Tradition

 

As a long-established financial planning corporation, St. Louis Financial Planners has set its own tradition, a tradition of values-centered management advice.  In 1976, the firm first offered full service financial planning in order to address the core financial needs of their clients.

 

For over 25 years, people of the Midwest have relied on St. Louis Financial Planners and the principles on which the firm was built: Listen closely.  Provide fundamentally sound financial planning.  Deliver what you promise.  Commit to quality.

 

No nonsense Midwestern values still guide the firm today.  As eloquently expressed in the state motto of their Missouri home, “Salus populi suprema lex esto” – “the welfare of the people is the supreme law;”  St. Louis Financial Planners knows that their continuing success depends on how well they service and respond to the needs and interests of their clients.

 

 

Understanding

 

In this high-paced technological age, conversation is often a lost art.  But computers will never understand the dreams, needs and concerns of people.

 

The best investment, estate planning, or retirement vehicle can only be of value if it accomplishes what you want in a way that is comfortable to you.  St. Louis Financial Planners recognizes the value of having a clear understanding of what is important.  Prior to creating any viable strategies, the firm addresses the specific needs, resources and personality of each client.

 

After nearly two and a half decades of attentive listening, St. Louis Financial Planners has come to value the important information shared in the initial strategy session.  In it, key questions are addressed: What are your goals, needs and objectives?  What resources are available?  What are you comfortable with?  What variables and special circumstances must be accounted for?

 

The answers to these, and other questions determine the specific actions that will form the foundation to build a secure financial future for each client and their family.  This unique give and take process originally developed by the firm is called “Strategic Financial Planning.”

 

 

Representation

 

To properly represent someone, you must place that Person's needs first.

 

Advocacy is defined as representing the interest of another.  Historically, advocates represented royalty, land holders, and those of wealth in dealing with various financial and business matters.  To St. Louis Financial Planners, Investor Advocacy is simply putting the investors' needs first and aligning their business objectives with those financial goals.

 

An Advocate/Client relationship creates efficiencies that can lower long term costs and produce results that are more consistent with the client's financial goals.  As seasoned veterans of many economic environments, St. Louis Financial Planners realizes that long term success requires relationships that transcend spread sheets, rates of return, and quarterly reports.  Consistently superior results are the by-product of a well thought out combination of the objectives, expectations and methods of both advisor and client.

 

St. Louis Financial Planners believes that their success is directly linked to the success of each client.  Put into action, Investor Advocacy helps to build upon and protect the hard-earned assets of the clients the firm represents.

 

 

People

 

Individual financial goals evolve and change throughout life.  Specific needs depend on your stage of life, who you are, and where you want to go.

 

For families and individuals, the working years are a matter of resource management, following an orderly plan, asset accumulation, controlling debt, family protection, college funding and long-range retirement planning.

 

Retirees want to reap the rewards of their years of hard work.  This involves balancing how they live with the resources available.  Estate planning, managing investment risk, and preserving purchasing power from the potential effects of inflation are of primary concern.

 

Business owners, both small and large, must also consider broad-based needs of employees and their families.  To serve those and other interests, business planning emerges: The need to develop and sustain pension plans, other company benefits, and the management of corporate cash.

 

 

St. Louis Financial Planners

 

Reflects the diversity and spirit of the Midwest.  For over twenty years, the firm’s common sense approach to investment, retirement, and estate planning has earned the trust of professionals, business owners, executives, retirees and families.

 

As a long-established financial planning corporation, St. Louis Financial Planners has set its own tradition, a tradition of values-centered management advice.  In 1976, the firm first offered full service financial planning in order to address the core financial needs of their clients.

 

For over 35 years, people of the Midwest have relied on St. Louis Financial Planners and the principles on which the firm was built: Listen closely.  Provide fundamentally sound financial planning.  Deliver what you promise.  Commit to quality.

 

No nonsense Midwestern values still guide the firm today.  As eloquently expressed in the state motto of their Missouri home, "Salus populi suprema lex esto" - "the welfare of the people is the supreme law;"  St. Louis Financial Planners knows that their continuing success depends on how well they service and respond to the needs and interests of their clients.

 

 

Solutions

 

Fundamental Planning

 

Eliminate Waste: A crucial first step is eliminating non-productive assets that are barriers to achieving long-term financial goals.

 

Debt Reduction: Systematic debt reduction consistently increases net worth, and is a key component of “Strategic Financial Planning.”

 

Protection

 

Family Protection: The impact of unforeseen events must be addressed.  St. Louis Financial Planners reviews all personal and company-sponsored insurance programs to confirm that appropriate coverages are in place.

 

Estate Planning: Proper estate planning addresses three key issues: Maximize assets passed down.  Control how assets are passed along.  Simplify the transfer of assets for the designated survivors and beneficiaries.

 

 

Savings and Investments

 

Asset Accumulation: Detailed plans are outlined to reach desired asset levels and to insulate clients from the effects of inflation.

 

Investment Management: The best long-term results are achieved by consistently addressing the risk elements associated with investing.  St. Louis Financial Planners utilizes a variety of defensive-oriented programs to consistently grow capital and minimize volatility.

 

Income: For many clients, particularly retirees, balancing consistent income needs while preserving purchasing power and protecting principal is a mandatory consideration.

 

 

Supervision

 

To those who consistently maintain excellence, the past and future are merely reference points.  The present is all that matters.  Disciplined attentiveness to the present is a universal imperative in the achievement of success.

 

In dynamic financial environments, supervision is beyond prudent - it is mandatory.  It helps identify potential hazards and opportunities at early stages.  St. Louis Financial Planners knows that constant supervision is the best possible service they can provide.

 

Clients are kept informed through meetings, periodic portfolio reports and financial updates.  Members of the firm log thousands of travel miles each year to review, with a variety of experts, current factors which may impact their clients' financial position.  St. Louis Financial Planners also monitors general economic conditions bringing essential information into client meetings.

 

Over the long term, vigilance is the catalyst that enables a Strategic Financial Plan to successfully meet the challenges and opportunities that invariably arise.

 

 

Flexibility

 

Good decisions broaden future options.

 

Albert Einstein once commented, “The significant problems that we face cannot be solved by the same level of thinking that created them.”  Using conservative principles as a base, St. Louis Financial Planners builds flexible strategies that position clients to capitalize on opportunities, and if necessary, shift to avoid adverse conditions.

 

St. Louis Financial Planners continually seeks out client-oriented solutions.  In 1976, the firm introduced a “buy term and invest the difference” philosophy to their clients at a time when overwhelming conventional wisdom was to use traditional whole life.  That innovation is now a standard practice in most circumstances.  This and other progressive investment techniques are centered on the best interests of those they represent.

 

Strategic Financial Planning provides clients of St. Louis Financial Planners with the broadest range of options to consistently secure their financial goals.

 

 

Dependability

 

“Dependable” is a description that is earned over time.  It is defined as “being worthy of trust.”  Integrity, consistency and perseverance are the building blocks of dependability.

 

Being rock solid dependable has earned St. Louis Financial Planners a distinction of trust.  For the past 10 years, the firm has been privileged to gain all new client relationships via referrals.  During nearly a quarter of a century of proud service to over 1500 clients, they have experienced many financial and life milestones.

 

In addition to acting as a sounding board for a variety of financially related questions, St. Louis Financial Planners monitors over 100 million dollars of their clients’ hard earned investment dollars.  Their clients appreciate the level of service provided by the firm that is often lost in this faceless, fast-paced modern world.

 

St. Louis Financial Planners realizes the importance of quality money management.  They know the impact it may have on how their clients and families live their lives.  St. Louis Financial Planners appreciates the trust placed in their company.  They value and carefully guard that trust and understand what must be done to earn and maintain it.