SERVICE OVERVIEW

Wealth Management

Because the value of money is your peace of mind. 

A Holistic Approach Matters

With one eye on your total financial picture, we model a variety of scenarios to help you understand how different decisions impact each other. Can you afford that vacation home? Will retiring early affect your children's education? Our goal is to bring you peace of mind, so you can enjoy the life you've worked so hard to build. 

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DEFINE LIFE GOALS

We'll meet with you to understand your current situation, concerns and goals. Your vision for the future becomes the foundation of your custom plan.

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DEVELOP STRATEGY

With a personalized roadmap, you can be confident you're on track to reach your goals—no matter what curve balls life may throw.

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EDUCATE FAMILY

It's important that your family also understands the complexities of wealth. We'll help advise and educate your loved ones in an age- and situationally appropriate way.

What We Offer

  • Investment Management
  • Financial Planning
  • Estate Planning
  • Income Tax Planning
  • Retirement Planning
  • Insurance Planning
  • Charitable Giving

Investment Management

Investing can be complicated, but an effective strategy doesn't have to be.

Our investment approach is rooted in decades of Nobel Prize-winning academic research. Rather than trying to beat the market, we harness its power to help you accomplish your financial life goals.

Financial Planning

Our holistic planning approach takes into account all aspects of your financial life. We'll help you understand which levers to pull, while using your investments as one of many tools to help you reach financial freedom.

That means you can spend less time worrying you're doing the right things, and more time enjoying your life and loved ones.

Estate Planning

If something were to happen to you, would your family be ok? 

This isn't a fun topic, but it's a necessary one. By getting your estate plan in place, you'll gain peace of mind knowing your loved ones would be cared for. Plus, there's a level of comfort in the assurance that your wishes will be carried out exactly as you like, without placing an additional burden on your family.

Income Tax Planning

A paycheck is only as good as its ability to help you reach your goals.

By making tax-smart decisions and putting money in the right buckets, you can maximize your income's ability to work for you. We'll discuss your goals for your retirement, loved ones and the causes you care about to make sure you're prioritizing your financial decisions appropriately. 

Retirement Planning

Life after retirement looks different for everyone. Whether your vision is to downsize and travel the world, buy your dream home, spend more time with your family or even start a new career, it's important to know that end goal up front so you can work toward it.

We'll work with you to define what is most important to you, so we can create the right roadmap to help you get there. Then, we'll proactively monitor that plan as needed to make sure you end up where you want.

Insurance Planning

Accidents happen not only on the job but also at home – and illness can strike anyone. Our insurance planning can uncover and fix holes to create a comprehensive financial plan. 

Charitable Giving

It might shock you just how many planning strategies there are to help you reach your philanthropic goals. By understanding what's most important to you, we can help you leverage the right vehicles at the appropriate times to make the most powerful impact.

We'll also weigh options that will allow you to see your wealth working for the greater good—today.

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Frequently Asked Questions

How do you get paid?

Our only compensation comes from the fees our clients pay us to manage their investments and provide financial advice. In the financial planning world, this is commonly referred to as a “fee-only” approach. Fees are calculated as a percentage of clients’ AUM (assets under management).

Because we receive no compensation from the products we recommend, you can feel comfortable knowing we are always looking out for you, not focusing on selling commission-based products or other agendas. This ensures that our advice is independent, objective and intended to be in your best interest.

How would you invest my assets?

Nearly 40 years of academic research—which includes Nobel Prize-winning work—has shown that traditional active money managers fail to consistently outperform the market. So, rather than adhering to the Wall Street approach of making investment decisions based on conjecture (and advisors who push commissioned products), we combine practical investment strategies with solid academic research. Our investment philosophy concentrates on creating globally diversified portfolios, which we constantly monitor to maintain their agreed upon asset allocation and never trade in response to speculation or overreaction.

What can I expect in a relationship if I became a client?

Each of our clients has a dedicated team of advisors made up of a Wealth Manager, a Financial Planner and a Client Service Representative. You’ll meet at least annually with the members of your specific team, and we may also pull in other specialists, depending on your personal needs.

No matter with whom you meet, you will always hear a consistent message from our team. We all agree on the best ways to deal with our clients’ planning needs. We all agree on the investment style we recommend. And we all provide impartial advice that is free from hidden financial incentives.

What makes you different from other advisors?

We believe in maintaining absolute transparency with our clients and always put their interests ahead of our own. This philosophy has served us well, as we have built long-lasting relationships with clients across the country over more than 35 years of business. As a client of Plancorp, you can be certain there are no hidden fees or agendas, just a life advocate who is looking out for what’s best for you and your family.

What is the minimum for working with Plancorp?

Plancorp does not have an account minimum for who may become a client, but we do have a minimum monthly fee for individuals: $500. This gives us the flexibility to serve clients who are accumulating assets or have upcoming life events. Even if we are not the right fit, we may be able to help you find someone who can assist with your needs.

For more information on minimum fees for our Exit Strategy and Retirement Plan Advisor segments, please contact those divisions directly.

Who holds my money?

As a client of Plancorp, your assets will be held by a third-party custodian, TD Ameritrade, Charles Schwab or Fidelity. Plancorp never takes ownership of any of your assets, which remain in a separate account that you own. Your custodian will provide you with independent account statements showing all holdings and activity in your accounts.

Can you work with my children to help them manage their financial lives as well?

Absolutely. We take a multigenerational approach geared toward educating you, as well as your children, about planning for the future. We take pride in providing our clients with the information they need to understand the “why” behind the investment and planning recommendations we make. That education often extends to future generations as we often coach their children and give them a foundation for making wise decisions on their own.

Your Team

As a client of Plancorp, you have access to our entire group of advisors—some of whom were practicing CPAs and attorneys in past lives. A dedicated team of five will handle your core planning and investment management, but, should any nuanced needs arise, we'll pull in the right mix of talent for your specific situation. 

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Brian King, CFP®, C.P.A.

Chief Planning Officer

SaraGeimer-2203

Sara Gelsheimer, CFP®, AIF®

Senior Wealth Manager

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Daniel Lee, CFP®, CFA

Senior Wealth Manager