Our personalized financial planning services offer distinct advantages for individuals and families with complex financial needs, particularly if they have accumulated $1 million or more in investable assets. This asset amount is important because we have designed our services around clients who need more complex solutions for their financial futures.

As a high-net-worth individual, having a St. Louis financial advisor who understands all aspects of your financial situation can make a critical, meaningful difference. For example, your tolerance for risk drives all of our investment recommendations. Depending on the type of account, we are always looking for ways to minimize taxes and other expenses.    

While high-quality financial planning can benefit anyone, certain individuals and couples with more complex requirements usually benefit from the guidance from a St. Louis CERTIFIED FINANCIAL PLANNER™ (CFP®), including:

• Families with multi-generational wealth requirements who are seeking to protect and grow their assets for the next generation
• Philanthropic individuals interested in making a lasting impact through strategic charitable giving

Financial planning can mean many things to different people, but one thing is certain: personalized financial planning is more than one-size-fits-all financial advice produced by a computer. It’s about crafting a strategy that reflects the investors’ unique requirements, concerns, circumstances, goals, and values. 

Financial planning for wealthier families should not be based on cookie-cutter solutions. That is like saying all 55-year-olds have the same needs and goals. Nothing could be further from the truth. When you have a comprehensive life-wealth plan, you can:

• Gain clarity and focus on where you currently stand financially
• Develop a roadmap that guides you through different life stages
• Set financial goals that personalize what matters most to you

Many wealth management firms emphasize building “net worth.” While this approach is important, at Trinity Wealth Advisors, we believe wealth is a tool for pursuing additional goals. Typical goals include a comfortable, secure retirement that may last 30 years or creating a legacy that will last even longer.

That’s why we created our Life-Wealth Planning process. We start by understanding your unique goals so they can be prioritized, acted on, and realized. This approach goes far beyond the numbers—it’s about helping you lead a life filled with meaning, success, and fulfillment.

Following are just a few of the key elements we believe should be considered in a personalized financial strategy for a wealthy individual or family:

• Goal-Based Analysis
• Tax Efficiency
• Estate Planning
• Custom Portfolio Management
• Optimized charitable giving strategies
• Transparent expenses

As the old Chinese proverb wisely says, “The best time to plant a tree was 20 years ago. The second best time is now.”

The same goes for starting personalized financial planning. Ideally, you’d begin early in your work life or at the birth of a child.  However, financial planning becomes critically important once you have accumulated a critical mass of assets and want to develop a vision for your financial future. For many, this point arrives when they reach major life stages, like pre-retirement, business succession, or preparing to transfer significant wealth to the next generation.

Starting early provides several important advantages. For example, it lets you compound rates of return over longer periods, minimize your tax liabilities, and continually refine your approach over time. Working with a financial planner like Trinity Wealth Advisors can be especially valuable when facing milestones such as:

• Pre-Retirement Planning: Developing clear saving strategies to support a sustainable retirement
• Retirement Planning: Creating financial plans for early, mid, and late retirement years
• Business Succession: Preparing for the sale or transfer of a family-owned business
• Wealth Transfer: Establishing trusts, charitable plans, and legacy strategies to protect wealth for future generations

In short, while starting early is ideal, it’s never too late to realign your financial strategy with goals that span lifetimes.

Choosing a financial advisor is a deeply personal decision, especially when it involves your financial security and lifestyle over decades. Selecting the right financial advisory team to help guide your financial future is one of the most impactful decisions you will ever make for yourself and your family.

You should look for a wealth management firm in St. Louis that combines financial planning, investment management, tax-efficient advice, and stewardship… all with a level of personalized service that you don’t typically find at larger institutions. 

At Trinity Wealth Advisors, we believe creating your financial plan is like trenchwork—we dig deep to build a solid, tailored foundation aligned with your goals. This means there is no rushing to quick conclusions.  Your wealth advisor should take whatever time it takes to fully understand your financial needs and produce a thoughtful plan that addresses immediate and long-term concerns.

At the end of the day, your wealth management team should handle the day-to-day financial details, freeing you to focus on what matters most: Family, profession, friends, business, and associates.

Unlike advisors at larger firms who may be required to sell proprietary products and/or advice, at Trinity Wealth, our independence allows us always to do what is best for our clients.  We value our independence over everything else because it allows us to recommend open-architected solutions - not limited to proprietary services. 

We also provide comprehensive performance reports reflecting net results after fees in which you can see your returns against relevant benchmarks.

Our specialized team of professionals brings critical, independent thinking and deep expertise to each phase of your financial journey. This means you benefit from the knowledge of a team versus an individual:

• Financial Planning
• Investment Management
• Tax Planning
• Legacy Planning
• Insurance Planning
• Client Services

The St. Louis financial planning firm you select should use a comprehensive, five-step process to ensure you receive a custom-tailored financial plan that a team of experienced wealth management professionals will implement.

1. Discovery Meeting: This initial meeting builds the foundation for a personalized relationship based on you sharing your current circumstances, concerns, risk tolerance, timelines, and goals.
2. Goal-Setting and Strategy Development: Based on the information in the discovery meeting, your financial planner should craft a strategic plan that covers all aspects of your financial well-being, including investment strategy, tax planning, estate planning, and insurance needs.
3. Implementation:  When you approve a solid direction, your financial team will begin implementing the plan. This includes all the action steps identified in the financial plan. 
4. Ongoing Management and Adjustments: Your financial plan should never be static. As market conditions and life circumstances change over time, so does your plan, which is the foundation of your long-term strategy. For example, if the financial markets experience excessive volatility in the year you plan to retire, then this could cause your team to make adjustments to your plan.
5. Performance Monitoring and Reporting: You will receive reports documenting your asset allocation, risk and performance. You should always be aware of what is happening to your portfolio and why it is happening.

The benefits of personalized financial planning go far beyond wealth accumulation and preservation. Personalized planning helps manage complexities such as tax optimization, intergenerational wealth transfer, and charitable tax planning while focusing on pursuing long-term financial goals.  The following are five value-adds that, as a high-net-worth individual, you should expect from a financial plan crafted for you by experts.

• Your financial plan should be tailored to protect and grow your wealth over time. It is also critical that this plan stays aligned with the expected and unexpected challenges that life throws at you. This can lead to strategic changes that impact your financial plan. For example, during volatile markets, your planning team may recommend restructuring holdings to reduce risk. 
• Effective financial planning minimizes tax exposure across income, investments, and the distribution of your estate’s assets. This should include advanced tax strategies like Roth conversions, tax-efficient charitable giving, trust structures, and estate planning techniques that support wealth transfer goals while reducing the tax burden on heirs.
• A comprehensive plan will address potential risks impacting long-term wealth including insurance needs, legal protections, and strategies to manage liability exposure. This means going beyond basic insurance (like umbrella policies) to consider business risks, real estate, and health care costs later in life.
• Legacy planning adds meaning to wealth by helping you leave behind a purposeful impact on family, community, or charitable causes. High-net-worth financial plans should offer guidance on structuring philanthropic giving, creating family trusts, and setting up foundations or donor-advised funds for tax-efficient charitable contributions.
• Clients benefit from regular, proactive communication and reporting from their financial advisors. This includes updates on portfolio performance after fees, progress toward financial goals, and any adjustments needed based on life changes or market shifts. Frequent check-ins create accountability and give you peace of mind that your plan is on track and aligned with your evolving goals.