A Future You Can Feel Good About

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.

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family

Multi-Gen Families

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Retirees (And Those About to Retire) 

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widow

Widows/Widowers

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business owners

Business Owners and Executives

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Farmers

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All Investors

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Multi-Gen Families

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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.
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We implement the kind of strategies that help focus on perpetuating your wealth for as long as you can imagine.

We Provide:

checkmark Custom portfolio creation
checkmark Estate planning strategies
checkmark Tax-aware education funding for children or grandchildren
checkmark Outside-the-box lending options

Let’s Talk Legacy
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Retirees (and Those About to Retire)

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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:

checkmark How to generate reliable income retirement
checkmark Best practices for claiming Social Security and other benefits
checkmark How to optimize your pension plan
checkmark Ways to help make the wealth you’ve created last longer
checkmark How to implement a gifting strategy
checkmark When to utilize qualified charitable distributions for Required Minimum Distribution (RMD) purposes


Our team works with retirees in St. Louis and Southern Illinois.

Live Confidently
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Widows/Widowers

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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:

checkmark Support financial transitions
checkmark Give impartial budget and cashflow recommendations
checkmark Navigate complex estate situations

When you combine all three, it’s possible to not only reclaim financial confidence, but strengthen it.

Find a Trusted Partner
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Business Owners and Executives
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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:

checkmark Strategies for using your professional capital to fuel personal goals
checkmark Improving your monthly operating cashflow structure
checkmark Tailored executive compensation services
checkmark Access to realistic business valuation estimates, so you don’t leave money on the table
checkmark Unbiased retirement plan management
checkmark Planning for a successful (and profitable) exit
checkmark Identifying how to mitigate risk, more intelligently
checkmark Strategies to maximize restricted stock units and/or stock option grants
checkmark Unwinding concentrated positions through asset diversification

Achieve Your Next Goal
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Farmers

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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:

checkmark Creative tax mitigation tools and strategies
checkmark Crop insurance analysis
checkmark Managing debt during market headwinds
checkmark Succession and land transfer strategies

 

Help Sow Your Financial Stability
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All Investors

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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.

checkmark Emergency fund and budget optimization
checkmark Recommending high yielding cash alternatives
checkmark Building tax-efficient portfolios
checkmark Designating and titling beneficiaries within your estate plan
checkmark Managing capital gains, harvesting tax losses and reducing alternative minimum tax (AMT) exposure
checkmark Access to mortgages, home equity financing and securities-based lines of credit through Wells Fargo affiliates
checkmark Fine-tuning your insurance coverage to prepare for disability or death
checkmark Managing foundation investments and Donor Advised Funds (DAFs)

See What Could Be
Wells Fargo is not a legal or tax advisor.
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Clayton, MO Branch Office:

190 Carondelet Plaza
Suite 800
Clayton, MO 63105
Local Phone: (314) 726-5050
Toll-Free Phone: (800) 925-5051
Send a Message

O’Fallon, IL Branch Office:

1405 N. Green Mount Rd.
Suite 200
O’Fallon, IL 62269
Local Phone: (618) 624-8190
Toll-Free Phone: (800) 925-5051
Send a Message