Top Financial Advisors in St. Louis, MO

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Moneta Group Financial Advisors is a fee-only firm that works with both non-high-net-worth and high-net-worth individuals. Institutional clients are made up of pension and profit-sharing plans, charitable organizations and corporations.

The advisor team at Moneta has earned a number of certificaions, including Certified Financial Planner™ (CFP®), chartered financial advisor (CFA), certified public accountant (CPA), financial paraplanner qualified professional (FPQP), accredited wealth management advisor (AWMA), certified divorce financial advisor (CDFA), accredited investment fiduciary (AIF), accredited investment fiduciary analyst (AIFA), chartered life underwriter (CLU) and chartered financial consultant (ChFC).

Services offered at the firm include financial management, investment management, retirement plan services and retirement consulting. A variety of asset types are used at Moneta Group Investment Advisors. These include equities (used to produce dividend income and control capital gains exposure), fixed income (can include individual bonds, bond funds and CDs) and alternative investments (could include hedge funds or private capital). 

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Like most financial advisors, the primary service at Visionary is investment management. However, there are many different versions of financial planning you can also take advantage of. There is no specific account minimum for new clients of this firm. Visionary is fee-based, which means some advisors can receive commissions from securities sales. Despite this, advisors are required to act in your best interest due to their inherent fiduciary duty.

The team at Visionary Wealth Advisors holds multiple certifications, including Certified Financial Planner™ (CFP®), chartered advisors for senior living (CASLs) and chartered financial analysts (CFAs), among others. These advisors work almost entirely with non-high-net-worth and high-net-worth individuals, though the firm also manages assets for businesses.

Before investing your hard-earned money, Visionary Wealth Advisors will do a deep dive into the type of investor you are. For example, your advisor should know if you’re years away from retirement or if it’s around the corner. This will also involve identifying your risk tolerance, liquidity and income needs, time horizon, investment preferences and more.

Once it’s time to invest, the firm may choose to allocate your assets in multiple places. These typically include equities, ETFs, mutual funds, third-party model portfolios and cash equivalents.

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For every one high-net-worth individual Krilogy Financial works with, it has more than three non-high-net-worth counterparts. This ratio reflects the firm’s more significant focus on clientele with lower net worths compared to other firms on the list. Pension and profit-sharing plans, and charities are clients of this firm as well.

This fee-based firm employs certain advisors that sell insurance policies for commissions. However, the firm is a fiduciary, meaning it is legally bound to act in your best interests. This firm offers a variety of services, including portfolio management, financial planning, investment management, corporate retirement plan and maanged account programs. 

Risk tolerance and liquidity are two of the most essential factors that dictate what stocks will be in your investment portfolio. These can sometimes be incongruent, of course. For example, a high risk tolerance is not in sync with a need to maintain liquidity. Krilogy is prepared to handle issues such as these. As far as investment choices go, this firm keeps things simple, utilizing mostly exchange-traded funds (ETFs), mutual funds, bonds and equities. Krilogy uses these to keep your portfolio diversified.

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Plancorp is fee-only firms that serves both high-net-worth and non-high-net-worth clients, as well as pension and profit-sharing plans, charitable organizations and businesses. There is also no set account minimum at Plancorp. Services at Plancorp include financial planning, cash flow analysis, retirement planning, education fund analysis, estate planning, asset protection and wealth management.

Certifications earned by advisors at this firm include Certified Financial Planner™ (CFP®), accredited investment fiduciary (AIF), chartered financial analyst (CFA) and certified public accountant (CPA).

Modern portfolio theory is the main investing strategy used by advisors at Plancorp. This involves systemic diversification of a portfolio across multiple types of asset classes, such as stocks and bonds, or more commonly ETFs, mutual funds and separately managed accounts (SMAs).

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Financial & Tax Architects is a fee-based firm in St. Louis that works with individual investors and high-net-worth individuals, including people nearing retirement, retirees and clients planning for retirement income, long-term care needs and legacy planning. There is no set account minimum at Financial & Tax Architects. Services at the firm include discretionary investment management, financial planning and consulting, retirement planning, Social Security planning, 401(k) consulting, estate planning support, tax planning and educational seminars.

As a fee-based firm, some advisors may receive commissions from insurance or annuity sales through affiliated entities. However, the firm is a fiduciary, meaning it is legally bound to act in your best interests.

Financial & Tax Architects uses proprietary private wealth strategies that are generally designed to approximate specific market segments. Portfolios may be managed with lower-risk, moderate-risk or growth-oriented objectives, depending on a client’s investment goals, time horizon and risk tolerance.

Depending on your situation, the firm may allocate assets to ETFs, Treasury securities, individual securities, cash equivalents, fixed income, commodities and real estate-related investments. Some strategies may also use sector or country-specific exposure, as well as trend-following methods that can reduce or eliminate exposure to markets entering long-term downtrends.

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RubinBrown Advisors provides a range of investment advisory services to a diverse group of clients, including non-high-net-worth and high-net-worth individuals, as well as charities. The firm requires a minimum account size of $150,000 for portfolio management services. Services include investment advisory, strategic asset allocation and consulting.

The firm can assist you in constructing an investment portfolio with an appropriate asset allocation based on your risk profile and financial goals. Its advisors can also create one for you utilizing mutual funds and exchange-traded funds based on your financial situation and outlook. The firm manages these portfolios on a non-discretionary basis, meaning it will request your permission before making trades in your accounts. 

Depending on your situation, RubinBrown Advisors may allocate assets to ETFs, mutual fund shares, CDs, variable annuities, variable life insurance and more. If it deems the move appropriate, RubinBrown will suggest the assistance of third-party advisors. In these cases, you’d enter into a separate agreement with the third-party advisor, but RubinBrown would periodically monitor the performance of the outside manager.

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Matter Family Office is a fee-only firm that works primarily with high-net-worth families, multigenerational families, entrepreneurs, corporate executives, families in transition and individuals associated with client families. The firm is headquartered in Clayton, Missouri, and also has offices in Dallas and Denver. Matter may also work with donor-advised funds, foundations or nonprofit organizations created by existing clients in limited circumstances.

There is no set account minimum at Matter Family Office, though the firm lists a target minimum annual fee of $75,000. Services at the firm include investment management, wealth planning, asset allocation analysis, investment manager due diligence, performance reporting, cash management, bill pay oversight, tax and estate planning coordination, charitable giving administration and family office services.

Matter generally uses an endowment-style investment approach focused on diversification across asset classes, geography and investment style. Depending on the client’s situation, portfolios may include public equities, fixed income, international and emerging market investments, private equity, real estate, commodities, MLPs and other strategies. The firm uses both active and passive managers and follows an open architecture approach to manager selection.

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Argos Capital Partners works with ultra-high-net-worth individuals, as well as pooled investment vehicles, pension and profit-sharing plans, and foundations. There is no set account minimum at this fee-only firm but Argos may charge performance-based fees if your account overperforms.

If you’re looking for very particular advisory services at your next firm, Argos probably isn’t your best choice. Instead its service selection is fairly small and fluid, including the likes of retirement analysis, third-party investment reporting, in-person investment planning, investment portfolio review and investment policy statement creation.

Argos Capital Partners mainly practices passive index investing. However, you will not be rigidly forced into a portfolio style based on this strategy. Rather your advisor will take the time to design and build an asset allocation that aligns with your liquidity needs, time horizon, tax situation and risk tolerance.

ETFs and index funds in general have become all the rage in the investment world, and for good reason. Argos has followed this strategy, although it supplements these investments with other mutual funds, private equity funds, stocks, bonds, REITs, hedge funds and separately managed accounts.

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RBF Wealth Advisors is a fee-based firm that works with individuals, profit sharing plans, trusts, charitable organizations and businesses. There is no set account minimum for the firm's Standard Managed Account, though minimums may vary by service level and may be negotiable at the firm’s discretion. Services at RBF Wealth Advisors include investment management, asset allocation advice and monitoring, cash flow management, education funding strategies, retirement planning, estate planning and general financial planning and consulting.

As a fee-based firm, certain affiliated persons may receive commissions through broker-dealer or insurance affiliations. However, the firm is a fiduciary and must act in clients’ best interests.

RBF Wealth Advisors generally builds diversified portfolios using modern portfolio theory, with an emphasis on reducing risk and volatility. The firm may also use fundamental and technical analysis to screen investment options. Asset allocation is based on the client’s selected management style and custodial platform. Accounts may be managed on either a discretionary or non-discretionary basis. The firm also offers a wrap fee investment management program.