Financial Advisor Serving Warrenton, MO

Call (636) 240-5055 A fiduciary adviser with 34 years in financial services, and a separate CPA firm, in the same office. We meet with Warrenton households by phone, video, or in person in O'Fallon, about 24 miles away.

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 Warrenton and Warren County households with farm and land transition, school-employee and nonprofit retirement plans, 401(k) rollovers, Social Security and Medicare planning, and retirement income. 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. Our office is about 24 miles from Warrenton, almost all of it on I-70, and many Warren County households meet with us by phone or video.

Warrenton and Warren County: halfway between St. Louis and Columbia

Warrenton is the county seat of Warren County. The Warrenton Chamber of Commerce's community guide says the city was incorporated in 1864 and sits an equal distance from St. Louis to the east and Columbia to the west, with I-70 running through the county on roughly the path Daniel Boone followed to the salt licks. The 2020 Census counted 8,429 residents, and the Census Bureau's July 2025 estimate is 9,667, up 14.9% from the 2020 base (U.S. Census Bureau QuickFacts). For 2020 to 2024, the median household income was $61,031, the median value of an owner-occupied home was $204,800, 15.7% of residents were 65 or older, and the mean travel time to work was 27.9 minutes. Those are city-wide figures; they say nothing about any one household or client of ours.

Warrenton is the westernmost town on our list, and it is a long way from O'Fallon. We say that plainly because it shapes how we work with people here: most of what we do can be done by phone or video, and an in-person meeting is a planned trip, not a casual stop. The rest of this page covers the decisions we hear about most from households in and around Warrenton.

Farm families and the question of who takes over

In the 2022 Census of Agriculture, Warren County had 534 farms on 115,250 acres, an average of 216 acres, and 91% of sales came from crops, mostly soybeans, corn, and hay (USDA). Of the 1,020 producers the census counted on those farms, 364 were 65 or older, and 93% of the farms were family farms. Warren County also ranked first in Missouri for cultivated Christmas trees and short-rotation woody crops, and 13th for nursery, greenhouse, floriculture, and sod sales. The USDA data point to a simple planning problem: a large share of the people who own and run these farms are at or near retirement age, and the land is often most of what the family owns.

Transition planning is mostly a conversation among the family, an attorney, and a CPA. Where we fit in is the money side, and the rules that matter are public:

The land versus everything else. If most of the estate is land, the heirs who do not farm may need to be paid out in cash, from life insurance, from other accounts, or from the sale or lease of part of the land. We help you work out what other assets you have, what they are worth, and how long they would last.
Basis. Property inherited from a decedent generally takes a basis equal to its fair market value on the date of death, so heirs who sell soon after may owe little gain (IRS Publication 551). Property given during life carries over the giver's basis instead. Retirement accounts do not get the step-up. Your attorney and CPA decide which path fits.
Gifts during life. The annual gift exclusion is $19,000 per recipient for 2026, and gifts above it generally require a gift tax return (Form 709) even if no tax is due (IRS). The federal basic exclusion amount for 2026 is $15 million per individual, and Missouri does not impose an estate tax or an inheritance tax (Missouri Department of Revenue).
Income averaging and timing. Schedule J lets an individual farmer elect to average farm income over the three prior tax years (IRS). Selling land over several years through an installment sale can spread the gain (IRS Topic 705).
Retirement income for the farmer who stops. When the operation is handed on, the question becomes what pays your bills: Social Security, savings, lease income, or a sale. We build the income plan, including Medicare premiums, which depend on the income you report two years earlier.

See estate planning coordination with your attorney for how we work with your attorney. We do not give legal or tax advice.

Working in Warrenton: schools, factories, ministry, and the road

The Warren County R-III School District, which serves Warrenton and Truesdale, has more than 3,000 students and over 500 employees, according to the Warrenton chamber's community guide. Other employers named by the chamber, the city, and local reports include the Coca-Cola packaging plant in Truesdale, Cascades' plastic food-container plant in Warrenton, which reports more than 90 employees, Tri-County Insurance, and Child Evangelism Fellowship, which is headquartered in Warrenton. Many residents also drive to jobs elsewhere along I-70.

We are not affiliated with any of these employers or organizations. Here is what we can help with, depending on where you work:

School employees. Teachers and many other school staff in Missouri districts outside St. Louis and Kansas City are covered by PSRS or PEERS (PSRS/PEERS), which set and pay their pensions. Ask those systems for an estimate; we help with accounts beside the pension and with the income plan.
Employees of nonprofits and ministries. Many such employers offer a 403(b) plan. For 2026, the IRS employee contribution limit for a 401(k), 403(b), or governmental 457 plan is $24,500, and the IRA limit is $7,500, with a $1,100 catch-up for IRA contributors age 50 and older (IRS). We help you decide how much to save, where, and what to do with the account when you leave.
Manufacturing and plant employees. A 401(k) rollover, a pension payment, or a retirement incentive each has tax effects. Leaving a plan, a direct rollover moves the money straight to an IRA or another plan with no tax withheld, while a check payable to you generally has 20% withheld (IRS). See our 401(k) rollover guide.
Commuters. A long drive each way makes it hard to find time for a financial meeting, which is one reason we meet by phone or video.

Moving toward retirement from a smaller-town budget

Median incomes in Warrenton are lower than in some of the towns closer to St. Louis, and housing costs are lower too: the Census Bureau reports a median owner-occupied home value of $204,800 and median gross rent of $964. For many households, the questions are practical and specific:

When to claim Social Security. The age you claim affects your monthly benefit for life. We show what each claiming age does to your income plan alongside your savings and any pension.
Missouri's Social Security subtraction. 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.
Medicare at 65. Enrollment, supplemental coverage, and the income-related premium are separate decisions. For 2026 the income-related charge starts above $109,000 for single filers and $218,000 for joint filers. A land sale can push one year's income over them and change a premium two years later. See our IRMAA planning guide.
Required minimum distributions. Required distributions generally begin at age 73 or 75, depending on your birth year (IRS). A qualified charitable distribution from an IRA, available from age 70½, can count toward the required amount without being included in your income, and the 2026 limit is $111,000 per person (IRS Notice 2025-67).

Taxes and your investments together

Renaud Tax & Accounting LLC, a CPA firm owned by Jeannie Renaud, CPA, is separate from Renaud & Company and shares our office. It prepares tax returns and does tax planning, including for farms and small businesses. With your permission your adviser and your CPA can coordinate on withdrawals, a land sale, and self-employment income. Each firm has its own engagement, and you can use either one without the other, or bring your own tax professional. See how a financial advisor and CPA plan together, or visit Renaud Tax & Accounting. For small-business owners in the county, see retirement planning for business owners.

Getting to our office from Warrenton

Our address: 2112 Bryan Valley Commercial Drive, O'Fallon, MO 63366. Warrenton is in Warren County, to the west, and our office is in St. Charles County, just south of I-70, so this is a straight run down the interstate.

By car from central Warrenton:

From City Hall at 200 West Booneslick Road, take Highway 47 to I-70 East toward St. Louis.
Stay on I-70 East for about 22 miles, through the Wentzville area.
Take exit 216 for Bryan Road in O'Fallon.
Follow Bryan Road south for about half a mile.
Turn right onto Bryan Valley Commercial Drive. Our office, at 2112, is a short way along this road.

By this route, it is about 24 miles from the middle of Warrenton, almost all of it on I-70. We have not listed a drive time because it changes with traffic. MoDOT's Improve I-70 Warrenton to Wentzville program includes construction tentatively set for 2025 to 2028, so check for 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.

Prefer not to drive? You can also meet with us virtually from anywhere, and many Warrenton households do.

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.

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 account, including any 403(b) or 401(k) at a past employer
Pension or PSRS/PEERS estimates, if you have them
For a farm: a list of the land, who owns each piece, any leases, and the most recent farm income statement
Your last two federal tax returns, if you want your adviser and CPA to work from them
Your Social Security statement, and your Medicare premium letters if you have them
Your estate documents, or the names of your attorney and tax professional

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 Warrenton?

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

How far is Warrenton from your office?

Our office at 2112 Bryan Valley Commercial Dr in O'Fallon is about 24 miles from central Warrenton by car, almost all of it on I-70. Take Highway 47 to I-70 East, stay on it for about 22 miles, take exit 216 for Bryan Road, follow Bryan Road south about half a mile, and turn right onto Bryan Valley Commercial Drive. Check your maps app before you go, because routes and traffic change, or call (636) 240-5055 for help with the last turns.

I live too far away to drive in. Can we work by phone or video?

Yes. Most of what we do, including reviewing accounts, a retirement income plan, and a Medicare premium review, works well by phone or video, and you can come to the O'Fallon office when it suits you. Many first meetings are a conversation about your accounts and your tax return.

How are you paid, and are you a fiduciary?

Renaud & Company, LLC is an SEC-registered investment adviser, and we are fiduciaries when we provide investment advice. How we are paid and what conflicts that creates are described in our Form ADV Part 2A and Form CRS, which we give you on request. You can also look up any adviser for free at Investor.gov. Registration does not imply a certain level of skill or training.

Our family farm will pass to the next generation. Where do we start?

Start by listing what you own, who owns it, and what each person wants: who wants to farm, who wants cash, and what you need to live on. Then bring in your attorney and CPA. Inherited property generally takes a basis equal to its fair market value on the date of death, gifts during life carry over the giver's basis, and the annual gift exclusion is $19,000 per recipient for 2026. Missouri does not impose an estate tax or inheritance tax. We help you see whether your other assets can cover the heirs who do not take the land.

Is a farm sale taxed at a lower rate?

Long-term capital gain, on property held more than a year, is 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. An installment sale, where you are paid over time, can spread the gain across years. The structure matters, so talk with your CPA and attorney before you sign a contract.

I work for a school district. What does PSRS/PEERS mean for my planning?

PSRS covers certificated teachers and PEERS covers non-certificated school employees who work at least 20 hours a week in covered Missouri districts. Those systems calculate and pay your pension, and you should ask them for your own estimate. We can help with a 403(b) or other account beside it, and with how to turn savings and a pension into a steady income.

How much can I put in a 403(b), 401(k), or IRA in 2026?

For 2026, the IRS employee contribution limit for a 401(k), 403(b), or governmental 457 plan is $24,500, and the IRA limit is $7,500, with a $1,100 catch-up for IRA contributors age 50 and older. Your plan may allow additional catch-up contributions and may have its own rules. Your CPA can confirm what you can deduct.

What happens to my Medicare premium if I sell land?

A sale can raise your income for the year, and Social Security generally uses your tax return from two years earlier to set Medicare Part B and drug-plan premiums. For 2026 the income-related charge (IRMAA) starts above $109,000 for single filers and $218,000 for joint filers. A sale in 2026 can affect 2028 premiums. Spreading a sale through an installment contract, or timing it with your CPA, may help.

What should I bring to a first meeting?

Bring your latest retirement account statements, any pension or PSRS/PEERS estimate, a list of land you own and any leases, your last two tax returns if you want them reviewed, the names of your tax professional and attorney, and any dates that matter, such as a retirement date or a planned sale.

Nearby towns we serve: Troy · Wentzville · Flint Hill · O'Fallon

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 Warren County R-III School District, Coca-Cola, Cascades, Tri-County Insurance, Child Evangelism Fellowship, PSRS/PEERS, or any employer, company, school system, or retirement system 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 and USDA figures describe the city or county 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 USDA, 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.