Individuals today need the guidance of experienced professionals in the search for financial security. Plancorp, Inc. is an organization comprised of independent financial professionals who can provide comprehensive financial, investment, insurance, and estate conservation strategies. Our ability to offer a wide range of investment products as well as provide products and services from the top carriers in the insurance industry sets us apart from the competition.

We believe that protection against contingencies such as providing surviving family members with adequate resources to meet income needs and estate planning objectives, the loss of income due to disability or the expense of needed long term care are fundamental to the development of a sound financial plan. 

Plancorp, Inc. has developed relationships with many of the insurance industry’s leading carriers to provide our clients with the most innovative and competitive products available to protect their assets and meet their financial security needs.  Products offered include:

Ø Equity Indexed Annuities

Ø Fixed and Immediate Annuities

Ø Individual Health Insurance

Ø Joint and Survivorship Life Insurance

Ø Long Term Care Insurance

Ø Medicare Supplements

Ø Medicare Part D (Drug Coverage)

Ø Term Life Insurance

Ø Universal Life Insurance

Ø Variable Annuities

Ø Variable Life Insurance

Ø Whole Life Insurance

Below is additional information about the services and products we offer to individual clients. For information on Comprehensive Financial Planning and Asset Management Strategies, go to www.fmstrategies.biz.

Today's global marketplace offers investors more investment choices than ever. In managing assets, we utilize the concept of "Asset Allocation," which is investing in different asset classes such as stocks, bonds, and cash to help minimize the risk in an investment portfolio. The concept is based upon the principle of diversification, which is the process of combining different asset classes that react differently in the market from one another in order to maximize long term investment performance while reducing the risk (volatility) of a portfolio. How important is asset allocation? According to Ibbotson Associates, a leading authority on investment research and analysis, "the asset allocation decision is by far the most important determinant of performance for the long term investor."  While diversification through an asset allocation strategy is a useful technique that can help to reduce overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified.

We utilize a four-step process in helping a client establish an investment strategy.

Ø Determining Financial Objectives...working with the client to determine specific investment account objectives, time horizon, and risk tolerance.

Ø Developing an Asset Allocation Strategy...based upon the stated investment objectives, determining the appropriate asset allocation to help maximize investment return.

Ø Investment Selection...recommendations as to the appropriate investments and fund managers.

Ø Portfolio Review...to monitor investment performance and update client's financial objectives.

Our Associates are Registered Representatives offering securities through Walnut Street Securities, Inc. (WSS).  In addition, registered Associates are Investment Adviser Representatves (IARs) with both Financial Management Strategies, Inc. (FMS), an independent advisory firm not affliated with WSS, and with Walnut Street Securities, Inc., a MetLife affliate, one of the nation's largest independent broker-dealers offering a wide range of investment products and services to meet the needs of our clients. The firm is a member of both the Financial Industry Regulatory Authority, Inc. (FINRA), Securities Investor Protection Corporation (SIPC), and SEC Registered Investment Adviser.

Through WSS, our Associates have access to individual investment products, including common and preferred stocks, unit investment trust, municipal and corporate bonds, and U.S. Treasury and other governmental obligation offerings; brokered certificates of deposit from a variety of banks and savings institutions; mutual funds; limited partnership offerings; and variable life and annuity products from the industry's leading insurance carriers. Assets can be held directly with a mutual fund company or insurance carrier, or in a variety of brokerage and cash management accounts, including retirement accounts. For cash deposits, accounts offer a choice of both taxable and tax-free money market funds.