Independent Financial Planners

Our Guiding Principle

Every Encounter Matters

Nothing can replace the personal relationship we have with our clients. Our organization is structured so our financial advisors are available to meet and review your financial plan—on your schedule. Technology has impacted financial advising in significant ways. We embrace change and use technology to serve you better and enhance our personal relationship with you.

Fiduciary Financial Planners

We hold to the fiduciary standard to act in the best interest of our clients with good faith and trust. We provide complete transparency with our fees for wealth management and financial planning services. We always have and always will advocate for what is best for you.

Financial Planner vs. Investment Manager?

We are independent, comprehensive financial advisors. This encompasses far more than selecting investments. After all, what good are your investments if the complementary issues – tax analysis, estate planning, risk management, and pension planning – haven’t been addressed?

Organize Your Financial Life

Organizing your finances is both comforting and liberating. When your finances are thoughtfully structured and managed, it frees you to whole-heartedly pursue your personal and family goals. We combine our 60+ years of experience and state-of-the art technology to help you craft a sound, comprehensive financial plan.


Our passion is to help families within five years of retirement or already retired to build a holistic financial plan. With a solid plan, clients can turn their investments into income and protect their principal for future generations.

Comprehensive Financial Plans

Objective. Analytical. In-depth. We help you navigate the complex world of retirement planning, pension planning, investment management, risk management, tax planning, estate planning and philanthropy. You'll find our recommendations backed by a complete analysis using planning software. Going forward, we rely on ongoing in-depth analyses to guide us.

Retirement Planning

Retirement decisions can be complex and puzzling. Retirement may be right around the corner or a distant goal, but it is never too early to start planning. Our focus is on simplifying these important retirement decisions and guiding our clients toward the plan that fits them best.

Pension Planning

We are specifically equipped to address the unique planning needs of Public School Retirement System of Missouri (PSRS) and Public Education Employees of Missouri (PEERS) members. Two of our advisors are retired teachers and PSRS members. We have over 15 years of experience helping PSRS and PEERs educator members make wise decisions regarding their pensions.

Investment Management

We abide by the fiduciary standard to act in the best interest of our clients. Our investment management recommendations are not motivated by commissions, nor are there any proprietary investments. We use a Chartered Financial Analyst (CFA) to oversee and adjust our portfolios.

Risk Management

Too many financial firms focus solely on investments while ignoring the need to insure and protect assets. We perform a thorough risk analysis for every comprehensive plan. Our experience with PSRS and PEERS pensions taught us the value of life insurance as a tool for protecting a pension benefit and creating an asset that can carry on to the next generation. 

Tax Planning

Tax strategies play a large part in any comprehensive financial plan, and we coordinate our comprehensive plans with tax professionals to make sure we are being proactive.

Estate Planning and Philanthropy

Estate planning is the ribbon that ties your comprehensive financial plan together. Multi-generational planning is essential, yet it is often overlooked or pushed “down the road.” Our responsibility is to help you organize your financial life, and the estate planning piece gives our clients confidence knowing their assets will pass to future generations. In addition, estate planning opens avenues for charitable giving.

Meet the


Each of our advisors is dedicated to proactively helping our clients pursue their personal goals. As an independent, fee-only firm, our clients can be assured that our advice is transparent with no hidden fees and no bias due to conflicts of interest to sell a certain product line or offering. Bottom line, we are looking out for our client’s best interests. Check the background of investment professionals associated with this site on FINRA's BrokerCheck.

Timothy J. Banks

Founder/Financial Planner

Tim's passion is helping families at retirement build holistic financial plans focused on income distribution, asset preservation, and estate transfer.

Tim has a strong devotion for his families that trust him with their financial well-being. Since 2002, Tim has helped families across the U.S. with the important financial decisions surrounding retirement and throughout. He loves working with families within the income distribution and asset preservation “phase” of their financial life. 

Tim is a student of financial planning and has a strong passion to learn more about it every day. He has been married since 2009. Tim and Roni live in the Webster Groves area and have two amazing kids, Annie and Calcaterra.

  • 314-530-1223

Ellie Winder

Director of Service

Ellie helps keep our team in sync.

  • 314-530-1281
  • 314-530-1230

Paul Banks

Financial Planner


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Contact Us

Plan Your Future

  • 314-530-2700

  • 6 CityPlace Drive 
    Suite 460
    Creve Coeur, MO 63141

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