# Financial advisors for retirees in Missouri > For retirees in Missouri, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include John Davis of JKD Financial, David Foster of Gateway Wealth Management, LLC and Jon Vance of Vance Financial Planning, LLC. Page: https://find.wellspent.co/audiences/retirees/missouri/ 39 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 as a retiree in Missouri? For retirees in Missouri, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include John Davis of JKD Financial, David Foster of Gateway Wealth Management, LLC and Jon Vance of Vance Financial Planning, LLC. - [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. - [David Foster](https://find.wellspent.co/advisors/david-foster/), Gateway Wealth Management, LLC, Saint Louis. Holds the RICP and CFP. 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. - [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. - [Michael Hunsberger](https://find.wellspent.co/advisors/michael-hunsberger/), Next Mission Financial Planning, Saint Charles. Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee. - [Ryan Furlong](https://find.wellspent.co/advisors/ryan-furlong/), Parkwoods Wealth Partners, St Louis. Holds the CFP. Fees on file: percentage of assets. ## How many fee-only financial advisors in Missouri work with retirees? The Wellspent public graph lists 39 fee-only advisors for retirees in Missouri, at 22 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for retirees in Missouri located? Of the 39 fee-only advisors for retirees in Missouri, 6 are in Independence, followed by 4 in Kansas City and 4 in St. Louis. ## How do fee-only advisors for retirees in Missouri charge? The most common fee among fee-only advisors for retirees in Missouri is a percentage of assets, used by 85% of the 39 with fees on file. Many use more than one: 49% charge fixed fees and 44% 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 retirees have? For retirees, look for the RICP, CFP and EA. In Missouri, 59% of the 39 advisors listed hold the CFP. - RICP (3% of advisors listed): The RICP focuses on income in retirement. - CFP (59% of advisors listed): The CFP covers tax, insurance, and estate decisions together. - EA (5% of advisors listed): Enrolled agents help with RMDs and Medicare surcharges. ## How do Missouri advisors for retirees compare with the rest of the US? 59% of fee-only advisors for retirees in Missouri hold the CFP, compared with 49% of the 3,334 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 as a retiree in Missouri? - How much can I spend each year, and how will you adjust it? - How do you plan around RMDs and Medicare premiums? - How would you pay for long-term care if I needed it? - What happens if I can't manage this myself, or my spouse dies first? - How does Missouri tax each source of my retirement income? ## How current is this list of fee-only advisors for retirees 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 | | [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 | | [David Zaegel](https://find.wellspent.co/advisors/david-zaegel.md) | CWOs for Hire | Town & Country, Missouri | CFP, CPA | Percentage of assets, Hourly, Fixed fees | | [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 | | [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 | | [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 | | [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 | | [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 | | [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 | | [Peyton Anderson](https://find.wellspent.co/advisors/peyton-anderson.md) | Equity Wealth Partners | Independence, Missouri | | Percentage of assets, Hourly, Fixed fees | ## 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) - [Pre-retirees in Missouri](https://find.wellspent.co/audiences/pre-retirees/missouri.md) - [Executives in Missouri](https://find.wellspent.co/audiences/executives/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).