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Fee-Only Retirement Planning Services

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

SERVING THE ST. LOUIS REGION

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"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 Becker, 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:
  • Risk tolerance
  • Estate planning and how you’ll take care of your spouse and other loved ones
  • Retirement income needs so you can live your retirement bucket list
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 Becker 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.

The Toberman Becker 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.

Toberman Becker's Fee-Only Retirement Planning Services

Investment Planning and Management

Toberman Becker works with you to create an investment portfolio that:
  • Aligns with your values and your goals.
  • We will monitor and provide comprehensive analytics on its performance.
  • You’ll be able to access through the Charles Schwab website and app, so you can see how it’s doing any time.

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:
  • What will you do about your business?
  • Are you financially responsible for your aging parents’ care or your children’s college tuition?
  • Will you want to purchase a vacation home?

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 Becker 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:
  • pass assets on to your kids and grandkids.
  • or you’re interested in making an impact on your community.
  • or through an organization you’re passionate about, your estate plan can help.
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Retirement Planning FAQ

Toberman Becker 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. Partners Craig Toberman and Michael Becker both grew up in and attended school in the St. Louis region. They strive to help others here grow their wealth and the wealth of this community.

Toberman Becker 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. Partners Craig Toberman and Michael Becker both grew up in and attended school in the St. Louis region. They strive to help others here grow their wealth and the wealth of this community.

There’s no set schedule, though we aim for at least twice per year – and especially as your circumstances change.

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).

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

We primarily work with clients in Missouri and 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 Becker Wealth.

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

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