Best Financial Advisors in St Louis, Missouri

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If you live on the right side of the Golden Arch and are looking for a financial advisor, you’ve come to the right people. Benzinga took stock of the best financial advisors in St. Louis, Missouri, to help you make the most informed selection.

Best Financial Advisors in St. Louis, Missouri Near You:

  • Best for Estate Planning: Clayton Financial Group
  • Best Robo-Advisor: M1 Finance
  • Best for Women Investors: Clarity Financial Planners
  • Best Mobile App: Betterment
  • Best Portfolio Analysis: Personal Capital
  • Best for Family Wealth Planning: Matter Family Planning
  • Best for Finding Custom Financial Advisors: SmartAsset

Best for Estate Planning: Clayton Financial Group

With 50 years of collective experience among its managing partners and clients in 29 states, Clayton Financial Group (CFG) offers a wealth of expertise to its clients. CFG’s motto is “Expect More,” meaning it goes above and beyond in all aspects of financial planning.

A fee-only firm, CFG will advise you on investment planning, financial planning, tax planning, estate planning, risk management, and 401(k) planning. Individuals, high-net-worth individuals, business entities, as well as retirement plans and retirement plan sponsors compose the firm’s client base.

The firm considers estate planning an integral part of any financial plan — and one that is mistakenly underprioritized. After identifying your goals, CFG will work side by side with your estate planning attorney to ensure your plan is legally compliant. 

The firm will go even further (Expect More!) by drawing from its network of estate lawyers to link you with one that fits your needs.

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CLAYTON FINANCIAL GROUP, LLC

CLAYTON FINANCIAL GROUP, LLC

$728,108,686
  • A percentage of assets under your management
  • Fixed fees (other than subscription fees)
No minimum
5
282
Yes
52
6
  • Financial planning services
  • Pension consulting services
Address

165 NORTH MERAMEC SUITE 130 ST. LOUIS MO, 63105

Phone number

(314) 446-3250

Best For
Customizable Robo Investing
Disclosure Your free trial (a $31.25 value) begins the date you enroll in the M1 Plus subscription, and ends 90 days after (“Free Trial”). Upon expiry of the Free Trial, your account is automatically billed an annual subscription fee of $125 unless you cancel under your Membership details in the M1 platform.

Best Robo-Advisor: M1 Finance

M1 Finance is a robo-advisor that keeps in you command of the investment strategy. M1 uses automatic rebalancing to align with your chosen portfolio mix.

An M1 Basic account has no management fees and a $100 minimum. A minimum balance of $25,000 gives you access to M1 Plus, which is $125 per year. Plus has the benefits of Basic but affords you further command over your finances by providing 2 trading windows per day.

You can choose from nearly 100 portfolio strategies or customize with low-cost, exchange-traded funds (ETFs), individual stocks and fractional shares. 

M1 is a favorite for experienced investors looking for the convenience of a robo-advisor. But that doesn’t mean you should shy away if you’re a beginner — people who like to teach themselves new skills may find M1 to their liking.

Best for Women Investors: Clarity Financial Planners

Clarity Financial Planners is an advisory firm that trains a keen eye on the unique needs of women investors. Clarity is a fee-only firm offering comprehensive financial planning and investment management.

Financial planning by Clarity may include retirement planning, structuring business sales and personal cash flow analysis, among other services. Investment strategy is customized and evidence-based. Strategies include modern portfolio theory, focusing on long-term asset allocation for high returns and low risk, tax optimization, as well as investing in mutual funds and ETFs.

The firm empowers female investors to take an active role in wealth management, giving you “clarity and confidence in your financial future” by engaging you in the planning process from start to end. 

Clarity applies this client-first perspective to its entire client base, which includes trusts, businesses and individuals.

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CLARITY FINANCIAL PLANNERS

CLARITY FINANCIAL PLANNERS

$53,286,761
  • A percentage of assets under your management
No minimum, $12,500 annual fee
N/A
N/A
No
29
2
  • Financial planning services
  • Pension consulting services
  • Selection of other advisers (including private fund managers)
  • Educational seminars/workshops
Address

8820 LADUE ROAD SUITE 203 ST. LOUIS MO, 63124

Phone number

314-548-2260

Pricing
0.25% annual fee
Account Minimum
$0

Best Mobile App: Betterment

Betterment is a robo-advisor that you keep in your pocket. The Betterment app is top rate, allowing you to manage your investments on-the-go with ease.

The platform offers 2 types of membership, Betterment Digital and Betterment Premium. Though only Betterment Premium affords direct access to direct financial advisors, you must maintain a minimum account balance of $100,000 and are subject to a management fee of 0.40% of assets under management (AUM). There is no account minimum and the management fee is only 0.25% of AUM for Betterment Digital. 

Available account options are individual and joint nonretirement accounts, IRAs, trusts, and you can link external accounts like a 401(k) for advising purposes only.

Investment strategy includes a socially responsible portfolio mix and the Goldman Sachs Smart Beta option, prioritizing higher returns through riskier options. The BlackRock Target Income portfolio relies on investing in bonds, aiming to capitalize on income and insulate from risk. 

Pricing
Fees range based on deposit amount and services used
Account Minimum
$100,000

Best Portfolio Analysis: Personal Capital

Personal Capital is a robo-advisor that provides you a holistic view of your finances to give you a clear vision of how your portfolio is working. 

To access a team of advisors from Personal Capital, you’ll need $100,000 to begin. At $200,000, Personal Capital assigns 2 financial advisors for a more dedicated approach. Fees range from 0.89% or 0.49% of AUM.

Comprehensive financial planning is available to all clients, but Personal Capital restricts estate planning to users with at least a $1 million account balance. Portfolio strategy focuses on alignment with clients goals, tax optimization and diversification.

Personal Capital is for investors who would like an advisor to take the wheel but want an unclouded view of the management and performance of their investments.

Best for Family Wealth Planning: Matter Family Planning

Matter Family Planning is a firm with offices in St. Louis as well as in Denver, Colorado, and Dallas, Texas. Matter offers advisory services with 3 main components: Investment Management, Wealth Planning and Coordination, and Family Culture and Legacy. The firm exclusively serves individuals and their families.

Matter approaches your wealth management by treating your whole family as 1 client though their Family Culture and Legacy services, engaging with each family member to ensure future financial security. The firm considers preparation, communication, and alignment as key pillars to familial financial planning.

Matter will even make an effort to foster open communication with the younger generations of your family to prepare them how to smartly manage inheritance or transition into leadership roles within the family business.

While Matter has a relatively high account minimum, they will take on smaller accounts from time to time. They are a fee-only firm with a structured fee tier ranging from 0.25% to 1.0% of AUM.

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MATTER FAMILY OFFICE

MATTER FAMILY OFFICE

$2,428,409,909
  • A percentage of assets under your management
  • Fixed fees (other than subscription fees)
$5,000,000
N/A
40
Yes
10
4
  • Financial planning services
  • Selection of other advisers (including private fund managers)
  • Educational seminars/workshops
  • CREATE & ADMINISTER LLC'S TO POOL CLIENT FUNDS TO INVEST IN SEPARATELY MANAGED INVESTMENT VEHICLES.
Address

7711 BONHOMME AVENUE SUITE 400 CLAYTON MO, 63105

Phone number

314-862-5190

Best for Finding Custom Financial Advisors: SmartAsset

Find the right financial advisor to prepare for your future. SmartAsset‘s platform connects investors, soon-to-be-retirees and retirees with financial advisors from across the country. 

As the first comprehensive solution for easily and securely pairing investors with financial advisors, SmartAsset provides you with free and secure access to the financial advisor marketplace and sources advisors that are right specifically for you based on your location, assets and personal preferences. 

Answer a brief survey regarding your preparedness for retirement, investment style and contact information, so SmartAsset’s algorithm can match you with the best financial advisor for you.

Frequently Asked Questions

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Can I talk to a financial advisor for free?

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Can I talk to a financial advisor for free?
asked
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While financial advisors typically charge for their services, many offer free first-time consultations to prospective clients.

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Q

Do I need a financial advisor for retirement?

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Do I need a financial advisor for retirement?
asked
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Hiring a financial advisor to guide you through retirement planning can be helpful. A professional will navigate retirement-specific concerns with you, like reducing your tax obligations and picking low risk investments that will grow your accumulated income.

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Q

Which certifications should my financial planner have?

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Which certifications should my financial planner have?
asked
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A financial planner should be a Certified Financial Planner™ (CFP®), certified public accountant (CPA) or chartered financial analyst (CFA). A CFP® is the most comprehensive financial planning certification. CPAs are specialists in accounting and tax planning. CFAs focus on investment and financial analysis.

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Can a Financial Planner Help You?

Whether you have a niche financial goal or generally want to ensure you’re taking the right steps to financial security, a financial planner can offer you professional guidance.

Methodology

To determine the top financial advisors in St. Louis, Missouri, we pored through all SEC-registered advisory firms who have an office in St. Louis. To winnow down the list we only included advisors who were registered fiduciaries, had no past disclosures and have minimal personal conflicts of interest. To further break down the list to the true top advisors in the area, we gave weight to advisors that offer both investment management and planning, have no conflicts of interest, have offices in multiple states, have a wrap fee program and over $50 million in assets under management.