Fee-Only Retirement Planning Services

Retirement planning that considers your present as you plan for your future.

SERVING THE ST. LOUIS REGION

"Does planning for retirement mean I have to stop spending now?"

With the right strategy, you will be able to retire when you decide it’s time. And that’s without having to make major sacrifices today in order to save for tomorrow.
At Toberman Wealth, we believe you should be able to live comfortably in your day-to-day lives now and in the future. We’ll take care to reverse-engineer a plan that allows you to set and meet your long-term goals and live the life you want to live today. Our integrated approach to retirement planning considers your:
Our mission is to ensure there is never a missed goal, family conflict, or miscommunication due to a lack of planning, coordination, or organization around money.

The Toberman Wealth approach to retirement planning:

1. Long-Term Goals

We’ll discuss your financial needs and what you want from retirement. We evaluate what you should be saving based on your current income and projected future earnings when you want to retire, and how much you’re planning to leave behind to your loved ones.

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.

4. Long-Term Relationship

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.

Want to Learn More?

Contact us to start building your future retirement.

Services included in Toberman Wealth’s Fee-Only Retirement Planning

Investment Planning and Management

Toberman Wealth works with you to create an investment portfolio that:

Pre-Retirement Planning

How much do you need to save in order to retire by a certain age? That depends on how you see your post-retirement life. We’ll ask important questions that affect our savings and investment strategy:

Cash Flow Planning and Budgeting

For most people, the object of retirement planning is not to see how big your portfolio can get, but to maximize their chances of maintaining a state of comfortable financial independence for the rest of our life. Toberman Wealth ensures you can have the retirement you want and still maintain a high quality of life now.

Estate Planning and Wealth Preservation

The primary goal of your estate plan is to preserve your wealth, and to pass it on to your designated beneficiaries in your chosen manner. Whether your focus is to:

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.

Retirement Planning 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 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.
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 Retirement?

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