In St. Louis, you may hear a popular radio advertisement informing you that you are a high net worth investor if you have $500,000 in retirement savings. At a private bank, you may need to have at least one million dollars to become a client.

Online brokerages frequently require only $2,500 to open a margin account, and as little as $500 to open a stock trading account. Some mutual fund companies have a minimum of $100 and will accept $25 per month deposits in order to provide you with a disciplined way to save.

We're Committed to Investors Who Want to Succeed

Our commitment is that those who wish to invest prudently for retirement succeed in their endeavors. Not everyone who has this goal has enough money saved in order to take advantage of the products or services we offer. However, they can still avail themselves of our expertise. In other words, we don’t have a minimum account size that you must have in order to consult with us. We do a fair amount of pro bono work.

The Only Requirement is Your Commitment to Prudent Investing

Regardless of account size, we do have a minimum success probability percentage. In order to invest with us, you must be committed to doing what is necessary to assure that your particular plan has at least an 85% chance of success when it’s initiated, and that you will take the steps we recommend to bring that percentage to 90% or above. We obtain these success probabilities by using a Monte Carlo Planning Simulator in order to account for volatility, inflation and other risks when we do client planning. Our white paper, Better than Averages, provides a more detailed description of the process we use to construct your portfolio and assign a success probability

Increasing the security of your retirement may mean spending a little less than you might have hoped for. There is no way to sustain a retirement account if you are intent on withdrawing 10% per year. There is no way to sustain spending power if you insist on putting all of your money in a money market fund.

Failure is always possible. Success has parameters. We are committed to your success and our only minimum is the requirement that you are committed to your own success as much as we are.