Business Details
16 Years
experience
Your Trusted Financial Partner for Investment and Retirement Planning
Metanoia Financial was founded in 2010 with a mission to prioritize clients over corporate interests. As fiduciary financial advisors, we act as Personal CFOs, delivering customized investment stewardship, retirement income planning, and proactive tax strategies. Our team combines over 15 years of collective experience with industry-recognized certifications, including CFA, CFP, and RMA designations. We specialize in evidence-based passive management, aligning portfolios with clients' long-term life goals while minimizing tax liabilities.Our virtual-first model serves clients nationwide, offering personalized guidance through every financial decision. With a focus on intergenerational wealth planning, we help families create sustainable financial legacies. Our fee-only structure ensures transparency, and our client-centric approach has earned us long-term partnerships with executives, business owners, and retirees across the United States.
Services
Investment Stewardship
Retirement Income Planning
Proactive Tax Strategy
Estate Planning
Insurance Planning
Wealth Protection
Social Security Optimization
Debt Management
Legacy Planning
Business Exit Planning
Details
- Year established: 2010
Highlights and features
- We operate as fiduciaries with a fee-only structure ensuring unbiased advice
- Our team holds industry-leading certifications including CFA and CFP designations
- We offer nationwide virtual financial planning services
- We implement evidence-based passive investment management strategies
- We provide comprehensive financial life planning covering 12 key wealth management areas
Associations and certifications
- CFA Institute
- Certified Financial Planner Board of Standards
- Retirement Management Advisor
- Kingdom Advisors
What people say
Expertise and dedication
Peace of mind
Trust and confidence
Genuine care
Tremendous financial steward
Services
Investment Stewardship
Our evidence-based investment approach creates customized portfolios aligned with your financial goals. We implement passive management strategies that outperform market averages while minimizing fees and tax implications. Our ongoing stewardship ensures your investments support your comprehensive financial life plan.
Retirement Income Planning
We develop sustainable income solutions that convert your savings into a tax-efficient retirement paycheck. Our planning covers lifestyle requirements, healthcare costs, and legacy goals while adapting to changing life circumstances throughout your retirement years.
Proactive Tax Strategy
Our forward-looking tax strategies minimize liabilities across investments, retirement accounts, and estate planning. We coordinate with CPAs to implement year-round tax-efficient strategies that maximize your financial resources while maintaining compliance with evolving tax regulations.
People
Bobby Cremins
Founder, President
CFA charterholder and Certified Financial Planner with 15+ years of experience. Specializes in retirement income planning and evidence-based investment strategies. Holds RMA and CKA certifications. Prioritizes client-first financial stewardship.
Abby Cubbison
Associate Financial Planner
MSFP graduate and Accredited Financial Counselor with behavioral finance expertise. Focuses on client education and financial behavior coaching. Combines technical knowledge with personalized financial planning for long-term success.
Cherice Tyler
Client Service Associate
Operations Manager with 8 years of client service experience. Coordinates financial planning implementation and client communications. Ensures seamless delivery of advisory services across all client relationships.
Questions
What is investment stewardship and how does it help me build wealth?
Our fiduciary investment stewardship creates evidence-based portfolios aligned with your goals. We focus on long-term growth through strategic asset allocation rather than market timing.
How does retirement income planning work?
We convert your savings into sustainable income streams while optimizing tax efficiency. Our ongoing management adapts to changing needs throughout your retirement years.
What makes Metanoia Financial different from other advisors?
We operate as fiduciaries with a fee-only structure, prioritizing client interests over product sales. Our Personal CFO approach coordinates all aspects of your financial life.
Can you help minimize taxes in retirement?
Yes, we implement proactive tax strategies that forecast liabilities and optimize withdrawals from retirement accounts to reduce overall tax burden.
Do you serve clients outside Saint Louis?
We serve clients nationwide through virtual meetings using Zoom and other digital tools, maintaining the same high service standards regardless of location.
