Meramec Financial Planners provides financial planning, portfolio management for individuals and small businesses, pension consulting, estate planning, and tax planning. Financial planning was provided to 251–500 clients last fiscal year.
Meramec Financial Planners reports 474 clients. They include 248 high-net-worth individuals, 202 individual clients, and 24 pension and profit-sharing plans. Of its assets, 59.6% ($671M across 1,331 accounts) are managed with discretion; $456M across 595 accounts are not. It advised 4 clients without assets under management last fiscal year.
| Client type | Clients | Assets |
|---|---|---|
| Individuals (other than HNW) | 43% | 10% |
| High-net-worth individuals | 52% | 74% |
| Pension and profit-sharing plans | 5% | 17% |
| Charitable organizations | Fewer than 5 | <1% |
Client shares use reported counts. Client types without a reported count are excluded from that total.
Client breakdown and activity details
| Client type | Clients | Regulatory AUM | AUM share | Avg. per client |
|---|---|---|---|---|
| Individuals (other than HNW) | 202 | $109M | 9.7% | $539K |
| High-net-worth individuals | 248 | $829M | 73.6% | $3.34M |
| Pension and profit-sharing plans | 24 | $189M | 16.8% | $7.87M |
| Charitable organizations | Fewer than 5 | $73.5K | 0.0% | — |
| Total | 474 | $1.13B | 100% | — |
- Clients
- 202
- Regulatory AUM
- $109M
- AUM share
- 9.7%
- Avg. per client
- $539K
- Clients
- 248
- Regulatory AUM
- $829M
- AUM share
- 73.6%
- Avg. per client
- $3.34M
- Clients
- 24
- Regulatory AUM
- $189M
- AUM share
- 16.8%
- Avg. per client
- $7.87M
- Clients
- Fewer than 5
- Regulatory AUM
- $73.5K
- AUM share
- 0.0%
- Avg. per client
- —
Total
- Clients
- 474
- Regulatory AUM
- $1.13B
- AUM share
- 100%
- Avg. per client
- —
- Clients outside the U.S.
- 0%
- Clients advised without assets under management last fiscal year
- 4
- Private funds advised
- 0
- Financial planning clients last fiscal year
- 251–500
Meramec Financial Planners charges 0.25%–1.00% a year for its Asset Management. The fee is billed in advance. The brochure also prices one other service, listed under fee details.
Fee details and sources
Other fees
- Financial Planning and Consulting
- Financial planning and consulting carry an ongoing fixed fee, estimated before the planning process based on complexity; the fee may be waived if the plan is implemented through MFP.
Kelly Richert owns 25% to 50% of Meramec Financial Planners. It has 16 employees, 7 of them in advisory roles.
Staff
- 16 employees
- 7 in advisory functions
- 7 state-registered reps
- Owns 25% to 50% of Meramec Financial Planners, LLC
Kelly Richert
Control person · since February 2025
- Owns 25% to 50% of Meramec Financial Planners, LLC
Julie Bahr
Control person · since February 2025
- Owns 25% to 50% of Meramec Financial Planners, LLC
Christopher Michalak
Control person · since February 2025
Meramec Financial Planners’ regulatory assets fell from $1.28B (July 2025) to $1.13B (September 2026); clients fell from 529 to 474 and employees were 16 in both filings.
Figures from each annual filing
| Filed | Regulatory AUM | Clients | StaffEmployees | Offices |
|---|---|---|---|---|
| Sep 2026September 2026 | $1.13B | 474 | 16 | 1 |
| Jul 2025July 2025 | $1.28B | 529 | 16 | 1 |
Besides its headquarters, Meramec Financial Planners has 0 offices, with 1 listed address in 1 state.
Missouri · 1 listed address
- 7911 Forsyth BLVD., Suite 200, ClaytonHQ
Contact and registration details
- Legal name
- Meramec Financial Planners, LLC
- Headquarters
- 7911 Forsyth BLVD., Suite 200, Clayton, MO 63105
- Website
- meramecfinancialplanners.com
- Phone
- 314-579-3295
- SEC file
- 801-132213
- Founded
- 2025
- Structure
- Missouri LLC
- Fiscal year end
- December
Meramec Financial Planners’ named custodian for separately managed accounts is Charles Schwab ($962M). Meramec Financial Planners has custody of $1.03B for 200 clients.
- Charles SchwabCharles Schwab & Co., Inc. · Westlake, TX · $962M100%
At year end, Meramec Financial Planners’ separately managed accounts were mostly in funds (68%) and stocks (14%). Its reported 13F holdings for the quarter ended 30 June 2026 total $274M across 550 positions; the largest are iShares TR (7.4%), iShares TR (6.2%) and Vanguard Index Fds (5.1%).
What the accounts hold
- Stocks14%
- Funds68%
- Bonds6%
- U.S. government and agency bonds3%
- State and local bonds2%
- Investment grade corporate bonds1%
- Cash12%
How many clients does Meramec Financial Planners have?
Meramec Financial Planners has 474 clients and manages $1.13 billion for them, as of September 2026. They include 248 high-net-worth individuals, 202 individual clients, and 24 pension and profit-sharing plans.
Source: Form ADV Part 1A, Items 5.D and 5.F, filed 21 September 2026
What services does Meramec Financial Planners offer?
Meramec Financial Planners provides financial planning, portfolio management for individuals and small businesses, pension consulting, estate planning, and tax planning.
Source: Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file; Part 2A brochure, Item 4
How much does Meramec Financial Planners charge?
Meramec Financial Planners charges 0.25%–1.00% a year for its Asset Management. The fee is billed in advance.
Which custodians does Meramec Financial Planners use?
Meramec Financial Planners’ separately managed account assets are held at Charles Schwab & Co., Inc. (Westlake, TX), with $962M. Only custodians holding at least a tenth of those assets are named.
Source: Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 21 September 2026
How many financial advisors does Meramec Financial Planners have?
Meramec Financial Planners has 7 investment adviser representatives registered with state securities authorities, out of 16 employees, and 7 perform investment advisory functions. None are registered representatives of a broker-dealer or licensed insurance agents.
Source: Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file
What does Meramec Financial Planners invest in?
At the end of its last fiscal year, Meramec Financial Planners’ separately managed accounts held 68% registered funds (mutual funds, ETFs, BDCs), 14% exchange-traded equities, 12% cash and equivalents, 3% U.S. government and agency bonds, 2% state and local bonds and 1% investment grade corporate bonds.
Source: Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file
Who owns Meramec Financial Planners?
Meramec Financial Planners’ direct owners are Kelly Richert, Julie Bahr and Christopher Michalak, each holding 50% or less.
Source: Form ADV Part 1A, Schedules A and B, filed 21 September 2026
How does Meramec Financial Planners get paid?
Meramec Financial Planners is paid through a percentage of assets under management and fixed fees. Its Form ADV lists no commissions or performance-based fees among how it is paid.
Source: Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file
How do I contact Meramec Financial Planners?
Meramec Financial Planners’ main office is at 7911 Forsyth BLVD., Suite 200, Clayton, MO 63105. Its phone number is 314-579-3295. Its website is meramecfinancialplanners.com.