# Financial advisors for retirement planning in St. Louis, Missouri > For retirement planning in St. Louis, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Mark Schweiss of Modern Dollar Planning, David Foster of Gateway Wealth Management, LLC and Craig Toberman of Toberman Becker Wealth, LLC. Page: https://find.wellspent.co/specialties/retirement-planning/missouri/st-louis/ 30 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 about retirement planning in St. Louis? For retirement planning in St. Louis, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include Mark Schweiss of Modern Dollar Planning, David Foster of Gateway Wealth Management, LLC and Craig Toberman of Toberman Becker Wealth, LLC. - [Mark Schweiss](https://find.wellspent.co/advisors/mark-schweiss/), Modern Dollar Planning, St. Louis City. Holds the CFP and CPA. Fees on file: flat fee or retainer, one-time planning fee. - [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. - [Craig Toberman](https://find.wellspent.co/advisors/craig-toberman/), Toberman Becker Wealth, LLC, St. Louis City. Holds the CFP and CPA. Fees on file: percentage of assets. - [Ryan Furlong](https://find.wellspent.co/advisors/ryan-furlong/), Parkwoods Wealth Partners, St Louis. Holds the CFP. Fees on file: percentage of assets. - [Lei Deng](https://find.wellspent.co/advisors/lei-deng/), Core Planning, LLC, Saint Louis. Holds the CFP. Fees on file: percentage of assets, flat fee or retainer. - [Brad Tinnon](https://find.wellspent.co/advisors/brad-tinnon/), B.E.S.T. Wealth Management, St. Louis City. Holds the CFP. Fees on file: percentage of assets, flat fee or retainer. ## How many fee-only financial advisors in St. Louis work on retirement planning? The Wellspent public graph lists 30 fee-only advisors for retirement planning in St. Louis, at 15 firms. We counted every advisor record that lists this work, as of October 2026. ## How do fee-only advisors for retirement planning in St. Louis charge? The most common fee among fee-only advisors for retirement planning in St. Louis is a percentage of assets, used by 93% of the 30 with fees on file. Many use more than one: 63% charge by the hour and 57% charge fixed fees. ## 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 retirement planning have? For retirement planning, look for the RICP, CFP and CPA. In St. Louis, 47% of the 30 advisors listed hold the CFP. - RICP (3% of advisors listed): The RICP is built around retirement income specifically. - CFP (47% of advisors listed): The CFP covers income, tax, insurance, and estate decisions together. - CPA (7% of advisors listed): CPAs help with the tax side of withdrawals. ## How do St. Louis advisors for retirement planning compare with the rest of the US? 63% of fee-only advisors for retirement planning in St. Louis charge by the hour, compared with 45% of the 7,304 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 about retirement planning in St. Louis? - How do you decide which accounts I draw from first? - When would you have me claim Social Security, and why? - How do you handle a bad market in my first years of retirement? - Will you run Roth conversion scenarios for me each year? - How does Missouri tax each source of my retirement income? ## How current is this list of fee-only advisors for retirement planning in St. Louis? 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 | |---|---|---|---|---| | [Craig Toberman](https://find.wellspent.co/advisors/craig-toberman.md) | Toberman Becker Wealth, LLC | St. Louis, Missouri | CFA, CFP, CPA, MBA | Percentage of assets | | [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 | | [David Foster](https://find.wellspent.co/advisors/david-foster.md) | Gateway Wealth Management, LLC | Saint Louis, Missouri | CFP, RICP, CAP | Percentage of assets | | [Mark Schweiss](https://find.wellspent.co/advisors/mark-schweiss.md) | Modern Dollar Planning | St. Louis, Missouri | CFP, CFA, CPA | Flat fee or retainer, One-time planning fee, Ongoing planning fee | | [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 | | [Christopher Battreall](https://find.wellspent.co/advisors/christopher-battreall.md) | Precision Wealth Strategies | St. Louis, Missouri | CFP | Percentage of assets, Hourly, Fixed fees | | [Spencer Funk](https://find.wellspent.co/advisors/spencer-funk.md) | Precision Wealth Strategies | St. Louis, Missouri | CFP | Percentage of assets, Hourly, Fixed fees | | [Garrett Gould](https://find.wellspent.co/advisors/garrett-gould.md) | Halyard Financial | St. Louis, Missouri | CFP | Percentage of assets | | [Joseph Darpel](https://find.wellspent.co/advisors/joseph-darpel.md) | Smart Steps Wealth Management | St. Louis, Missouri | CFP | Percentage of assets, Fixed fees | | [Michael Brady](https://find.wellspent.co/advisors/michael-brady-5811931.md) | Brady Family Wealth | Saint Louis, Missouri | CFP | Percentage of assets, Hourly, Fixed fees | | [Robert Barrale](https://find.wellspent.co/advisors/robert-barrale.md) | KEB – Kerber, Eck & Braeckel | St. Louis, Missouri | CFP | Percentage of assets, Hourly | | [Thomas Brady](https://find.wellspent.co/advisors/thomas-brady.md) | Brady Family Wealth | Saint Louis, Missouri | CFP, CFA | Percentage of assets, Hourly, Fixed fees | | [Matthew Lambdin](https://find.wellspent.co/advisors/matthew-lambdin.md) | Method Finance | St. Louis, Missouri | CFA | Percentage of assets, Flat fee or retainer, Ongoing 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 | | [Alexander Hoover](https://find.wellspent.co/advisors/alexander-hoover.md) | Precision Wealth Strategies | St. Louis, Missouri | | 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 | | [Darin Robinson](https://find.wellspent.co/advisors/darin-robinson.md) | Precision Wealth Strategies | St. Louis, Missouri | | Percentage of assets, Hourly, Fixed fees | | [Gina Reeves](https://find.wellspent.co/advisors/gina-reeves.md) | KEB – Kerber, Eck & Braeckel | St. Louis, Missouri | PFS | Percentage of assets, Hourly | | [Nathan Cameron](https://find.wellspent.co/advisors/nathan-cameron.md) | Precision Wealth Strategies | St. Louis, Missouri | | Percentage of assets, Hourly, Fixed fees | | [Steven Dumstorff](https://find.wellspent.co/advisors/steven-dumstorff.md) | KEB – Kerber, Eck & Braeckel | St. Louis, Missouri | PFS | Percentage of assets, Hourly | | [Trevor O'Connor](https://find.wellspent.co/advisors/trevor-o-connor.md) | Precision Wealth Strategies | St. Louis, Missouri | | 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 | | [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 | ## Related - [Tax planning in St. Louis](https://find.wellspent.co/specialties/tax-planning/missouri/st-louis.md) - [Estate planning in St. Louis](https://find.wellspent.co/specialties/estate-planning/missouri/st-louis.md) - [Family wealth transfer in St. Louis](https://find.wellspent.co/specialties/family-wealth-transfer/missouri/st-louis.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).