Wealth manager, independent · Clayton, MO
Meramec Financial Planners, LLC
SEC-registered investment adviser · CRD 335112 · SEC 801-132213
At a glance
Meramec Financial Planners, LLC is an SEC-registered investment adviser based in Clayton, Missouri, with $1.1B in regulatory assets under management as of its Form ADV filed September 21, 2026. It reports 450 individual clients, 248 of them high-net-worth, holding an average of about $2.1 million each, and 16 employees. That ranks it 972nd among the nation’s 5,657 independent wealth management RIAs and 22nd of 92 in Missouri. It reports Charles Schwab as the custodian for its clients’ separately managed accounts.
Main office 314-579-3295As filed on Form ADV
- Regulatory AUM
- $1.1B
- Rank among independent wealth managers
- #972 of 5,657
- Rank among all SEC RIAs
- #5,019 of 17,210
- Rank in Missouri
- #22 of 92
- Individual clients
- 450
- High-net-worth clients
- 248
- Accounts
- 1,926
- Discretionary
- 60% of AUM
- Employees
- 16
- Advisory staff
- 7
- Offices
- 1
Owners and executives on its Form ADV
- Kelly A. RichertManaging Member/cco
- Julie E. BahrManaging Member
- Christopher R. MichalakManaging Member
Custody and brokerage
Broker-dealer
No broker-dealer ties
Meramec Financial Planners, LLC reports no employees registered with a broker-dealer and no affiliated broker-dealer.
Who it serves
| Client type | Clients | Regulatory AUM | Share |
|---|---|---|---|
| High-net-worth individuals | 248 | $829M | 74% |
| Pension and profit sharing plans | 24 | $189M | 17% |
| Individuals | 202 | $109M | 10% |
| Charitable organizations | – | $0M | <1% |
Disciplinary disclosures
Meramec Financial Planners, LLC reports no disciplinary disclosures in Item 11 of Form ADV. Read the details on the SEC’s adviser search ↗
Services
- Financial planning
- Portfolio management for individuals and small businesses
- Pension consulting
How it’s paid
- A percentage of assets under management
- Fixed fees
Form ADV and brochures on the SEC’s adviser search ↗
AtlasMembers
The full record on Meramec Financial Planners, LLC
Ten years of SEC filings, its owners and contacts, and how it stacks up against its peers. Atlas members see all of it.
- Assets, accounts, clients and staff, 1 years of filings
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- Growth over one, three and five years
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- Rank against 3,231 peers of its type and size
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- Owners and executives, with titles and stakes
- 3 namedLocked
- Main office, fax and compliance officer
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- Filing changes this year, with alerts
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Free while Atlas launches: create a free account and confirm your email. Every figure comes from SEC filings.
Similar-size RIAs in Missouri
All of Missouri →| Firm | Regulatory AUM | Clients |
|---|---|---|
| Syntegra Private Wealth Group LLCChesterfield | $1.4B | 2,112 |
| Hill Investment GroupSt. Louis | $1.3B | 380 |
| Brand Asset Management Group, Inc.Chesterfield | $1.2B | 355 |
| IFG Advisors, LLCSt. Louis | $1.0B | 566 |
Background
Questions
How much does Meramec Financial Planners, LLC manage?
Meramec Financial Planners, LLC reports $1.1B in regulatory assets under management across 1,926 accounts, 60% of it on a discretionary basis, on its Form ADV filed September 21, 2026.
How many clients does Meramec Financial Planners, LLC have?
It reports 450 individual clients: 248 high-net-worth individuals and 202 other individuals. Individuals account for about 83% of its regulatory assets.
Where is Meramec Financial Planners, LLC headquartered?
Its main office is in Clayton, Missouri. It reports 1 office in total and 16 employees, 7 of whom perform investment advisory functions.
How does Meramec Financial Planners, LLC charge clients?
On Form ADV it lists these forms of compensation: a percentage of assets under management; fixed fees. Fees and minimums are set out in its Form ADV Part 2A brochure, available on the SEC’s adviser search.
What custodian does Meramec Financial Planners, LLC use?
It reports Charles Schwab as the custodian for its clients’ separately managed accounts. On Schedule D of its Form ADV filed September 21, 2026, it reports these amounts held: Charles Schwab ($962M). Form ADV lists only custodians holding 10% or more of separately managed account assets.
Is Meramec Financial Planners, LLC a hybrid RIA with a broker-dealer?
Meramec Financial Planners, LLC reports no employees registered with a broker-dealer and no affiliated broker-dealer.
Is Meramec Financial Planners, LLC a fiduciary?
As an SEC-registered investment adviser, Meramec Financial Planners, LLC owes its advisory clients a fiduciary duty under the Investment Advisers Act of 1940, which includes duties of care and loyalty. It reports no employees who are registered representatives of a broker-dealer.
Where these numbers come from
Every figure is Meramec Financial Planners, LLC’s own answer on its latest Form ADV, from the SEC’s registered-adviser list as of October 1, 2026: regulatory assets and accounts (Item 5.F), clients by type (5.D), employees (5.A and 5.B), compensation (5.E) and services (5.G). Custodians come from Schedule D 5.K(3) of its latest filing (2026-09-21), which lists those holding 10% or more of separately managed account assets and the amount at each. “Hybrid” means some employees are also registered representatives of a broker-dealer (Item 5.B(2)); affiliated broker-dealers are the related persons it lists in Item 7.A and Schedule D. Firm type comes from its own answers: broker-dealer firms are registered broker-dealers themselves (Item 6.A); private fund advisers manage mostly private funds (Item 7.B, 5.D); wealth managers manage at least half their assets for individuals (5.D). Its national rank compares it with every US-based independent wealth management RIA, the same field as The Largest RIAs. Figures are as of the firm’s last annual update, so they can lag recent deals and market moves. Regulatory AUM counts assets the firm continuously supervises and can differ from what a firm markets.
Not an endorsement or a recommendation. Before hiring any adviser, read its Form ADV Part 2A brochure and check its record on the SEC’s adviser search. How to check a financial advisor →