Retire with Confidence: St. Louis’ Trusted
Fee-Only Advisor

Schedule a free financial planning call with one of our fee-only
advisors.

"Your wealth should work for you—not the other way around. Let’s build a future on clarity, strategy, and trust."

Plan smarter, grow your wealth, and build a legacy—with financial strategies built solely around your goals.

What is a Fee-Only Financial Advisor?

Toberman Becker Wealth is a fee-only financial advisory firm. We charge a transparent fee for our services and receive no outside compensation. This approach helps mitigate conflicts of interest, promoting a focus on helping you achieve your financial goals—not earning commissions on specific investments.

Who We Are

At Toberman Becker Wealth, we are 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.

  • Fee-Only Network members
  • Fiduciary
  • NAPFA-Registered
  • Chartered Financial Analyst (CFA) Charterholders
  • Certified Financial Planners™
  • Certified Public Accountant on staff for tax planning
  • St. Louis Proud
Craig Toberman and Michael Becker

Craig (left) and Michael (right), both Fee-Only Network members, 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.

Our Financial Services

At Toberman Becker Wealth, 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.

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 strategy tailored to your retirement goals
  • 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.

Your estate plan can:

  • 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
  • Stay in control with 24/7 access via Charles Schwab’s 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 challenging, family business discussions
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Take Charge of Your Financial Future

Speak with a fee-only advisor and start your path to financial security today.

Financial Planning FAQ

A fee-only financial advisory firm charges a flat fee for its services and does not receive outside compensation. This structure helps mitigate conflicts of interest, ensuring the focus remains on clients’ financial goals rather than commissions on specific investments.

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.

We charge a straightforward 0.75% advisory fee—no hidden costs, no commissions.

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 Wealth.