates, so you don’t leave money on the table |
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Unbiased retirement plan management |
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Planning for a successful (and profitable) exit |
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Identifying how to mitigate risk, more intelligently |
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Strategies to maximize restricted stock units and/or stock option grants |
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Unwinding concentrated positions through asset diversification |
Farmers
The fortunes of farmers often depend on something they can’t control: the weather. Between ever-shifting demands, fluctuating interest rates and general economic uncertainty, you need a partner with experience dealing with the unpredictable cycles that affect your livelihood.
We Understand First-Hand:
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Creative tax mitigation tools and strategies |
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Crop insurance analysis |
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Managing debt during market headwinds |
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Succession and land transfer strategies |
All Investors
Some elements of wealth and finance apply universally to all investors, no matter their age or profession — elements we incorporate into investment plans whenever possible.
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Emergency fund and budget optimization |
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Recommending high yielding cash alternatives |
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Building tax-efficient portfolios |
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Designating and titling beneficiaries within your estate plan |
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Managing capital gains, harvesting tax losses and reducing alternative minimum tax (AMT) exposure |
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Access to mortgages, home equity financing and securities-based lines of credit through Wells Fargo affiliates |
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Fine-tuning your insurance coverage to prepare for disability or death |
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Managing foundation investments and Donor Advised Funds (DAFs) |
Clayton, MO Branch Office:190 Carondelet Plaza |
O’Fallon, IL Branch Office:1405 N. Green Mount Rd. |