# Financial advisors for people close to retirement in Missouri > For people close to retirement in Missouri, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include David Foster of Gateway Wealth Management, LLC, Jon Vance of Vance Financial Planning, LLC and John Davis of JKD Financial. Page: https://find.wellspent.co/audiences/pre-retirees/missouri/ 51 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to if you're close to retirement in Missouri? For people close to retirement in Missouri, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include David Foster of Gateway Wealth Management, LLC, Jon Vance of Vance Financial Planning, LLC and John Davis of JKD Financial. - [David Foster](https://find.wellspent.co/advisors/david-foster/), Gateway Wealth Management, LLC, Saint Louis. Holds the CFP and RICP. Fees on file: percentage of assets. - [Jon Vance](https://find.wellspent.co/advisors/jon-vance/), Vance Financial Planning, LLC, Springfield. Holds the CFP and EA. Fees on file: flat fee or retainer, hourly. - [John Davis](https://find.wellspent.co/advisors/john-davis/), JKD Financial, Springfield. Holds the CFP and EA. Fees on file: flat fee or retainer, hourly. - [Tedi Hughes](https://find.wellspent.co/advisors/tedi-hughes/), Destiny Capital, Lake Ozark. Holds the CFP. Fees on file: percentage of assets, flat fee or retainer. - [Jeffrey Laughlin](https://find.wellspent.co/advisors/jeffrey-laughlin/), Fidelis Financial Planning, Saint Charles. Holds the CFP. Fees on file: ongoing planning fee. - [Brad Tinnon](https://find.wellspent.co/advisors/brad-tinnon/), B.E.S.T. Wealth Management, St. Louis. Holds the CFP. Fees on file: percentage of assets, flat fee or retainer. ## How many fee-only financial advisors in Missouri work with people close to retirement? The Wellspent public graph lists 51 fee-only advisors for people close to retirement in Missouri, at 27 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for people close to retirement in Missouri located? Of the 51 fee-only advisors for people close to retirement in Missouri, 12 are in St. Louis, followed by 6 in Independence and 4 in Kansas City. ## How do fee-only advisors for people close to retirement in Missouri charge? The most common fee among fee-only advisors for people close to retirement in Missouri is a percentage of assets, used by 88% of the 51 with fees on file. Many use more than one: 55% charge fixed fees and 53% charge by the hour. ## How much do fee-only financial advisors charge in Missouri? Fee-only financial advisors in Missouri charge a median of $4,770 a year for ongoing planning. We found this across the published prices of 18 Missouri firms. ## How much does a one-time financial plan cost in Missouri? A one-time financial plan from a fee-only firm in Missouri has a median price of $2,000. We found this across the published prices of 14 Missouri firms. ## What credentials should a financial advisor for people close to retirement have? For people close to retirement, look for the CFP, RICP and EA. In Missouri, 53% of the 51 advisors listed hold the CFP. - CFP (53% of advisors listed): The CFP covers the whole transition. - RICP (2% of advisors listed): The RICP focuses on turning savings into income. - EA (4% of advisors listed): Enrolled agents help with the low-tax years before Social Security. ## How do Missouri advisors for people close to retirement compare with the rest of the US? 55% of fee-only advisors for people close to retirement in Missouri charge fixed fees, compared with 40% of the 2,969 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does Missouri tax Social Security? No. Missouri doesn't tax Social Security. Its treatment of IRA withdrawals and pensions has its own rules, so ask to see them in your plan. ## What should I ask a financial advisor if you're close to retirement in Missouri? - Can I retire when I want to, and what would change your answer? - How should my investments change in the years before I stop working? - How do I cover health insurance before Medicare? - What should I do with my 401(k) when I leave? - How does Missouri tax each source of my retirement income? ## How current is this list of fee-only advisors for people close to retirement in Missouri? Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Dan Reiter](https://find.wellspent.co/advisors/dan-reiter.md) | Prosperity Planning, Inc. | North Kansas City, Missouri | CFP, CPA | Percentage of assets | | [Danielle Harrison](https://find.wellspent.co/advisors/danielle-harrison.md) | Harrison Financial Planning | Columbia, Missouri | CFP, MBA | Percentage of assets, Ongoing planning fee | | [John Davis](https://find.wellspent.co/advisors/john-davis.md) | JKD Financial | Springfield, Missouri | CFP, EA | Flat fee or retainer, Hourly, One-time planning fee, Ongoing planning fee | | [Jon Vance](https://find.wellspent.co/advisors/jon-vance.md) | Vance Financial Planning, LLC | Springfield, Missouri | CFP, EA | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Lei Deng](https://find.wellspent.co/advisors/lei-deng.md) | Core Planning, LLC | Saint Louis, Missouri | CFP, CFA | Percentage of assets, Flat fee or retainer, Hourly, One-time planning fee | | [Michael Hunsberger](https://find.wellspent.co/advisors/michael-hunsberger.md) | Next Mission Financial Planning | Saint Charles, Missouri | CFP, ChFC, CCFC | Flat fee or retainer, Ongoing planning fee, One-time planning fee, Hourly | | [David Foster](https://find.wellspent.co/advisors/david-foster.md) | Gateway Wealth Management, LLC | Saint Louis, Missouri | CFP, RICP, CAP | Percentage of assets | | [Tom Kaminski](https://find.wellspent.co/advisors/tom-kaminski.md) | Twin Robins Capital, LLC | Kansas City, Missouri | CFP, CRPC | Percentage of assets, Fixed fees | | [Wakefield Hare](https://find.wellspent.co/advisors/wakefield-hare.md) | Greater Than Financial LLC | Savannah, Missouri | CFP | Percentage of assets, Ongoing planning fee, One-time planning fee | | [Ethan Bridgewater](https://find.wellspent.co/advisors/ethan-bridgewater.md) | Bridgewater Advisory Group LLC | Crystal City, Missouri | CFP, ChFC | Percentage of assets, Hourly, Fixed fees | | [Ryan Furlong](https://find.wellspent.co/advisors/ryan-furlong.md) | Parkwoods Wealth Partners | St Louis, Missouri | CFP | Percentage of assets | | [Brad Tinnon](https://find.wellspent.co/advisors/brad-tinnon.md) | B.E.S.T. Wealth Management | St. Louis, Missouri | CFP | Percentage of assets, Flat fee or retainer | | [Tedi Hughes](https://find.wellspent.co/advisors/tedi-hughes.md) | Destiny Capital | Lake Ozark, Missouri | CFP | Percentage of assets, Flat fee or retainer | | [Garrett Gould](https://find.wellspent.co/advisors/garrett-gould.md) | Halyard Financial | St. Louis, Missouri | CFP | Percentage of assets | | [James Hofman](https://find.wellspent.co/advisors/james-hofman.md) | Hofman Wealth Management | Chesterfield, Missouri | CFP | Percentage of assets | | [Nicholas Allgeyer](https://find.wellspent.co/advisors/nicholas-allgeyer.md) | Worley Banks Group | Creve Coeur, Missouri | CFP | Percentage of assets | | [Robert Hofman](https://find.wellspent.co/advisors/robert-hofman.md) | Hofman Wealth Management | Chesterfield, Missouri | CFP | Percentage of assets | | [Austin Drake](https://find.wellspent.co/advisors/austin-drake.md) | Sterneck Capital Management | Kansas City, Missouri | CFP | Percentage of assets, Fixed fees | | [Steven Erickson](https://find.wellspent.co/advisors/steven-erickson.md) | Erickson Financial Solutions | Jefferson City, Missouri | CFP | Hourly, Ongoing planning fee, One-time planning fee | | [Samuel Heveroh](https://find.wellspent.co/advisors/samuel-heveroh.md) | Stonebridge Financial Group | St. Louis, Missouri | CFP | Percentage of assets, Hourly, Fixed fees | | [Brandon Oliver](https://find.wellspent.co/advisors/brandon-oliver.md) | Oliver Wealth Management | St. Louis, Missouri | | Ongoing planning fee | | [Daniel Berg](https://find.wellspent.co/advisors/daniel-berg.md) | B.E.S.T. Wealth Management | St. Louis, Missouri | | Percentage of assets, Flat fee or retainer | | [Jeffrey Laughlin](https://find.wellspent.co/advisors/jeffrey-laughlin.md) | Fidelis Financial Planning | Saint Charles, Missouri | CFP | Ongoing planning fee | | [Ryan Bowman](https://find.wellspent.co/advisors/ryan-bowman.md) | Maxele Advisors | Webster Groves, Missouri | CFP | Percentage of assets, Hourly, Fixed fees | | [Stephen Erken](https://find.wellspent.co/advisors/stephen-erken.md) | Maxele Advisors | Webster Groves, Missouri | CFP | Percentage of assets, Hourly, Fixed fees | | [Andrew Flattery](https://find.wellspent.co/advisors/andrew-flattery.md) | Flattery Wealth Management | North Kansas City, Missouri | CFP | Percentage of assets, Hourly, Fixed fees | | [Bogdan Niciu](https://find.wellspent.co/advisors/bogdan-niciu.md) | 4-C Wealth | Creve Coeur, Missouri | | Percentage of assets, Fixed fees | | [Brian Ismert](https://find.wellspent.co/advisors/brian-ismert.md) | Equity Wealth Partners | Independence, Missouri | CFP | Percentage of assets, Hourly, Fixed fees | | [Derrick Barger](https://find.wellspent.co/advisors/derrick-barger.md) | Equity Wealth Partners | Independence, Missouri | CFP | Percentage of assets, Hourly, Fixed fees | | [Eldon Anderson](https://find.wellspent.co/advisors/eldon-anderson.md) | Equity Wealth Partners | Independence, Missouri | CFP | Percentage of assets, Hourly, Fixed fees | | [Fetzer Crockett](https://find.wellspent.co/advisors/fetzer-crockett.md) | 4-C Wealth | St. Louis, Missouri | | Percentage of assets, Fixed fees | | [John Hofman](https://find.wellspent.co/advisors/john-hofman.md) | Hofman Wealth Management | Chesterfield, Missouri | | Percentage of assets | | [Paul Banks](https://find.wellspent.co/advisors/paul-banks.md) | Worley Banks Group | Creve Coeur, Missouri | | Percentage of assets | | [Theodore Hellman](https://find.wellspent.co/advisors/theodore-hellman.md) | Hofman Wealth Management | Chesterfield, Missouri | | Percentage of assets | | [Timothy Banks](https://find.wellspent.co/advisors/timothy-banks.md) | Worley Banks Group | Creve Coeur, Missouri | | Percentage of assets | | [Brandie Giffin](https://find.wellspent.co/advisors/brandie-giffin.md) | Sterneck Capital Management | Kansas City, Missouri | | Percentage of assets, Fixed fees | | [Robin Sterneck](https://find.wellspent.co/advisors/robin-sterneck.md) | Sterneck Capital Management | Kansas City, Missouri | | Percentage of assets, Fixed fees | | [Cole Myers](https://find.wellspent.co/advisors/cole-myers.md) | Stonebridge Financial Group | St. Louis, Missouri | | Percentage of assets, Hourly, Fixed fees | | [James Gura](https://find.wellspent.co/advisors/james-gura.md) | Stonebridge Financial Group | St. Louis, Missouri | | Percentage of assets, Hourly, Fixed fees | | [Jeffrey Heveroh](https://find.wellspent.co/advisors/jeffrey-heveroh.md) | Stonebridge Financial Group | St. Louis, Missouri | | Percentage of assets, Hourly, Fixed fees | | [Matthew Myers](https://find.wellspent.co/advisors/matthew-myers.md) | Stonebridge Financial Group | St. Louis, Missouri | | Percentage of assets, Hourly, Fixed fees | | [Michael Myers](https://find.wellspent.co/advisors/michael-myers.md) | Stonebridge Financial Group | St. Louis, Missouri | | Percentage of assets, Hourly, Fixed fees | | [Timothy Nenninger](https://find.wellspent.co/advisors/timothy-nenninger.md) | Stonebridge Financial Group | St. Louis, Missouri | | Percentage of assets, Hourly, Fixed fees | | [Andrew Matz](https://find.wellspent.co/advisors/andrew-matz.md) | Oak Road Wealth Management | Lee'S Summit, Missouri | | Percentage of assets, Hourly, Fixed fees | | [Daniel Shepard](https://find.wellspent.co/advisors/daniel-shepard.md) | Oak Road Wealth Management | Lee'S Summit, Missouri | | Percentage of assets, Hourly, Fixed fees | | [Michael Murff](https://find.wellspent.co/advisors/michael-murff.md) | Oak Road Wealth Management | Lee'S Summit, Missouri | | Percentage of assets, Hourly, Fixed fees | | [Daniel Michaud](https://find.wellspent.co/advisors/daniel-michaud.md) | FYRA Capital Management | St. Charles, Missouri | | Percentage of assets, Hourly, Fixed fees | | [Jason Anderson](https://find.wellspent.co/advisors/jason-anderson.md) | Equity Wealth Partners | Independence, Missouri | | Percentage of assets, Hourly, Fixed fees | | [Jeffrey Anger](https://find.wellspent.co/advisors/jeffrey-anger.md) | Equity Wealth Partners | Independence, Missouri | | Percentage of assets, Hourly, Fixed fees | | [Megan Miener](https://find.wellspent.co/advisors/megan-miener.md) | FYRA Capital Management | St. Charles, Missouri | | Percentage of assets, Hourly, Fixed fees | Showing the first 50 of 51. The full list, page by page: https://find.wellspent.co/audiences/pre-retirees/missouri/?page=2 ## Related - [Retirement planning in Missouri](https://find.wellspent.co/specialties/retirement-planning/missouri.md) - [Tax planning in Missouri](https://find.wellspent.co/specialties/tax-planning/missouri.md) - [Estate planning in Missouri](https://find.wellspent.co/specialties/estate-planning/missouri.md) - [Family wealth transfer in Missouri](https://find.wellspent.co/specialties/family-wealth-transfer/missouri.md) - [Executives in Missouri](https://find.wellspent.co/audiences/executives/missouri.md) - [Small business owners in Missouri](https://find.wellspent.co/specialties/small-business-owners/missouri.md) ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).