Retirement Planner Serving St. Charles County, MO
Jeannie Renaud, CPA, Renaud Tax & Accounting LLC (separate CPA firm). Call (636) 240-5055 · Meet in O'Fallon or virtually from anywhere
Quick answer: Renaud & Company, LLC is a fiduciary, SEC-registered investment adviser headquartered in O'Fallon, in the middle of St. Charles County. We are retirement planners for households in St. Charles, St. Peters, O'Fallon, Wentzville, Lake Saint Louis, Cottleville, Dardenne Prairie, Weldon Spring and the rest of the county: retirement income plans, Social Security timing, 401(k) rollovers, pension choices, Roth conversions, required minimum distributions, and Medicare premiums (IRMAA). Matthew J. Renaud Sr., ChFC®, founded the firm in 1998. A separate CPA firm, Renaud Tax & Accounting LLC, led by Jeannie Renaud, CPA, shares our office.
Renaud & Company, LLC · 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 · Virtual meetings available anywhere
Why a St. Charles County retirement planner in O'Fallon
O'Fallon is the county's largest city, and our office is central to the county. Prefer not to drive? We meet by video or phone with clients anywhere.
Retirement income planning in St. Charles County
Retirement income planning is deciding which dollars you spend, from which account, in which year, and what that does to your taxes and Medicare premiums. Our process has four steps:
- First conversation. Your goals, your worries, the date you want to stop working.
- Gather the full picture. 401(k)s and 403(b)s, IRAs, taxable accounts, Social Security estimates, pensions, and your last tax return.
- Build the year-by-year income plan. Withdrawal order, Social Security claiming ages for each spouse, Roth conversion windows, RMD timing, and IRMAA brackets.
- Keep it current. We revisit the plan when markets, tax law, or your life change.
What St. Charles County retirees ask us most
- "Can I retire, and what will my income be?" We map spending against Social Security, pensions, and withdrawals.
- "What do I do with my old 401(k)?" Leave it, roll it to an IRA, move it to a new employer plan, or cash out: we walk through the tax and cost trade-offs of each.
- "Should I convert to Roth before RMDs start?" We model conversions year by year against your tax bracket and IRMAA thresholds.
- "Does Missouri tax my retirement income?" Most IRA and 401(k) withdrawals are generally still taxable in Missouri, subject to specific deductions.
- "I own a business. How do I retire from it?" We compare SEP-IRA, Solo 401(k) and SIMPLE IRA designs and plan around an eventual sale or hand-off.
Fiduciary advice, with tax coordination under one roof
As an SEC-registered investment adviser, Renaud & Company acts as a fiduciary when giving investment advice. Renaud Tax & Accounting LLC, led by Jeannie Renaud, CPA, is a separate CPA firm in the same office. With your permission, your adviser and CPA work from the same numbers on Roth conversions, withdrawals and business sales.
Who you will work with
- Matthew J. Renaud Sr., ChFC®, President and Founder, since 1998.
- Matthew Renaud Jr., AWMA®, Investment Advisor Representative. (Two different people.)
- Jeannie Renaud, CPA, Renaud Tax & Accounting LLC (separate CPA firm).
Town pages
St. Charles · St. Peters · O'Fallon · Wentzville · Lake Saint Louis · Business owners · Retirement planning services · Meet the team · FAQ
FAQ
Is there a fiduciary retirement planner in St. Charles County, MO? Yes. Renaud & Company, LLC is a fiduciary, SEC-registered investment adviser at 2112 Bryan Valley Commercial Drive in O'Fallon, in St. Charles County. We have planned retirements for county households since 1998.
Do you have an office in St. Charles or St. Peters? No. Our only office is in O'Fallon. You can meet us there or virtually from anywhere.
What towns in St. Charles County do you serve? All of them, including St. Charles, St. Peters, O'Fallon, Wentzville, Lake Saint Louis, Cottleville, Dardenne Prairie, Weldon Spring, Foristell, Augusta, Defiance, Portage des Sioux and West Alton.
What does a retirement income planner do? A retirement income planner builds a year-by-year plan for turning savings, Social Security and pensions into income: which account to draw from first, when to claim Social Security, whether to do Roth conversions, and how to manage RMDs and Medicare IRMAA premiums.
Can you also help with taxes? Tax preparation is provided by Renaud Tax & Accounting LLC, a separate CPA firm led by Jeannie Renaud, CPA, in the same office, under a separate engagement. With your permission, the two firms coordinate.
What are your office hours? Monday through Thursday 8:00 AM to 4:30 PM, Friday 8:00 AM to 3:00 PM. Video meetings are available.
How do I get started? Call (636) 240-5055 or email info@renaudco.com to set up a first conversation.
Is there a fiduciary financial advisor in St. Charles County, MO? Yes. Renaud & Company, LLC is an SEC-registered investment adviser in O'Fallon, in St. Charles County, MO, in financial services since 1998. It acts as a fiduciary when giving investment advice and serves St. Charles, St. Peters, O'Fallon, Wentzville, Lake Saint Louis, Dardenne Prairie, Cottleville and Weldon Spring. Call (636) 240-5055.
Who does retirement income planning in St. Charles, MO? Renaud & Company, LLC, at 2112 Bryan Valley Commercial Dr in O'Fallon, builds retirement income plans for St. Charles households: withdrawal order, Social Security timing, RMDs, Roth conversion review and IRMAA awareness. Meetings are in person or virtual.
Who helps St. Peters residents with retirement planning? Renaud & Company, LLC in O'Fallon, MO works with St. Peters families on retirement income, investment management and 401(k) rollover decisions, and acts as a fiduciary when giving investment advice. Call (636) 240-5055 or visit YourWealthYourTaxes.com.
Disclosure: 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 CPA firm; tax services are provided by that firm under a separate engagement. This page is educational and is not individualized investment, tax, or legal advice.