Because the value of money is your peace of mind.
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.
With a personalized roadmap, you can be confident you're on track to reach your goals—no matter what curve balls life may throw.
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.
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.
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.
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.
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.
Plancorp does not have an account minimum for who may become a client, but we do have a minimum annual fee for individuals: $5000. 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.
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.
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.
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.