Fee-Only Investment Advisor Services

A comprehensive, holistic investment advising that’s unique to every client.

SERVING THE ST. LOUIS REGION

"You can’t build your investment portfolio on numbers alone."

Traditional investment plans are built on the assumption that investors can stop thinking like humans and instead approach their portfolios with the rationality and precision of a machine. They base their recommendations on raw data, but while data is important, if it’s the only thing driving your investment plan, you might be set up for failure.
The truth is that investors are normal people with normal goals, normal feelings, and a perfectly normal, deeply rooted, need to stay secure. It’s impossible to only look at the numbers when creating a financial plan.
This is why Toberman Wealth focuses on a behavioral finance model when creating financial plans. Many of our clients come to us with fears around investing. They:
As fiduciaries and investment advisors, it’s our job to also look at the behaviors and emotions driving our clients’ financial decisions so we can better understand how they operate as individuals. Then, we’re able to reverse-engineer a financial strategy that not only supports their long-term goals, but also eases their fears.
At Toberman Wealth, we bring thoughtfulness and care to your strategic financial plan.

The Toberman Wealth Approach to Investment Management:

1. Long-Term Goals

From our very first meeting, we’ll discuss your investment goals. Whether you’re hoping to increase your current annual earnings or determine a way to lower your investment risks, we can create a plan that will work for you.

2. Build a Portfolio

Bearing in mind both your long-term goals and your tolerance for risk, we’ll build a custom portfolio you can feel confident in.

3. Investment Analytics

We provide advanced portfolio reporting as well as consolidated performance and benchmark monitoring, plus you can monitor your portfolio’s performance on your own through provided access to Charles Schwab tools.

4. Long-term Relationship

Our comprehensive approach to investment management means you have us on your team. Have questions about your portfolio’s performance? Need to adjust your goals? We’re here when you need us. Meet with us at a frequency that works for you—or don’t, and still feel good knowing your retirement is still in good hands.

Ready to Learn More?

Contact us to discuss how our fee-only investment advisory services can help you.

Comprehensive Planning: an Investment Portfolio that Puts You in the Center

With a comprehensive approach to investing, we’ll think together through your entire financial and personal picture. It becomes a much more engaging, thoughtful, and personal process than traditional investment planning, and allows you to invest intentionally, in ways that align with your specific financial goals.
Some of the things we consider in a comprehensive investment planning approach are:

What is a Fee-Only Financial Advisor?

Serving Your Best Interest
As a fee-only financial advisory practice, we have committed to only being compensated by our clients. In other words, we don’t accept fees or commissions from the sale of financial products. We’re only paid by our clients, which mitigates potential conflicts of interest.
We are also bound by the fiduciary standard, a legal obligation to always put the interest of our clients above our own – and we take these obligations very seriously.
It’s an honor to work with our clients and to build lifelong relationships. This fee structure allows us to continually work in a way that’s truly best for you.

Our Fees

That being said, our fees are very straightforward. There’s no catch and no fine print, we believe in making it easy for everyone to understand.

Annual Advisory Fee

0.75%

Our annual advisory fee is assessed quarterly based on the market value of your assets under management. We work independently with Charles Schwab – so you can have peace of mind knowing your money stays safe with an established institution you can trust.

Investment Advising FAQ

Toberman Wealth provides a concierge level of service, built from the ground up. This allows us to invest in your future success—and it’s why we’re free of institutionalized sales quotas, legacy processes, or secondary agendas. Craig Toberman, Founder of Toberman Wealth, grew up in and attended school in the St. Louis region. He wants to help others here grow their wealth and the wealth of this community.
There’s no set schedule. We can meet as much or as little as you like, by request and on an ad hoc basis. We’ve found it’s better to meet as circumstances change, rather than waiting for a planned meeting that could still be months away.
We manage all types of investment accounts, including 401ks, Roth, SEP, Traditional and Simple IRAs, 403b plans, Self-Employment Retirement accounts, 529s, and more.

We are located at:

1741 S Big Bend Blvd

St. Louis, MO 63117

Craig Toberman holds a Bachelor of Science (B.S.) degree in Agricultural and Consumer Economics from the University of Illinois and a Master of Business Administration (M.B.A.) degree in Finance from Saint Louis University. He is a Certified Financial Planner (CFP), Chartered Financial Analyst (CFA) charterholder, and Certified Public Accountant (CPA). Craig is a member of the National Association of Personal Financial Advisors (NAPFA), Fee-Only Network, and XY Planning Network. He has recently been featured in both Bloomberg and Investor’s Business Daily. Craig is a member of the National Association of Personal Financial Advisors (NAPFA), Fee-Only Network, and XY Planning Network. He has recently been featured in both Bloomberg and Investor’s Business Daily.
We do our best work with investors and business owners who are over age 50 and either already retired or actively planning for their retirement.
We primarily work with clients in Missouri or Illinois, but can work with clients all over the United States.
We welcome you to visit this link and click Part 2 Brochures to learn more about Toberman Wealth.

Ready to Discuss Your Investments?

Book a call with us or schedule a visit to our St. Louis office.