At WorthyNest®, we help Christian families communicate openly about money, set a vision for the future, and make progress towards their goals. View this quick video for the full story.
We are also fee-only fiduciaries who always put your best interest first. It sounds similar to fee-based but is drastically different.
Your behaviors and experiences impact long-term financial success. That is why we listen to your concerns and collaboratively create a plan.
Financial planning is a process, not a destination. If you become a client, we ensure you are getting consistent, reliable advice.
We leverage technology and meet virtually with clients residing outside greater St. Louis. Above all, WorthyNest® provides clarity, direction, and accountability.
Looking for a long-term advisor who puts you first? WorthyNest® fits the pieces of your financial puzzle together, working closely with you towards solutions. Real financial planning happens where your money and values intersect.
Concierge is a complete wealth management solution; it includes both investment management and holistic financial planning services on an ongoing basis. The Concierge model is ideal for families interested in long-term relationships with an advisor who truly cares. Money does not define you but is rather a tool to accomplish your objectives. Our research-driven approach to investing means we generally recommend low-cost exchange traded funds. We seek your approval prior to investment implementation and hold your investments at a nationally recognized, independent custodian. Plan on meeting approximately five times in the first year of our professional relationship and two to four times annually thereafter. View the benefits of working together and our fees.
Financial Planning Concepts (in ABC Order)
Cash Flow Management - Do you have a budget and are you adhering to it? Are you unsure which specific financial goals to tackle first? We will establish a new cash flow plan for your family or tweak your existing budget.
Education Planning - We go beyond college funding and analyze other education needs, too. Want to send your kids or grandchildren to private grade school or high school? Which education funding vehicles are optimal?
Employee Benefit Review - Health, disability, and life insurance benefits through your employer can be confusing. Acronyms like HSA, FSA, and HDHP will be explained. Retirement plans can be equally confusing. We empower you to make informed decisions about the percentage to defer and underlying investment elections.
Estate Planning - What happens if you are disabled or no longer living? Wouldn't it be nice to have a say in how things are handled if you can no longer make key decisions? You want to live intentionally, and legacy is an important part of that intention. We will work with your existing estate attorney or recommend a new one to ensure you have estate documents that properly reflect your goals.
Insurance Analysis - What amount of insurance do you need? How often should you revisit it? If you're a business owner, we cover your bases with key man insurance. We will connect you with an independent insurance agent if a coverage change is merited.
Investments - What is your investment time horizon and risk appetite? What percentage of stocks and bonds should you have in each investment account? Can you invest in positions that align with your values? These key items will be discussed.
Tax Planning - How does asset location impact investment planning? What are the tax implications of a Roth IRA conversion? How can you maximize dollars going to charity? WorthyNest® owner Deborah Meyer, CPA/PFS, CFP® has substantial experience advising families and small business owners about taxes and charitable giving strategies.
One of the biggest challenges of having a long-term plan is our own emotions and behaviors. Developing a great strategy is the first step towards investing success! Take this quick assessment to learn how your reactions stack up to others when the stock market moves. WorthyNest® works with you to understand your competencies when it comes to investing decision-making, and creates a strategy that takes both financial goals and your unique investor profile into account.