Financial Advisor Serving Wentzville, MO
Quick answer: Renaud & Company Registered Investment Advisors is a fiduciary, SEC-registered investment adviser in nearby O'Fallon that helps Wentzville families with employer retirement plan decisions, 401(k) rollovers, education funding, and retirement income planning. Matthew J. Renaud Sr., ChFC®, founded the firm in 1998, and a separate tax firm led by Jeannie Renaud, CPA, shares its office.
Planning decisions Wentzville households bring us
For Wentzville households the planning questions are usually practical:
Employer plan and pension choices
If your employer offers a pension, a lump-sum option, or a 401(k) with company matching, the choices you make at a job change or retirement are hard to reverse. We help you compare options side by side: stay in the plan, roll over to an IRA, take a pension annuity or lump sum, or another path.
401(k) rollovers when you change jobs
Moving a 401(k) is a one-time decision with fee, investment-choice, and tax trade-offs. We explain each path so you can decide whether a rollover makes sense for you.
Education funding
Many Wentzville parents are saving for college or K–12 costs while still funding their own retirement. We plan both at once. See the education funding guide for Missouri's MOST 529 deduction limits.
Retirement income and Medicare
For pre-retirees in their late 50s and 60s, we map Social Security timing, withdrawals, and the Medicare transition at 65, including IRMAA.
Wealth and tax planning together
Renaud Tax & Accounting LLC, led by Jeannie Renaud, CPA (30+ years in income taxation), is a separate firm in our office. With your permission your advisor and CPA can coordinate on withdrawals, Roth conversions, and equity or self-employment income. Each firm has its own engagement and fees.
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.
Renaud & Company Registered Investment Advisors · 2112 Bryan Valley Commercial Drive, 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 Wentzville?
Yes. Our office is at 2112 Bryan Valley Commercial Drive in O'Fallon, and we serve Wentzville and the rest of St. Charles County. You can meet with us in person at our O'Fallon office, or virtually from anywhere, including from another state.
Should I take a pension lump sum or monthly payments?
There is no single answer. The decision depends on your health, other income, your spouse's needs, the plan's terms, and taxes. We compare the options with you; a lump sum can often be rolled into an IRA, and the pension plan's documents control what is available.
What are my options for a 401(k) at an old employer?
Generally you can leave it in the old plan, roll it to an IRA, move it to a new employer's plan if allowed, or take a distribution, which can trigger taxes and penalties. We review costs, investment choices, and tax effects with you before you decide.
Next step: Call (636) 240-5055 or visit yourwealthyourtaxes.com to book a 45-minute coordination meeting with the team, or email info@renaudco.com. 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. Renaud Tax & Accounting LLC is a separate firm; tax preparation and accounting services are provided by that firm under a separate engagement and separate fees. Renaud & Company, LLC and its advisors do not provide tax or legal advice. Our Form ADV Part 2A and Form CRS describe our services, fees, and conflicts of interest and are available at adviserinfo.sec.gov (CRD 115337) or on request. This page is educational and is not individualized investment, tax, or legal advice. Figures and rules cited are as of the date shown and can change.