Investment Planning

CFG works with its clients to understand their investment goals and philosophy and then establishes a path forward accordingly.

 

With access to hundreds of investment options and funds, we work to create an investment strategy that is customized to meet the needs of each client.

OUR PROCESS

Everyone is different, and our team embraces the uniqueness of every client from the start.

At the beginning of our investment planning process, a dedicated team will develop an investment policy outline that prescribes the investment philosophy unique to the client. We listen to each client to define a framework for important investment management procedures and long-term goals for the client.

We generally meet semi-annually with our clients to review portfolio performance and make modifications when needed. Outside of the formal semi-annual meetings, we are happy to meet on a mutually-agreeable schedule.

EXPECT MORE.

We take an exceptional effort to get to know each client and their family. We offer unbiased, objective investment advice to grandparents, parents, and children, and we treat every client like we would treat our own family member. Just one floor above our headquarters office are 11 equity analysts, who offer investment recommendations based solely your best interest. There are no commissions, no golf trips, no wine… in short, no motivations for the research team other than serving our clients. Based on Modern Portfolio Theory, and incorporating your age and risk profile, the CFG team constructs an asset allocation strategy customized for you and your goals.

QUESTIONS TO CONSIDER

As you consider investment planning services, think about the following:

How do I define “financial independence”?
What degree of risk do I need to take in my portfolio to achieve my personal goals and objectives?
What relationship attributes do I desire from a financial advisor?

Bower Team
Kenneth J. Bower
MBA, CFP®​
314.446.3255 kbower@claytonfinancialgroup.com
Managing Director
 
Ken began his career in wealth management after launching three startup companies in Baltimore and Saint Louis. He earned his undergraduate degree from Dartmouth College (where he played Varsity Football and won two Ivy League championships) and his MBA from Kellogg (Northwestern). Committed to community involvement, Ken serves on a number of charitable boards. He enjoys Cardinals baseball and makes an annual pilgrimage to Spring Training in Jupiter, Florida. Ken and his wife, Mary, have two young children, Joe and Claire. “I am fortunate to work with a great team, where we all work hard to serve clients who appreciate the value of our services.”
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Bower Team
Matthew J. Bower
MBA, CFP®​​​
314.446.3254 mbower@claytonfinancialgroup.com
Managing Director
 

Matthew has been involved in the wealth management industry for over ten years providing customized services to each of the families he serves. His goal is to implement strategies that align with the long-term planning goals for each client.

He earned his B.A. in Mathematics and Computer Science from Colorado College and his Masters of Business Administration with an emphasis in Finance from Washington University in St. Louis. While at Colorado College, he played three years of Division III soccer.

He is involved with Entrepreneurs’ Organization St. Louis serving as a sponsor for the Accelerator program. Matthew enjoys spending time with his wife, Mary, and children, Grace and John. They enjoy traveling, attending sporting events and taking advantage of all the great things St. Louis has to offer.

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Michalak Team
Chris Michalak ​​
314.446.3261 cmichalak@claytonfinancialgroup.com
Managing Director
 

With over 20 years of experience in the financial industry, Chris Michalak serves as a Managing Director at Clayton Financial Group and is a five-time recipient of St. Louis Magazine 5 Star Wealth Manager designation. With a primary focus of acting as an advocate for every client, Chris works to understand his client’s goals and then create a sustainable, long-term plan that will lead to financial success.

Having been groomed to take over a successful family business, Chris also has particular expertise in the complicated dynamics that confront many families and businesses. This background has naturally led to working with business owners on their company retirement plan needs.

For companies and institutions, CFG provides a fully-bundled retirement plan solution including expertise in designing retirement plans that best align with corporate objectives. With Chris’ leadership, CFG matches this with highly-customized employee education programs that maximize each participant’s chances for a successful retirement.

Prior to joining CFG, he served as an investment representative at Edward D. Jones & Co and Partner at Moneta Group.

  • ACCREDITED ASSET MANAGEMENT SPECIALIST℠
  • Accredited Investment Fiduciary®
  • Ronald McDonald House Charities – Kids & Clays, Committee Chairperson
  • Gateway MS Society – 2007-2009 Corporate Achievers participant
  • Missouri Athletic Club
    • Board Member 2010-2013
    • Finance Committee Chairperson 2012
    • Pension Subcommittee Chair 2011-present
  • Bellerive Country Club Board Member 2013-present
  • Peter & Paul Committee Services – Board Member & Treasurer 2013-present
  • Moneta Group, 401(k) Committee – 2014-2016
  • RPS Benefits – Advisory Board
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Bahr Team
Julie E. Bahr
MBA, AWMA®, CFP®​​
314.446.3253 jbahr@claytonfinancialgroup.com
Managing Director
 

Julie Bahr places the utmost importance on providing clients with personal care and service when helping them plan for a successful financial future.

Throughout her career, Julie has used her significant experience and expertise to help clients simplify the many complexities of their financial lives. By placing a heavy emphasis on closely understanding each family’s values, Julie develops a plan that best achieves their financial goals. “The relationship between an advisor and a client is a very personal one,” she says. “Together, we discern their specific needs and goals, and schedule regular meetings to achieve their financial success: each member of our team takes pride in going above and beyond for every client and addressing any problem or need that may arise along the way.”

As a result of Julie’s professional excellence and philanthropic dedication, she was named to St. Louis Business Journal’s prestigious ‘40 under 40’ list in 2011. She has also been recognized with the FIVE STAR Wealth Manager Award for exceptional expertise and commitment to client satisfaction annually since 2013.

Julie earned her B.S. in Business Administration from the University of Missouri – Columbia and her MBA from Maryville University. She oversaw mutual fund operations for Edward Jones, was the management assistant at Anheuser-Busch Employees Credit Union, and served as President and CEO of the Missouri Student Financial Credit Union in Columbia, Mo. She brought her experience to Moneta Group in 2001, where she worked until joining Clayton Financial Group as Managing Director in 2015.

Outside of the office, Julie is an active member of the civic community and enjoys volunteering for many different charities, reading and traveling with her family. She resides in Town and Country with her husband, Marc, and their children.

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Bower Team
DeAnna Kaber
RP, AWMA®​​
314.446.3251 dkaber@claytonfinancialgroup.com
Director of Operations
 

DeAnna began her career as a Financial Aid Director at Allied Medical College. She attended Columbia College focusing her area of study on psychology and communications. This foundation, along with her strong interest in finance, continued to grow and support her as she decided to transition into personal finance and wealth management. She joined Moneta Group in 2004. In 2010, she obtained her designation as a Registered Paraplanner (SM) professional and in 2014 became designated as an Accredited Wealth Management Advisor (SM).

Along with spending time with her husband, Jeremy, and two children, Abby and Alex, she enjoys playing competitive volleyball and coaching her son’s soccer team. DeAnna’s hard work and dedication has been apparent throughout her career. “I truly enjoy and strive to assure that my clients get the continuous high-level service that they have grown to expect and deserve.”

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Bower Team
Margaret Klokkenga
CPA, CFP®
314.446.3257 mklokkenga@claytonfinancialgroup.com
Senior Advisor
 

Working on the Bahr Team allows Maggie to do what she loves most – help others, serve clients to the fullest, and truly take care of each family.Maggie utilizes her passion for helping people to provide extraordinary service to clients. She works with her team to simplify complicated financial topics, including investments, retirement, education planning, and smaller items, such as acquiring insurance quotes or finding the right credit card. Through all of these services and more, Maggie strives to make clients’ lives easier.

Maggie earned her B.S. in Accounting from Truman State University. She began her career as a CPA working at KPMG LLP, Gelfand Rennert and Feldman LLP and then RubinBrown LLP. While at RubinBrown, she served as manager in charge of the Family Office Services Group. Looking to further her personal connections with clients, Maggie joined former employer Moneta Group in 2012 as a professional consultant and joined Clayton Financial Group in 2015.

Maggie and her husband, Brett, live in central Illinois with their children.

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Bahr Team
Lynn A. Hogan
RP®​
314.446.3252 lhogan@claytonfinancialgroup.com
Director of Client Services
 

Lynn is responsible for managing all client operational tasks, ensuring smooth day to day operations, and achieving a high level of client satisfaction. She processes all paperwork for new accounts and works with custodians Schwab and Fidelity and third-party providers Vanguard, TIAA-CREF, and Missouri MOST, among others, to ensure accurate and timely management of investment accounts. She enjoys solving problems for the clients: “our clients rely on us and trust us; they know that we’re here for them.”

Lynn received her B.S. in Business Administration from MacMurray College. She began her career as a New Accounts Coordinator at Smith Barney. She earned her Series 7 and Series 63 licenses and became a Registered Sales Associate. In 2014, she earned her Registered Paraplanner (SM) designation.

Lynn lives with her husband, Marty, and their children in West St. Louis County. She enjoys family time and playing golf with Marty and their children. She also enjoys reading and watching her boys play baseball.

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Bahr Team
Kerry Keeney
314.446.3258 kkeeney@claytonfinancialgroup.com
Client Relationship Strategist
 

Kerry works on all areas of client service, including preparation of client reviews, updating beneficiaries, and establishing efficiencies in the day-to-day operations. She enjoys working with a team who cares so much about every client and their individual needs. Kerry likes “knowing that what we do is helping someone and their family.”

Kerry was a junior financial analyst with TBG Development and senior purchasing financial analyst with May Department Stores. She joined Julie Bahr and her team at Moneta Group in 2012 before moving with Julie to Clayton Financial Group. She holds a Bachelor of Science in Business Administration with an emphasis in Finance from University of Missouri-St. Louis.

Kerry and her husband, Eric, live in Webster Groves with their children. Outside of work, she enjoys volunteering at her church and children’s schools and distance running.

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Bahr Team
Kathy Blair
314.446.3263 kblair@claytonfinancialgroup.com
Office Manager
 

Kathy brings many years of administrative experience to the Clayton Financial Group. She handles all of the administrative tasks for the Bahr Team, including handling the team’s calendar, Julie’s travel, client billing and ensuring everyone has the supplies they need. Kathy also assists with office manager responsibilities for the entire Clayton Financial Group office. She enjoys working in a team setting and taking care of the clients.

Prior to joining the Bahr Team, she worked for General American Life Insurance Company, D’Arcy-MacManus & Masius, The Seven-Up Company, Rehab 1 Network and Moneta Group. Kathy attended Meramec Community College and Hickey College.

Kathy resides in Ballwin, and in her free time, Kathy enjoys spending time with her family and friends listening to live music and going to movies and museums.

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Bahr Team
Donna Weber
314.446.3259 dweber@claytonfinancialgroup.com
Client Relationship Specialist
 

Donna works on the preparation of client reviews and many daily operational duties for the Bahr Team. She enjoys working with this efficient, hard-working and friendly team. She loves the way everyone pitches in to keep everything flowing smoothly.

Donna was most recently in Retirement Services at Edward Jones and a Client Service Manager at Moneta Group before joining the Bahr team at Clayton Financial Group. Her earlier career was in Pharmaceutical Sales, before staying home to raise her 2 boys.

Donna has a Bachelor of Science degree in Business and Marketing from Missouri State University.

Outside of work, Donna enjoys Cardinal baseball and loves to read.

 

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Bower Team
Brooke Stalberger
314.446.3269 bstalberger@claytonfinancialgroup.com
Client Relationship Specialist
 

​Brooke joined Clayton Financial Group in May of 2016 bringing with her over seven years of experience working in the wealth management industry. She takes pride in cultivating strong client relationships by providing excellent and comprehensive service. She enjoys working alongside her clients to ensure their long-term goals are attained and their expectations of service are surpassed.

She obtained her B.S. in Finance with a minor in Accountancy from Southern Illinois University – Carbondale where she graduated cum laude.

Outside the office you can find Brooke spending time with her daughter, Ava and husband, Jason. She also enjoys spending time with her dogs, reading, playing recreational sand volleyball, and traveling.

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Michalak Team
Kathy Nelson ​​
314.446.3263 knelson@claytonfinancialgroup.com
Director of Client Services
 
 

Kathy obtained her B.S. in Psychology with a minor in Communications from Missouri State University, where she graduated cum laude. Growing up with her family in St. Charles, MO, finance was always important. She learned early the importance of saving, budgeting, and investing to meet personal goals. After graduating, she worked at a brokerage firm, within the investment department of a regional credit union, and a life insurance agency. These experiences led to her obtaining her Series 52, 7, and 63 licenses, as well as her MO life insurance license. In 2006, she joined Moneta Group and Chris Michalak’s Team. Combining her school, work, and personal life skills, she found her niche – helping other achieve their goals through financial planning.

Kathy, and her husband, Tim, recently moved from south St. Louis City to Kirkwood, MO and are expecting their first child in August. Along with spending time with Tim and their four-legged companions, she enjoys baking and cooking.

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Michalak Team
Laura Paulsell
CFP®​​​
314.446.3262 lpaulsell@claytonfinancialgroup.com
Senior Advisor
 

Clayton Financial Group Advisor Laura Paulsell works with the Michalak team to provide clients with relevant solutions and outstanding client service. She strives to build strong relationships with clients to better understand their needs.

Laura earned her B.S.B.A. in Finance with a minor in Economics from the University of Missouri-Columbia and has served in the financial industry for more than ten years. In 2011, she obtained the CERTIFIED FINANCIAL PLANNER™ designation.

Laura lives in Chesterfield with her husband, Matt, and daughter, Cate. She enjoys spending time with family and Cardinals baseball.

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Michalak Team
Melissa VandeVen ​​​
314.446.3264 mvandeven@claytonfinancialgroup.com
Client Relationship Specialist
 

As a Client Relationship Specialist on the Michalak Team, Melissa strives to give her clients the best care possible. She enjoys that CFG is here first and foremost to serve the best interests of the client; and finds satisfaction in being able to help clients’ reach their goals, while building close relationships with them.

Melissa graduated from Murray State University in 2015 with a B.S. in Finance. Shortly after graduation, she joined the Michalak Team.

Outside of CFG, Melissa enjoys attending St. Louis Cardinals & Blues games, spending summers at her lake house with friends and family, and traveling.

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Bahr Team
Carter Schmid
314.446.3253 cschmid@claytonfinancialgroup.com
Associate Advisor 
 
 

Carter joined Clayton Financial Group in February 2017 to pursue his passion of helping individuals and families accomplish their financial goals through a comprehensive, needs-based approach. He has a background in Risk Management from his time at BB&T Bank in Charlotte, North Carolina, and has five years of experience in the financial services industry.

Eager to plant his roots in St. Louis, Carter moved home to begin helping clients make sense of the complexities surrounding financial planning, while hoping to establish peace of mind through careful assessment and understanding of client values.
Carter received his B.A. in Global Markets from Southern Methodist University and is currently working toward his CFP designation.

Outside of work, Carter enjoys St. Louis sports, golf, and traveling with his wife, Bri.

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Bower Team
Nathan J. Black
MBA​
314.446.3266 nblack@claytonfinancialgroup.com
Associate Advisor
 
Nathan has more than 10 years of experience in the wealth management industry, where he has pursued his passion for financial planning while also building strong relationships with clients. He holds a Bachelor of Science in Finance from Missouri State University and a Master of Business Administration with an emphasis in Finance from Saint Louis University. Nathan and his wife Jessica have two young children, Ellis and Emery. In addition to spending time with his family, he enjoys Cardinals baseball, golf, and traveling.

“Being an instrumental part in helping clients reach their goals is truly exciting and motivates me to continuously strive for excellence.”

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