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Helping Smart People Make Wise Decisions


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Helping Smart People Make Wise Decisions


 

REAL ADVICE FOR YOUR FINANCIAL LIFE

Laminar Wealth LLC is a fee-only fiduciary financial advisory firm located in Chesterfield, Missouri. We primarily serve clients in St. Louis, Chicago, and San Francisco, but work with individuals and families across the country. Our clients tend to be successful people who live below their means and have been prodigious savers or benefited from a windfall. We help them maintain financial security, plan for the future, and find more freedom in their lives.

 

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Be Inspired.

Our interest in financial planning and investments initially stemmed from a personal need and along the way, we discovered our calling. Our experience has taught us that personal finance is actually more personal than it is finance. Although we have analytical backgrounds and love the technical aspects of what we do, it is our clients—their stories, their dreams, their lives—that bring meaning to our work and inspire us every day. If we can help our clients fulfill their purpose by crafting the right plan and delivering the necessary inspiration and peace of mind, then we have not only fulfilled our purpose but amplified it many times over.

Do What's Right.

The trust and confidence our clients place in us is a tremendous responsibility and a great honor. As fee-only advisors, we assume not only a moral, but also a legal fiduciary responsibility to all of our clients, at all times during the relationship, and on all of their accounts. We refuse to accept commissions, kickbacks, or other financial incentives from third-parties that could impair our judgment. The only compensation we receive comes directly from our clients in the form of transparent advisory fees. You should never have to question whose interests your advisor is looking out for... so we structured our practice in a way that you will never have to.

Keep Learning.

Our insatiable curiosity and natural drive for improvement has always led our journey of continual learning and self-improvement. We apply this philosophy throughout our lives, including our approach to financial planning. We are constantly researching new ideas, seeking greater understanding, and exploring better ways to solve problems. Along the way, we've earned numerous credentials, had the privilege to present our ideas at universities and professional conferences, and appeared in national news publications and trade journals. We consider ourselves very fortunate to be in a profession we find intellectually stimulating, engaging and meaningful.
 

Financial Life Planning


The true purpose of financial planning is not simply about money, but designing and pursuing the life you want.

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Financial Life Planning


The true purpose of financial planning is not simply about money, but designing and pursuing the life you want.

Discover our services

Your Life...

The first step in achieving financial independence is understanding who you are, where you want to go, and why. We all desire greater freedom in our lives, but each have a unique vision of what that means. For some, it could include engaging in more meaningful work, spending additional time with loved ones, or exploring the world. For others, it may be greater autonomy, time for oneself, or creative pursuits. Whatever your values and wishes are, we want to help you articulate them and then design a thoughtful and financially sound plan toward an inspired vision. Too many people unconsciously build their life around their money. We believe a better approach is to start with your life and build a financial plan that supports it. We refer to our work as financial life planning because it merges your money with your life in a meaningful way.

...Our Life's Work

Although we start with the big picture in mind and never lose sight of your broader life goals, where we really excel is in the details. Our CPA roots provide one of the strongest technical foundations in the profession, enabling us to deliver truly integrated strategies aimed at maximizing your outcome after all fees and taxes. In addition to a robust understanding of taxes, accounting is the language of finance and being fluent helps us understand not only the what but also the how and why of complex financial situations and strategies. We pride ourselves on our deep analytical abilities and broad technical knowledge across investments, taxes, risk management, and estate planning. Our ability to bring together the best financial strategies in a thoughtful, life-centric approach will not only increase your financial security, but also the freedom in your life.

Academic Investment Philosophy


A common sense approach rooted in academic research and informed by financial history.

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Academic Investment Philosophy


A common sense approach rooted in academic research and informed by financial history.

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Markets reflect expectations of risk & return

Markets quickly digest current information and future expectations, making current stock and bond prices the best approximation of their true value. Instead of betting against the collective wisdom of markets by making speculative and tactical bets, we attempt to harness their power through strategic long-term asset allocation decisions. 

Asset Allocation Determines Outcome

Your asset allocation should be reflective not only of your risk tolerance but also of your need and ability to take risk, thus seeking to maximize the likelihood of a successful outcome. Over the long run, the mixture of stocks, bonds, and other asset classes in your portfolio is the predominant factor that will determine performance. Understanding the risk and return expectations of various asset classes allows us to construct portfolios aligned with your objectives.

Diversification Reduces Uncertainty

It has been said that the closest thing to a "free-lunch" on Wall Street is diversification and for this reason, we want as much as we can get. By building globally diversified portfolios that hold thousands of underlying securities, we reduce the risks associated with individual countries, industries, and issuers. This allows us to focus on asset allocation and the risks that bear a long-term relationship to market returns.

Costs Matter (a lot)

We focus a lot of energy on minimizing your all-in costs because it is one of the most effective ways to increase your bottom line. When designing and managing portfolios we consider fund expense ratios, turnover within the funds, custodian transaction fees, implicit trading costs, and taxes. Building low-cost, tax-efficient portfolios is in our DNA. Our name, “Laminar” literally means streamlined and is an integral part of our philosophy and practice.

Preferred Investment Families...

 
 

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Featured Updates