Frequently Asked Questions

Yes. Metanoia Financial is an independent, 100% fee-only fiduciary advisory firm located in Clayton, MO, serving clients in the greater St. Louis area and nationwide. Operating to the fiduciary standard means we are legally and ethically bound to put your financial interests above our own. Because we are fee-only, we do not earn commissions from selling financial products, allowing us to provide completely objective advice.

A Personal CFO is a specialized fiduciary advisor who acts as the ‘chief financial officer’ for your family’s wealth. Rather than just giving you a list of investment recommendations, my team and I handle the proactive implementation and ongoing execution of your entire Financial Life Plan. We coordinate your retirement income, proactive tax strategies, and investment stewardship. We also work directly with your CPA and estate attorney so you can delegate the complex details and focus on enjoying your retirement.

Our Personal CFO service is built specifically for “delegators”—diligent savers who have built significant wealth (typically $1M+ in investable assets) and want a trusted professional to manage the complexities of wealth preservation.

We specialize in helping individuals and families navigate the Financial “Red Zone”—the critical 5 to 10 years immediately before and after retirement. This is the phase where sequence of returns risk, tax cliffs, and healthcare costs require advanced planning beyond basic accumulation strategies.

Because we are strictly fee-only, our pricing is transparent. We do not charge hidden commissions or product fees. Our Personal CFO services are assessed as an ongoing quarterly retainer based on Assets Under Management (AUM):

• First $1,000,000: 0.25% per quarter (1.00% annualized)

• Next $2,000,000: 0.20% per quarter (0.80% annualized)

• Balance above $3,000,000: 0.15% per quarter (0.60% annualized)

We believe true wealth management is like an iceberg: investment returns are just the visible tip. A comprehensive Financial Life Plan addresses the massive structure beneath the surface. As your Personal CFO, we actively manage proactive tax strategies (like Roth conversions and Asset Location), healthcare funding (like IRMAA surcharges), and estate planning essentials to protect your family’s legacy.

We structure our communication to fit your lifestyle. We spend more time together upfront as we build the foundation of your Financial Life Plan. Once established, we proactively reach out every quarter for a structured review to keep your plan optimized. Between those meetings, we serve as your on-call Personal CFO, welcoming regular communication via email, phone calls, or web conferences whenever life changes occur.

Metanoia is a Greek word that means “change of heart” or “change of perspective.” It speaks to our personal faith and the transformation at the heart of our work: helping you transition from feeling stressed about complex financial decisions to experiencing true financial peace and the freedom to enjoy the things that matter most.

Our first meeting is a brief, 20-minute Introductory Fit Call. There is absolutely no selling or pressure. It is simply a two-way conversation for us to understand your goals and for you to understand our Personal CFO service. The sole purpose is to determine if we are a mutual fit. There is no obligation, and you will walk away with absolute clarity on whether partnering with Metanoia Financial is the right next step for your retirement journey.