Financial Advisor Serving Chesterfield, MO

Call (636) 240-5055 A fiduciary adviser with 34 years in financial services, and a separate CPA firm, in the same office, about 17 miles from Chesterfield across the Missouri River.

Renaud & Company Registered Investment Advisors · 2112 Bryan Valley Commercial Dr, O'Fallon, MO 63366 · (636) 240-5055 · Meet the team

Quick answer: Renaud & Company Registered Investment Advisors is a fiduciary, SEC-registered investment adviser in O'Fallon that helps Chesterfield households coordinate investments with taxes: Roth conversions, Medicare IRMAA, stock options and restricted stock, selling a business, estate documents, and charitable giving through donor-advised funds and qualified charitable distributions. Matthew J. Renaud Sr., ChFC®, founded the firm in 1998 and has 34 years in financial services. A separate CPA firm, Renaud Tax & Accounting LLC, owned by Jeannie Renaud, CPA, shares our office. We are about 17 miles from Chesterfield by car, across the Missouri River, and you can also meet with us virtually.

Why Chesterfield households look for a fiduciary adviser

Chesterfield, in St. Louis County, was incorporated in 1988 and had 49,999 residents at the 2020 Census (U.S. Census Bureau). It sits on the I-64 corridor and in the Missouri River valley, and it is home to the global headquarters of the reinsurer RGA, St. Luke's Hospital, which has been described as the city's largest employer, and Spirit of St. Louis Airport, which reports more than 150 businesses on its grounds. People who live and work here often have more moving parts in their finances than a single account statement shows: employer stock or deferred compensation, a business interest, property in more than one name, a pension or two, and children or grandchildren who will need help with school.

The Census Bureau's published figures for the city give some context. They describe Chesterfield as a whole, and say nothing about any one household or about our clients.

Measure (Census Bureau QuickFacts)	Chesterfield city
Population, April 1, 2020	49,999
Residents age 65 and older	25.5%
Households, 2020 to 2024	20,811
Median household income, 2020 to 2024 (2024 dollars)	$133,037
Median value of owner-occupied homes, 2020 to 2024	$472,500
Adults 25 and older with a bachelor's degree or higher, 2020 to 2024	72.5%

More income and more assets usually mean more decisions with a tax consequence, and more reason to have the investment adviser, the CPA, and the attorney working from the same facts. That coordination is the idea behind everything on this page. We are not affiliated with RGA, St. Luke's, Spirit of St. Louis Airport, or any employer named here; they are named only to describe the area.

What wealth management should mean, and what to ask

"Wealth management" has no legal definition. One firm uses it for a portfolio and a quarterly call, another for a full planning relationship. Ask what the firm does in each of these seven areas, and who does the work:

Area	The question to ask	How we approach it
Tax-aware investing	Who looks at my tax return before you trade?	With your permission, your adviser and Jeannie Renaud, CPA, work from the same facts. See the section below.
Retirement income	Which account do I draw from first, and why?	We map withdrawals across taxable, pre-tax, and Roth accounts, with required distributions and Medicare premiums in view.
Equity compensation and concentrated stock	What happens when my awards vest or I sell?	We lay out the timing and the tax events with you and your CPA, so a vest or sale is not a surprise.
Business ownership and exit	What should be settled before a letter of intent is signed?	We plan the personal side of the sale and coordinate with your CPA and attorney.
Estate coordination	Do my accounts match my documents?	We check beneficiary forms and titling against what your attorney drafted.
Charitable giving	What should I give: cash, stock, or IRA dollars?	We compare donor-advised funds, appreciated securities, and qualified charitable distributions.
Conflicts and pay	How are you paid, and are you a fiduciary for everything?	See the next section, and read our Form ADV Part 2A and Form CRS.

Fiduciary adviser or commission-based broker: what is the difference?

Both kinds of firm are regulated, and both are required to act in your best interest when they give you advice or a recommendation. The rules and the way each is paid are different. An investment adviser registered with the SEC is held to a fiduciary standard of care and loyalty toward its clients, and the standard applies to the entire relationship (SEC). A broker-dealer must follow Regulation Best Interest when it makes a recommendation to a retail customer, including a recommendation to roll over a workplace plan to an IRA or to take a plan distribution (SEC). Investor.gov notes that advisers' fees are typically based on the value of the assets in your account, that a broker-dealer relationship is often transaction-based, and that the way any professional is paid can create conflicts you should ask about.

Five questions to ask any financial professional, including us:

Are you a fiduciary for everything you tell me, or only for some recommendations?
How are you paid, and what conflicts of interest does that create?
May I have your Form CRS, and for an adviser, your Form ADV brochure?
Have you or your firm ever been disciplined by a regulator? You can check at Investor.gov (the SEC's free search) and FINRA BrokerCheck.
What products can you not offer me, and why?

Renaud & Company, LLC is an SEC-registered investment adviser, and we are fiduciaries when we provide investment advice. Our Form ADV Part 2A and Form CRS describe our services and conflicts of interest. Registration does not imply a certain level of skill or training.

Tax-aware investing, coordinated with Jeannie Renaud, CPA

Renaud Tax & Accounting LLC is a CPA firm owned by Jeannie Renaud, CPA. It is separate from Renaud & Company and shares our office. It prepares tax returns and does tax planning. Each firm has its own engagement, and you can use either one without the other, or bring your own tax professional. When you do use both, and give your permission, the two firms can work from one set of facts instead of passing paper back and forth in March.

Here is what that looks like in practice, using rules the IRS publishes:

Where each investment sits. Interest, short-term gains, long-term gains, and qualified Roth withdrawals are taxed differently, so which account holds which investment can change your after-tax result. Net short-term capital gains are taxed as ordinary income, while most net long-term gains are taxed at a lower rate (IRS Topic 409).
Realizing gains and losses. Capital losses offset capital gains, and up to $3,000 of excess loss can reduce other income each year, with the rest carried forward (IRS Topic 409). A loss is disallowed if you buy substantially identical securities within 30 days before or after the sale, which is the wash-sale rule (IRS Publication 550). Whether to harvest a loss depends on your whole return.
The 3.8% net investment income tax. It can apply when modified adjusted gross income is above $250,000 for joint filers or $200,000 for single filers (IRS Topic 559). Timing a sale or a conversion in a different year can change whether it applies.
Estimated tax. A large gain, a conversion, or a bonus can require estimated payments to avoid an underpayment penalty (IRS Topic 306). Your CPA calculates what is due.

We do not give tax advice; your CPA or tax professional does. See how a financial advisor and CPA plan together, or visit Renaud Tax & Accounting.

Roth conversions and the two-year Medicare lookback

A Roth conversion moves money from a pre-tax retirement account to a Roth account, and the untaxed amount moved is included in your gross income for the year (IRS Topic 413). Facts to have in front of both your adviser and your CPA:

It adds to your income for the year. That can change the rate on other income, including a gain from a sale in the same year.
It can come back two years later. For Medicare, Social Security generally uses your modified adjusted gross income from two years earlier (SSA). A large conversion in 2026 can affect 2028 premiums.
A required minimum distribution cannot be converted. The IRS excludes required distributions from what can be rolled over, so the required amount comes out first.
The tax has to be paid. Estimated payments or withholding may be needed.
Roth accounts have no required distributions during the owner's life (IRS), which matters for people who expect to leave money to heirs.

Some households convert in lower-income years, such as after retirement and before required distributions begin. Others spread conversions over several years to avoid crossing a Medicare threshold. Whether to convert, and how much, is a tax decision for you and your CPA. We show how each size changes your accounts and withdrawals.

IRMAA: the Medicare surcharge that follows high income

Medicare Part B and prescription drug coverage cost more when your income is above set limits. For 2026, the total monthly Part B premium is $202.90 if your modified adjusted gross income was $109,000 or less (single) or $218,000 or less (joint), and it steps up through five higher tiers (CMS). Social Security generally uses your tax return from two years before the premium year.

2026 MAGI, single	2026 MAGI, joint	Total monthly Part B premium	Part D adjustment added to plan premium
$109,000 or less	$218,000 or less	$202.90	None
Above $109,000 to $137,000	Above $218,000 to $274,000	$284.10	$14.50
Above $137,000 to $171,000	Above $274,000 to $342,000	$405.80	$37.50
Above $171,000 to $205,000	Above $342,000 to $410,000	$527.50	$60.40
Above $205,000 to below $500,000	Above $410,000 to below $750,000	$649.20	$83.30
$500,000 or more	$750,000 or more	$689.90	$91.00

For a household near a threshold, one year's income can move the premium two years later. The income that counts includes taxable interest, capital gains, Roth conversions, IRA withdrawals, and tax-exempt interest. A qualified charitable distribution is not included in income. If a life-changing event such as retirement lowers your income, you can ask Social Security to use a more recent year (Form SSA-44). See our IRMAA planning guide.

Executives and employees with equity compensation or concentrated stock

Chesterfield and the I-64 corridor are home to many corporate offices, and many people who work in them are paid partly in company stock. We are not affiliated with any employer, and we cannot tell you what your plan offers; your award agreements and plan documents control. What follows is general information about the kinds of events that carry a tax consequence.

Type of award	What the IRS says	What to plan for
Incentive stock options (ISOs)	Generally no income when you receive or exercise the option, but the alternative minimum tax may apply in the year you exercise. Sale proceeds are generally capital gain, unless you do not meet the special holding periods, in which case part is ordinary income (IRS Topic 427).	Whether exercising and holding creates a tax bill with no cash to pay it, and when to sell.
Nonstatutory options	For most, no taxable event at grant. You include the stock's value on exercise, less what you paid, in income (IRS Topic 427).	The size of the income in the exercise year, and estimated tax.
Restricted stock units (RSUs)	Generally treated as wages when they settle. Employers may withhold a flat 22% on supplemental wages up to $1 million in a calendar year and must withhold 37% on the excess (IRS Publication 15).	The withholding rate is not your tax rate. If your bracket is higher, you may owe more at filing.
Employer stock in a 401(k)	A special rule on net unrealized appreciation may apply to a lump-sum distribution of the stock (IRS Topic 412).	Whether to distribute the stock before rolling the rest over. The decision is hard to undo.
Selling stock you already own	Gains on assets held more than one year are long-term, and most long-term gain is taxed at no more than 15% for most people, with 20% at higher incomes (IRS Topic 409).	Selling over several years, giving shares to charity, and the 3.8% net investment income tax.

If you are a director or officer of a public company, the SEC's Rule 10b5-1 allows pre-arranged trading plans with a cooling-off period before trading can begin: for directors and officers, the later of 90 days after adoption or two business days after the company reports results for the quarter, up to a 120-day maximum (SEC). Your company's counsel controls what you may do.

A concentrated position is a risk question as well as a tax question: a large share of your net worth rides on one company, which may also be your employer. We help you compare the choices and the tax effects with your CPA before you decide.

Business owners: planning for the exit before the letter of intent

If you own a business, retirement planning and business planning are one plan, and the decisions that matter most usually arrive before the sale, not after it. Facts the IRS publishes: long-term capital gains are generally taxed at lower rates than ordinary income, but some parts of a sale, such as depreciation recapture, are ordinary income in the year of sale (IRS Topics 409 and 705). A 3.8% net investment income tax can apply when modified adjusted gross income is above $250,000 for joint filers or $200,000 for single filers, and whether it reaches a gain from selling a partnership or S corporation interest depends on how the business was owned and run (IRS Topic 559). Payments over time can spread the gain in an installment sale (IRS Topic 705).

A sale in a single year can also raise your Medicare premiums two years later. We work on the personal side: what you will need to live on, how the proceeds will be invested, and how your retirement accounts and estate documents fit. We coordinate with your CPA and your attorney, who advise on the structure of the sale. See our page on retirement planning for business owners.

Estate coordination with your attorney

Your estate planning attorney drafts your will, trusts, and powers of attorney. Our part is to make sure your accounts line up with those documents. Points that often need a second look:

Beneficiary designations. Retirement accounts and life insurance generally pass by the beneficiary form, not by your will. Forms signed years ago may name someone you no longer intend.
Inherited IRAs. Most non-spouse beneficiaries must empty an inherited retirement account within 10 years (IRS), which can create a large taxable year for the heir.
Step-up in basis. Property inherited from a decedent generally takes a basis equal to its fair market value on the date of death, which can matter for appreciated stock and real estate (IRS Publication 551). Retirement accounts do not get that step-up.
Federal and Missouri figures. Missouri does not impose an estate tax or an inheritance tax (Missouri Department of Revenue). For 2026 the federal basic exclusion amount is $15 million per individual, and the annual gift exclusion is $19,000 per recipient (IRS). Your attorney will tell you whether any of this applies to you.

We do not draft legal documents or give legal advice. See estate planning coordination with your attorney.

Charitable giving: donor-advised funds, appreciated stock, and qualified charitable distributions

There are several ways to give, and they interact with your tax return in different ways. The IRS describes a donor-advised fund as a separately identified account maintained by a sponsoring 501(c)(3) organization; once you contribute, the organization has legal control, and you keep advisory privileges over grants and investments. The facts to compare:

Itemizing matters. Charitable contributions are generally deductible only if you itemize, with a separate, limited deduction for certain cash gifts if you do not (IRS Topic 506). A gift to a donor-advised fund is a gift to the sponsoring charity, and the deduction depends on your return. Percentage-of-income limits apply (IRS Publication 526). Ask your CPA how the rules apply to you in 2026.
Appreciated securities. Giving shares you have held more than one year, instead of selling them and giving the cash, can avoid realizing the gain on those shares (IRS Topic 409 and Publication 526). That can be a reasonable fit for a concentrated position.
Bunching. Some households give several years' worth in one year to itemize in that year, and then make grants from the fund over time.
Qualified charitable distributions (QCDs). From age 70½, you can direct a payment from your IRA straight to an eligible charity. It is not included in your income, and it can count toward your required distribution. The 2026 limit is $111,000 per person (IRS Notice 2025-67). A QCD cannot be made to a donor-advised fund.

Because a QCD stays out of income, it does not add to the income Social Security uses for Medicare premiums. See the IRMAA planning guide. We do not give tax advice, and we do not recommend any charity.

Retirement income, required distributions, and Social Security

Required minimum distributions. Required distributions generally begin at age 73 or 75, depending on your birth year (IRS). The first one can be delayed until April 1 of the following year, but then a second is due by December 31 of that year, so two distributions can land in one tax year.
Social Security and Missouri tax. For tax years beginning on or after January 1, 2024, Missouri lets a resident age 62 or older subtract 100% of the Social Security benefits included in federal adjusted gross income, regardless of filing status or income (RSMo 143.125). Federal tax on Social Security is a separate question.
Rolling over an old plan. A direct rollover moves the money straight to an IRA or another plan with no tax withheld. If the plan pays you instead, 20% federal tax is generally withheld, and you have 60 days to roll over the full amount (IRS). See our 401(k) rollover guide.
Pensions. If your plan offers a monthly payment or a lump sum, the plan documents control what is available. We compare the choices with you, including your health, your spouse's needs, other income, and taxes.

Education funding for children and grandchildren

Missouri allows a subtraction from Missouri income of up to $8,000 per taxpayer, or $16,000 for married individuals filing a joint return, for annual contributions to Missouri's 529 program and other qualified tuition programs (RSMo 166.435). For 2026, the annual gift exclusion is $19,000 per recipient, and a donor can front-load up to $95,000 per beneficiary in one year by electing to spread the gift over five years on Form 709 ($190,000 for a married couple). If the donor dies within the five years, a pro-rated portion is included in the donor's estate. Beginning in 2026, a 529 can pay up to $20,000 per student per year for K-12 expenses. See our education funding and 529 guide, and talk with your attorney and CPA before making a large gift.

Getting to our office from Chesterfield

Our address: 2112 Bryan Valley Commercial Drive, O'Fallon, MO 63366, in St. Charles County, just south of I-70. Chesterfield is in St. Louis County, so the trip crosses the Missouri River.

By car from Chesterfield City Hall (690 Chesterfield Parkway West):

Get on I-64 West (also US 40 and US 61, the Avenue of the Saints) at Chesterfield Parkway.
Cross the Daniel Boone Bridge over the Missouri River into St. Charles County and stay on I-64 West.
Take exit 6 for Route DD (Winghaven Boulevard) in O'Fallon.
Turn right onto Winghaven Boulevard, which becomes Bryan Road (Route N), and follow it north.
Turn left onto Bryan Valley Commercial Drive. Our office, at 2112, is a short way along this road.

By this route, it is about 17 miles from Chesterfield City Hall, with about 12 of those miles on I-64. We have not listed a drive time because it changes with traffic, and the river crossing is the usual cause. MoDOT lists the Route 364 Veterans Memorial Bridge as an alternate way across the Missouri River, and MoDOT has been narrowing I-64 lanes between Route K and Route DD (Winghaven Boulevard) as part of a widening project with construction tentatively set for 2025 to 2028, so expect work zones. Routes and closures change, so check your maps app before you leave. If you want to be sure of the final turns, call us at (636) 240-5055 and we will talk you through them.

Hours: Monday to Thursday 8:00 AM to 4:30 PM, Friday 8:00 AM to 3:00 PM. Hours are extended in tax season, which runs February 1 to April 15, 2027 and varies by week.

Prefer not to cross the river? You can meet with us virtually from anywhere.

Who to talk to

Matthew J. Renaud Sr., ChFC®, President and Founder, has led the firm since 1998 and has 34 years in financial services. Matthew Renaud Jr., AWMA®, is a separate Investment Advisor Representative at the firm. Jeannie Renaud, CPA, is the owner of Renaud Tax & Accounting LLC, a separate CPA firm in the same office. Meet the team.

What to bring to a first meeting

Your most recent statement for each retirement and investment account, including any 401(k) at a past employer
Equity award agreements and vesting schedules, or deferred compensation statements, if you have them
Your last two federal tax returns, if you want your adviser and CPA to work from them
Business ownership documents or a valuation, if you are thinking about a sale
Your Social Security or Medicare premium letters, if you have them
Your estate documents, or the names of your attorney and tax professional
Any dates that matter: a retirement date, a vesting date, a planned sale, a first tuition bill, or the date you turn 65

Renaud & Company Registered Investment Advisors · 2112 Bryan Valley Commercial Dr, O'Fallon, MO 63366 · (636) 240-5055 · Mon–Thu 8:00 AM–4:30 PM, Fri 8:00 AM–3:00 PM (extended hours in tax season)

FAQ

Do you serve clients in Chesterfield?

Yes. Our office is at 2112 Bryan Valley Commercial Dr in O'Fallon, in St. Charles County, and we work with households in Chesterfield and across the St. Louis area. You can meet with us in person, or virtually from your home or office in Chesterfield or from another state.

How far is your office from Chesterfield, and how do I get there?

It is about 17 miles from Chesterfield City Hall (690 Chesterfield Parkway West) to 2112 Bryan Valley Commercial Dr in O'Fallon. Take I-64 West (US 40 / US 61) across the Daniel Boone Bridge over the Missouri River into St. Charles County and stay on I-64 to exit 6 for Route DD (Winghaven Boulevard) in O'Fallon. Turn right onto Winghaven Boulevard, which becomes Bryan Road (Route N), follow it north, and turn left onto Bryan Valley Commercial Drive. Check your maps app before you go, because traffic and construction change, or call (636) 240-5055 for help with the last turns.

Can I meet virtually so I do not have to cross the river?

Yes. You can meet with us virtually from anywhere, or in person at our O'Fallon office. Many first meetings are a conversation about your accounts and your tax return, which works well on a screen.

What is the difference between a fiduciary financial advisor and a commission-based broker?

Both must act in your best interest when they give advice or a recommendation, but the rules differ. An SEC-registered investment adviser is held to a fiduciary standard of care and loyalty that covers the whole relationship. A broker-dealer must follow Regulation Best Interest when it makes a recommendation, and a broker-dealer relationship is often transaction-based, with commissions as one way of being paid. Ask any professional how they are paid and what conflicts that creates. Our Form ADV Part 2A and Form CRS describe our services and conflicts of interest.

What does wealth management mean, and what should I expect from it?

There is no legal definition of the term, so ask what the firm actually does. For us it means investment advice and planning that are coordinated with your tax return, your retirement income, your Medicare premiums, any employer stock or business interest, your estate documents, and your giving. We work with your tax professional and attorney rather than replacing them, and neither we nor our advisers give tax or legal advice.

Is Renaud Tax & Accounting part of your firm?

No. Renaud Tax & Accounting LLC is a separate, affiliated CPA firm owned by Jeannie Renaud, CPA, and it shares our office. It prepares tax returns and does tax planning. You can use it, the advisory firm, or both, and with your permission your adviser and your CPA can coordinate. If you already have a tax professional, we can work with that person instead.

How do you coordinate investments with taxes?

With your permission, your adviser and your CPA work from the same facts: your latest return, your account statements, and your plans for the year. Typical questions are which accounts to draw from, whether to realize gains or losses, the size and timing of a Roth conversion, how to time a large sale, and how much estimated tax to pay. Your CPA projects the tax cost; your adviser shows what each choice does to your accounts. You decide.

How can a Roth conversion affect my Medicare premiums?

A conversion is included in your income for the year, and Social Security generally looks at your tax return from two years earlier to set Medicare Part B and drug-plan premiums. A large conversion in 2026 can therefore affect 2028 premiums. For 2026, the income-related charge (IRMAA) starts above $109,000 for single filers and $218,000 for joint filers. Some people spread conversions over several years. Whether to convert is a tax decision for you and your CPA.

I receive stock options or restricted stock units. What should I know?

The tax treatment depends on the type of award. For incentive stock options, the IRS says you generally include no income when you exercise, but the alternative minimum tax may apply. For nonstatutory options, you include the stock's value on exercise, less what you paid, in income. Restricted stock units are generally wages when they settle, and the IRS flat withholding rate on supplemental wages is 22%, or 37% on amounts above $1 million in a year, which may not equal the tax you owe. Your plan documents and your CPA control the details.

I hold a large position in one company's stock. What are my options?

Common choices are to keep it, sell some or all and diversify, give shares to charity, or, for employer stock inside a 401(k), look at the net unrealized appreciation rule before rolling the account over. Selling a stock held more than one year generally produces a long-term gain, taxed at a lower rate than ordinary income, and the 3.8% net investment income tax can apply above $250,000 of income for joint filers. If you are a company insider, a Rule 10b5-1 trading plan has cooling-off periods set by the SEC. We compare the choices with you and your CPA; we do not give tax or legal advice.

I am thinking about selling my business. When should I start planning?

Before the deal is signed. How a sale is structured affects whether gain is taxed as capital gain or ordinary income, whether the 3.8% net investment income tax applies, whether payments over time can spread the gain, and how much estimated tax is due. The income can also affect Medicare premiums two years later. We plan the retirement and investment side and work with your CPA and attorney.

How do you work with my estate planning attorney?

Your attorney drafts your documents and advises you on the law. We help make sure the accounts match them: beneficiary designations, how assets are titled, and what you hold in which account. Beneficiary forms on retirement accounts generally control over a will. Missouri does not impose an estate tax or an inheritance tax; for 2026 the federal basic exclusion amount is $15 million per person, and the annual gift exclusion is $19,000 per recipient. Your attorney and CPA will tell you where you stand.

What is the difference between a donor-advised fund and a qualified charitable distribution?

A donor-advised fund is an account run by a sponsoring charity; once you contribute, the charity has legal control, and you recommend grants. You can deduct a gift only if you itemize, and gifts of appreciated securities held more than a year can avoid selling them first. A qualified charitable distribution is a payment straight from an IRA to a charity, available from age 70½, up to $111,000 per person for 2026, that is not included in your income and can count toward your required distribution. A qualified charitable distribution cannot go to a donor-advised fund. Your CPA confirms how each applies to your return.

What should I bring to a first meeting?

Bring your latest statements for every retirement and investment account, your last two tax returns if you want them reviewed, any equity award or deferred compensation statements, buy-sell or business valuation papers if you own a company, your estate documents or the names of your attorney and tax professional, and any dates that matter, such as a retirement date, a vesting date, or a planned sale.

Other towns we serve: O'Fallon · St. Charles · St. Peters · Lake Saint Louis · Wentzville

Next step: Call (636) 240-5055 or email info@renaudco.com to book a 45-minute coordination meeting with the team. No product pitch. If we are not the right fit, we will say so.

Important disclosures: Renaud & Company, LLC is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. We are fiduciaries when we provide investment advice. We are not affiliated with RGA, St. Luke's Hospital, Spirit of St. Louis Airport, or any employer, company, or charity named on this page, which are named only to describe the area or the kinds of decisions people face. Renaud Tax & Accounting LLC is a separate, affiliated firm; tax preparation and accounting services are provided by that firm under a separate engagement. Renaud & Company, LLC and its advisors do not provide tax or legal advice. Our Form ADV Part 2A and Form CRS describe our services and conflicts of interest and are available at adviserinfo.sec.gov or on request. This page is educational and is not individualized investment, tax, or legal advice. Census figures describe the city as a whole and not any client. Directions are for convenience and may change; confirm before you travel. Rules and figures are as published by the IRS, the State of Missouri, CMS, the SEC, the Census Bureau, and the Social Security Administration as of October 28, 2026 and can change. There is no guarantee that any plan or strategy will achieve any particular result.