Tax Planning with a Financial Advisor

Our financial advisory and CPA financial planner expertise delivers robust tax planning that reduces your tax burden.

SERVING THE ST. LOUIS REGION

"Keep more of what’s yours."

Many people want to know how they can lower their tax bill – but what if you approached your taxes so they systematically decreased every year and reduced the amount your descendants paid in the future?
Craig Toberman’s past experience as a CPA financial planner allows him to deliver holistic tax planning. Toberman Wealth’s advanced planning structures your portfolio in a way that helps minimize your income tax, capital gains tax, gift tax, and estate tax obligations so that your legacy can last as long as possible.

How Toberman Wealth Reduces Your Tax Burden

Toberman Wealth reviews the following to reduce your tax burden:

Our Financial Advisory and Tax Planning Process

1. Evaluate Current Assets and Long-Term Goals

Once we understand the assets you own, we'll help you think about what you want them to do for you in the future.

2. Create a Tax Strategy

We’ll work closely with your CPA to organize your short-term tax liabilities while using long-range forecasting to minimize liabilities. Our strategy emphasizes Roth conversions, proactive gifting, tax loss harvesting, estate tax modeling, tax-efficient wealth transfer strategies, and contributions to tax-free 529 college savings plans.

3. Financial Projections and Analysis

We use specialized financial planning software combined with our tax planning expertise to illustrate and quantify your lifetime tax savings.

4. Long-Term Relationship

We cultivate relationships with clients for the long-term and you can contact us at any time to discuss tax issues that impact your portfolio.

Need help with a tax strategy that boosts your portfolio?

Contact us for help mitigating your taxes to align with your financial goals.

How We Mitigate Your Tax Liabilities

1

Long-Range Forecasting

We look beyond our clients’ immediate tax liabilities to the future to minimize the total amount they’ll pay in taxes in the short- and long-term, and how much their inheritors will have to pay in the future.

2

Planning for Future Tax Liabilities

Traditional IRAs and other pre-tax retirement accounts have yet to be taxed. That means, by definition, the government owns a share in those accounts, which can change at any time. We help clients be proactive in settling up this tax liability on their own terms, in years when it is most favorable to them.

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.

Tax Planning FAQ

Toberman Wealth provides a concierge level of service, built from the ground up, that exceeds what is possible at other firms. 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.
As a fee-only financial planning firm, we have committed to only being compensated by clients. We don’t accept fees or commissions from the sale of financial products. This eliminates 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. As financial planners, we also offer tax planning services as they impact your portfolio. Because we are fee-only and we offer tax planning services, people may think of us as fee-only tax planners. However, note that we do not offer tax planning as a standalone service – our tax planning services are part of our holistic solution to managing your financial portfolio.
We charge a 0.75% fee for all assets we manage. This percentage doesn’t increase depending on your case’s complexity, or the services you need as your financial life evolves. There’s no catch and no fine print, we believe in making it easy for everyone to understand!
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.
Yes, we work with clients all over the United States.
We welcome you to visit this link to learn more about Toberman Wealth.

Ready to discuss a tax strategy aligned with your portfolio?

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