We are NAPFA-Registered Financial Advisors in St. Louis

Schedule a free financial planning call with one of our NAPFA advisors.

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

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

Who We Are

At Toberman Becker Wealth, we are NAPFA-Registered, fee-only fiduciaries committed to your best interests—no commissions, no product sales. Whether planning for retirement, managing investments, or seeking long-term security, we offer transparent, personalized strategies to help you protect, grow, and confidently enjoy your wealth.

  • NAPFA-Registered
  • Fee-Only Fiduciaries
  • Chartered Financial Analyst (CFA) Charterholders
  • Certified Financial Planners™
  • Certified Public Accountant
  • St. Louis Proud
Craig Toberman and Michael Becker

Craig (left) and Michael (right), both NAPFA-registered advisors, work as a team to bring a client-first philosophy, deep expertise, and a research-based approach to every financial plan. They ensure that each client receives a strategy tailored to their unique goals.

Meet Our Partners
  • Michael Becker, CFA, CFP® is an expert in investment management, behavioral finance, and retirement planning, helping clients develop disciplined, long-term financial strategies.
  • Craig Toberman, CFA, CPA, CFP®, has over a decade of experience helping individuals, families, and businesses with strategic financial planning and tax-efficient wealth management.
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.

Our integrated retirement planning covers:

  • Long-term financial goals
  • Cash flow management and budgeting
  • Current and future earning potential
  • Investment managing and budgeting
  • Tax planning & tax reduction strategies
  • Insurance and risk management
  • Estate planning & wealth transfer
  • Retirement income planning to fund your bucket list
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.

Our tax-planning process includes:

  • Pass assets to your children and grandchildren
  • Support your community and philanthropic goals
  • Contribute to causes you’re passionate about
Investment Planning & Management

We design and manage investment portfolios that grow and protect your wealth while maintaining financial flexibility.

Our approach includes:

  • Aligning your investments with your values and financial goals
  • Continuous monitoring with in-depth performance analytics
  • Accessibility 24/7 via the Charles Schwab website and app
Tax Planning

Strategic tax planning can save you thousands annually. We proactively structure your finances to minimize tax liabilities now and in the future.

Our tax-planning process includes:

  • Long-range forecasting for tax efficiency
  • Planning for future tax liabilities and legislative changes
Family Business Planning

We help family business owners manage growth, succession, and legacy planning to ensure long-term success.

Our expertise includes:

  • Developing strategies for sustained growth and profitability
  • Upholding the family values that define your business
  • Creating a seamless succession plan beyond the founder’s career
  • Facilitating essential, often difficult, family business discussions
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Ready to Take Control of Your Financial Future?

Book a consultation and discover how we can help you build, protect, and enjoy your wealth.

Financial Planning FAQ

Toberman Becker offers concierge-level service, built from the ground up to prioritize your success. Free from sales quotas, outdated processes, and hidden agendas, we focus solely on your financial well-being. As St. Louis natives, partners Craig Toberman and Michael Becker are committed to helping individuals and the local community grow their wealth.

There is no set schedule, though we aim to meet at least twice a year, especially as your circumstances change.

We are located at:

1741 S Big Bend Blvd

St. Louis, MO 63117

We primarily work with clients in Missouri and Illinois, but can work with clients all over the United States.

As a fee-only advisory firm, we are solely compensated by our clients—never by commissions or product sales—seeking to mitigate conflicts of interest. Bound by the fiduciary standard, we are legally and ethically committed to prioritizing your best interests. We take pride in building lifelong relationships in St. Louis and beyond, ensuring our guidance always serves you best.

That being said, our fees are very straightforward. Our Advisory Fee is 0.75%. There’s no catch or fine print; we believe in making it easy for everyone to understand.

Michael Becker earned a Bachelor of Science in Finance and Banking from the University of Missouri–Columbia. Additionally, he holds the designation of Chartered Financial Analyst (CFA) charter holder and Certified Financial Planner (CFP).

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.) in Finance from Saint Louis University. He is a Certified Financial Planner (CFP), Chartered Financial Analyst (CFA) charter holder, and Certified Public Accountant (CPA).

We welcome you to visit this link and click Part 2 Brochures to learn more about Toberman Becker Wealth.