A Fee-Only Financial Advisory firm

Serving the St. Louis Region

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What Our Clients Say

Bonnie

I am retired now, but I was a registered nurse for over 40 years. Even though my husband and I didn’t make a lot of money, we had done well with saving. But when COVID happened, our investments and money took a big hit, and the advisor we were with wasn’t doing anything to help us recover. We ended up putting a lot of our money in cash, but when my husband started to develop mild dementia, and our advisor still wasn’t helping us, I knew I had to get some help. I was connected with Craig Toberman through his mom. When I met with him, I felt comfortable having him take over all our money management - he is a Certified Financial Planner, which was important to me, and he also presented as very knowledgeable and honest. Since working with Toberman Becker Wealth, our financials have rebounded and are doing exceptionally well. Craig really watches over everything, always has time for my questions, and meets with us at our home since it’s hard for us to leave the house. He recommended a lawyer to set up our trust, and even attended the meetings with the lawyer to make sure everything was handled correctly. He also helped my daughter by setting up a financial plan and 529 plan for her daughters. Craig Toberman is very knowlegable, caring, and I highly recommend him as a financial planner to anyone and everyone.

Robert

Three years ago, unhappy with our support at the time, we decided it was time to find someone new. Though we weren't ready to retire, we would be soon, and we wanted someone who was more than an advisor; we wanted a financial partner in our long-term journey. From day one, Craig exceeded our expectations. He took the time to listen. He learned what we were looking for, what we wanted, and how we wanted to get there. Only after all our goals and concerns were on the table did Craig offer his insights and recommendations. It was clear then that everything he suggested was in our best interest and rings true even more now. When we meet, Craig comes prepared and gives us his full time and attention. We never feel rushed, even when it runs over time. We meet with him throughout the year, but if something pops up in between, he's always responsive and takes the time to walk us through our questions. He is invested in us, our family, and our long-term goals. We fully recommend Craig and his team at Toberman Becker Wealth.

Donna

After my mom died, I didn’t know what to do with my inheritance, and I had no interest in becoming a financial expert. I knew I needed someone to help manage my inheritance and my retirement plan, and who would translate their knowledge into something I could understand. I wanted a fee-only fiduciary advisor who wasn’t on a commission structure so they wouldn’t have the incentive to push specific investment vehicles. I’d talked with a few other firms that were more exclusive and didn’t make me feel welcomed or valued. Michael did just the opposite. From the start, he’s been very clear and communicative. He made the onboarding process easy, talked me through different scenarios, and helped me define my long-term goals and risk tolerance. Then he took it and ran with it, which is exactly what I needed – someone who could take it over so I wouldn’t have to worry about it. What I appreciate most is Michael’s communication style and how he demystifies things without dumbing them down. He’s also so responsive when I email him, whether it’s about big things or small things. I can drop an email saying ‘hey I have a kid getting married this year, what can I do for them?’ and he’s always available to point me in the right direction. It’s really nice to work with real people who get me and my goals. I've been super happy with the services Michael has provided and would happily recommend Toberman Becker Wealth to anyone.

James

I have been working with Michael Becker of Toberman Becker Wealth for approximately one year, and they have been an invaluable partner in managing my family’s financial future. I was looking for a financial advisor to help me with estate planning to make it easier for my spouse and children in the event something happened to me. I wanted my investments to continue on but my family isn’t particularly interested in financial planning. I went online and read Toberman Becker Wealth’s reviews, which were very complimentary of them and their firm, and I decided to set up an interview. I knew right away they were my type of people – professional yet down to Earth. They talked our language and made it easy to do business with them. I was impressed with their knowledge and fee-only structure but equally impressed with their responsiveness and professionalism. They excel at explaining intricate strategies in plain English, never rushing a conversation, and always ensuring we feel completely comfortable. Their attention to detail and responsiveness gave us incredible peace of mind.

Shea

Craig has been helping our family with our investment and retirement planning for about three years now, and we couldn’t be happier with the experience. When my husband and I started looking for a financial advisor, we wanted to find someone who genuinely cared about our situation, took the time to understand our long-term goals, and understood the financial considerations that come with owning a business. Craig has done exactly that. We appreciate that he includes both of us in the decision-making process, listens carefully to our questions and requests, and helps us think through options thoughtfully, even when they differ from his initial recommendation. What really stands out to us is how genuine and authentic Craig is. It has never felt like he is simply checking boxes or focused on what he can get out of the relationship. Instead, he is focused on helping us gain clarity, confidence, and peace of mind. There are times when all the moving pieces can feel overwhelming. Craig’s calm, steady presence helps us take a step back, breathe, and make decisions from a place of clarity rather than stress. When my husband retired last December, we were feeling anxious about what needed to happen next, but Craig calmly reminded us that we had been planning for this. His proactive approach takes so much of the stress out of financial planning. If you’re looking for a financial advisor who will take the time to understand your situation, your goals, and what matters most to your family, we highly recommend reaching out to Toberman Becker Wealth.

Alisia

I contacted Toberman Becker Wealth about two years ago because I wanted to invest my money rather than letting it sit in the bank collecting simple bank interest. I retired after working for the government for 31 years, and I wanted the money I earned to start working for me long term. I wanted to be in a position where I could take care of myself and live the life I've worked hard for, but also build generational wealth for my children and my grandchildren. I found Toberman Becker Wealth after searching for a fiduciary. After reading Google reviews and knowing I wanted to work with a smaller, more family-oriented company instead of a big firm, I interviewed Michael with Toberman Becker Wealth. During our interview I could tell he was confident, astute, articulate, and very knowledgeable. He was very intentional and detailed in his approach. He spoke in layman’s terms so I could understand everything, and he never once made me feel pressured to work with him. He also showed me great examples of the strategy he was recommending by using proven best practices, metrics and data. Michael manages my retirement planning, investment management, and Roth IRA, and anytime there's a change, he makes sure I know what his plan is to ensure we are in sync. He is very easy to contact, and is very responsive. He’s firm but fair, patient, and always reminds me the decisions with my investments are up to me making it an interactive process. I trust him to have my best interest. I have been telling all my friends and family about Toberman Becker Wealth and how they are a great financial planning firm. I absolutely recommend working with them.

Wendy

When I was going through my divorce I decided to hire a financial advisor. Because I had many different investments and properties, I wanted to work with someone dedicated to consolidating my financial planning and managing all its intricacies. Craig with Toberman Becker Wealth has done an excellent job with my financial planning. He manages my retirement and investment portfolio, but he has also helped with my children’s financial planning, figuring out the best approach to inheritances, setting up my granddaughter with a 529 plan, and navigating the tax planning for multiple properties across multiple states. He works with my other professionals, including two tax preparers and an estate planner, and when I got remarried he took on helping my husband getting him setup with a diversified portfolio. What’s unique about Craig is how much he cares about our family situation. He’s interested in helping us plan for our long-term wealth, and not just the short-term. He's also flexible - he knows I like to travel and he works that into my financial plan. He’s willing to listen, and willing to adjust. If you need comprehensive financial planning with people that will listen to you, Toberman Becker Wealth is the firm you need.

Jerry

Love this guy; Solid Investment Advice! Highly recommended…

Leigh

I have known Craig ever since he was a kid, so about 5 years ago when I started panicking about retirement, I reached out to him. In our initial meeting, I could tell he was very knowledgeable, and he immediately put me at ease. Working with Toberman Becker Wealth over the past 5 years has made me feel very good about where we are financially. I didn’t start planning my retirement until later in life, but because of Craig, I feel good about where I’m sitting. He’s managing my retirement, investments, and he has also helped us reduce debt. He forms an entire plan so that you’ll be able to live comfortably when you retire without a huge change in your lifestyle. Because I have known Craig ever since he was a kid, I can say this - his parents raised a really good man. He is a real gentleman, very honest, and always accommodating. Anyone I speak to, I recommend Toberman Becker Wealth to them. If you need a financial advisor, I know you will have a great experience with Toberman Becker Wealth.

Kirsten

Less than a year ago, we set out to find a financial advisor to help manage our investments and prepare more intentionally for retirement. We focused on fee-only fiduciaries with a transparent, fixed-fee structure. Several firms came up, but Toberman Becker stood out immediately. After reviewing their services and meeting with Michael, we didn’t look further. What resonated most was their philosophy. Michael and Craig both bring experience from large firms but have deliberately chosen to work with a smaller number of clients. That combination—depth of experience paired with a more focused, high-touch model—gave us confidence in their ability to make thoughtful, well-informed decisions on our behalf. Though we are still relatively new to the firm, Michael has consistently gone above and beyond to ensure that we feel heard, supported, and confident. He takes the time to answer our questions, walk us through our options, and help us with important financial decisions. We strongly recommend Michael as a financial advisor.

These reviews were provided by current clients of Toberman Becker Wealth. Reviewers received no cash or non-cash compensation for their reviews. Toberman Becker Wealth is not aware of any material conflicts of interest associated with these testimonials. The experiences described may not be representative of all clients’ experiences and do not guarantee future performance or success.

Fee-Only Financial Advisors and CFP^® Professionals Serving St. Louis

Protect your future, build your legacy, and nurture your goals with a financial planning process solely focused on your financial wellbeing.

Offering You Personalized Financial Planning Solutions

We support you through every step of your journey in St. Louis and beyond by putting relationships first and building financial plans with empathy and transparency.

"Wealth is a tool for doing remarkable good when managed with clarity, organization, and communication."

Build your investment portfolio and design your estate plan with a sense of clarity, peace of mind, and long-term perspective.

Fiduciary Financial Advisory Services

Retirement
Planning

Retirement planning that allows you to live comfortably now – without sacrificing your financial future later.

Investment Management

Robust investment management strategy that puts you in the center to align with your goals.

Tax Planning Services

Tax Planning that can help mitigate risk across your financial portfolio to reduce your future tax burdens.

Family Business Services

Family business financial planning that aims to grow the value of your business using our corporate experience.

What is a Fee-Only Financial Advisor?

As a Fee-only, fiduciary financial advisory firm, we never receive commissions or sell products. To help support alignment between our clients’ best interest and our recommendations, we are exclusively compensated by our clients.

Who We Serve

Wealth Management
for the St. Louis Region

Visit our office on S Big Bend Boulevard just south of the Interstate 64/Highway 40 exit.

Perspectives From The Blog

Missouri vs. Illinois: Which State Is Better for Retirement Taxes?

Missouri or Illinois for retirement? Read here to compare how each state taxes IRA withdrawals, Roth conversions, capital gains, property and estates.

Craig Toberman, CFA, CPA, CFP® 11/09/2026

6 Beneficial Tax Moves to Make After 65

Turning 65? Explore 6 tax moves for seniors that can lower your tax bill, protect your Social Security, and keep Medicare premiums in check.

Mike Holtz, CFP® 11/03/2026

Will Social Security & Medicare Run Out of Money? Unlikely.

RETIREMENT DECISION DASHBOARD: St. Louis financial advisor outlines potential changes to Social Security and their impact on retirement planning. Learn how to prepare.

Michael Becker, CFA, CFP® 09/29/2026

In The News

Craig Toberman Featured on CNN: Guiding a Savings Challenge Participant Toward Retirement

Craig Toberman Featured on CNN: Guiding a Savings Challenge Participant Toward Retirement CNN’s Savings Challenge series features Craig Toberman, CPA,

Craig Toberman, CFA, CPA, CFP® 11/02/2026

Toberman Becker Wealth Named to St. Louis “Best of the Best” Wealth Manager List

Toberman Becker Wealth, a fee-only fiduciary firm, was named a 2026 “Best of the Best” Top 7 finalist among St. Louis wealth managers by Small Business Monthly.

Craig Toberman, CFA, CPA, CFP® 09/15/2026

Craig Toberman Featured on Yahoo Finance: Best Tax Deductions to Claim This Year

Craig Toberman, CPA, CFP®, CFA, shares guidance on filing strategies & deductions that make the biggest difference for the 2026 tax filing season. Read here.

Craig Toberman, CFA, CPA, CFP® 01/28/2026

Ready to Start Planning for the Future?

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

Questions About Toberman Becker Wealth in St. Louis

What services does Toberman Becker Wealth provide?

We provide comprehensive financial planning tailored to your needs. Our holistic approach ensures every strategy aligns with your long-term goals while allowing you to enjoy life today.

Our services include:

Retirement Planning
We help you retire confidently while maintaining a high quality of life. Our reverse-engineered plans align with your financial goals and provide a clear roadmap for the future.
Investment Planning & Management
We design and manage investment portfolios that grow and protect your wealth while maintaining financial flexibility.
Tax Planning
Strategic tax planning can save you thousands annually. We proactively structure your finances to minimize tax liabilities now and in the future.
Estate Planning & Wealth Preservation
Your estate plan ensures your wealth is protected and distributed according to your wishes. We help you create a clear strategy for your legacy.
Family Business Planning
We help family business owners manage growth, succession, and legacy planning to ensure long-term success.

What services does Toberman Becker Wealth provide?

We provide comprehensive financial planning tailored to your needs. Our holistic approach ensures every strategy aligns with your long-term goals while allowing you to enjoy life today.

Our services include:

Retirement Planning
We help you retire confidently while maintaining a high quality of life. Our reverse-engineered plans align with your financial goals and provide a clear roadmap for the future.
Investment Planning & Management
We design and manage investment portfolios that help grow and protect your wealth while maintaining financial flexibility.
Tax Planning
Strategic tax planning can save you thousands annually. We proactively structure your finances to minimize tax liabilities now and in the future.
Estate Planning & Wealth Preservation
Your estate plan can help ensure that your wealth is protected and distributed according to your wishes. We help you create a clear strategy for your legacy.
Family Business Planning
We help family business owners manage growth, succession, and legacy planning to ensure long-term success.

What is the process for becoming a client?

If you are 50+ and planning for retirement, our process is designed to help you build a secure future:

Introductory Meeting | Long Term Goals
Our complimentary financial planning call will discuss your financial needs, retirement vision, and savings strategy. We will evaluate your current income, projected earnings, retirement timeline, and legacy planning.
Build a Portfolio | Create a Long-Term Plan
Using financial models and key insights from our initial meeting, we design a dynamic retirement plan tailored to your goals and risk tolerance. We refine details, explore “what if” scenarios, and adjust savings, spending, timing, or investments to enhance success.
Investment Analytics | Ongoing Guidance
We offer advanced portfolio reporting, consolidated performance tracking, and continuous retirement forecasting. Have retirement questions or need to adjust your goals? We’re here when you need us. Connect with us as often as you like, or not, and feel confident that your retirement is in good hands.

What is Toberman Becker Wealth’s mission?

Retirement Should Be on Your Terms

You shouldn’t have to sacrifice your lifestyle today to feel secure about tomorrow. We believe in helping you live well now while building a strong financial future.

Our reverse-engineered retirement planning focuses on balancing your current needs with long-term goals, considering:

Your financial vision and timeline
Earnings and cash flow
Risk and investment preferences
Estate and legacy planning
Income needs for retirement and beyond

We aim to remove uncertainty, minimize family stress, and ensure no milestone is missed. With the right plan, you can retire confidently, on your terms.

What is your pricing?

We operate as a fee-only financial advisory firm, meaning we are only compensated by our clients, never through commissions or third-party products. This transparent structure helps mitigate conflicts of interest and supports our fiduciary duty to always act in your best interest.

Our pricing is simple:

Annual Advisory Fee: 0.75%
Assessed quarterly based on the market value of your assets under management.
Your assets are held securely with Charles Schwab, a well-established and trusted institution.

No hidden fees. No fine print. Just transparent, client-centered pricing.

Where is Toberman Becker Wealth located?

Our office address is located at:

Toberman Becker Wealth
1741 S Big Bend Blvd
St. Louis, MO 63117

Do you work with clients outside of the St. Louis region?

Yes. Whether you’re in Missouri, Illinois, or elsewhere in the U.S., we provide both local and remote financial guidance. Learn more about our retirement planning services.

Do you work with clients outside of the St. Louis region?

Yes. Whether you’re in Missouri, Illinois, or elsewhere in the U.S., we provide both local and remote financial guidance.

Retirement Planning Services

Retirement Planning in Your 50s

Retirement Planning in Your 60s

Investment Advisor Services

Tax Planning Services

Business Owner Services

About Toberman Becker Wealth

Craig Toberman

Michael Becker

Mike Holtz

Amy Rosa

Resources & Tools

The Toberman Becker Blog