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About Cutter & Company, Inc. |
Providing Resources That Offer Investors the Freedom of Financial Security
Located in Ballwin, Missouri, just 15 miles west of St. Louis, Cutter & Company provides professional investment management, and complete financial planning, as well as life and health insurance products. Our goal is to help individuals prepare for current financial and insurance needs and help develop strategies to meet future goals. We strive to provide assistance to small and large businesses in the areas of employee benefits; including group life and health insurance, 401(k) and other qualified plan analysis, deferred compensation programs and other sophisticated executive benefits.
Cutter & Company is locally owned and privately held. The company has been serving the needs of individuals and corporations since 1988. Management has over 70 years combined experience. Our experienced staff and investment representatives have significant industry background, with significant industry experience in the financial industry. Cutter & Company representatives focus primarily on serving the needs of individuals and businesses in Missouri, but is registered to do investment business in over 45 states. |
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General Information |
| Years of Experience in Financial Services: |
39
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| States Licensed in: |
MO and many more
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| Number of Years with Current Firm: |
35
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| Insurance License#: |
0283788
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| Work with the following types of clients: |
Businesses, Individual Investors, Non-Profit Organizations
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| States Willing to do Business in: |
Arnold,Augusta,Barnhart,Bridgeton,Catawissa,Cedar Hill,Chesterfield,Clayton,Columbia,Defiance,Dittmer,Dupo,East Carondelet,East Saint Louis,Eureka,Fenton,Florissant,Foristell,Glencoe,Golden Eagle,Gray Summit,Grover,Grubville,Hazelwood,Herculaneum,High Ridge,Hillsboro,House Springs,Imperial,Labadie,Lake Saint Louis,Lovejoy,Madison,Maryland Heights,O Fallon,Pacific,Pevely,Portage Des Sioux,Robertsville,Saint Ann,Saint Charles,Saint Louis,Saint Peters,Valley Park,Venice,Villa Ridge,Wentzville,Many clients in other states too
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| Advisory Services Provided: |
Financial Planning for Businesses, Money Management, Wealth Management, 401K Rollovers, Retirement Planning, Portfolio Management, Financial Planning, Insurance Products & Annuities, Investment Advice & Management, Financial Advice & Consulting
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Services |
| Investment Types: |
Mutual Funds, Options & Futures, Bonds, Stocks, Annuities, Insurance, Exchange Traded Funds (ETFs), Alternative Investments, Socially Responsible Investments (SRI)
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| Can meet clients in the following ways: |
Your Office, Our Office, Video Conference
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Qualifications & Memberships |
| Certifications, Accreditations & Designations: |
CLU®, AIF®, ChFC®
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| Securities Licenses: |
Series 4, Series 6, Series 7, Series 24, Series 31, Series 53, Series 63, Series 27, Series 86, Series 87
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| Insurance and Annuity Licenses: |
Variable Life, Long Term Care, Variable Annuity, Life, Health, Annuity, Disability
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| Financial Organization Memberships: |
Financial Planning Association (FPA), National Association of Insurance and Financial Advisors (NAIFA), Estate Planning Council of St Louis
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Firm Information |
| Assets Managed by Advisor: |
$80 million+
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| Advisor's Number of Clients: |
95
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| Advisor's Number of Managed Clients: |
95
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Compliance |
| Criminal Disclosures in Last 5 years: |
I have a clean record
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| Compliance Disclosures in Last 5 years: |
I have a clean record
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| Registered Investment Advisor: |
Yes
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| Registered Representative: |
Yes
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| Investment Advisor Representative: |
Yes
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| Acknowledged fiduciary: |
Yes
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Compensation and Fees |
| Fee % Based on Assets: |
1-1.50%
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| Compensation Methods: |
Based on Assets
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| Minimum Portfolio Size for New Managed Accounts: |
$250,000
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Frequently Asked Questions |
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Do you have a customer satisfaction or refund policy? |
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fees are paid quarterly, in advance. Any unused portion of that fee would be returned to the client should they terminate their account. |
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| Q. |
What are your qualifications? What is your education background? |
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Personalized to meet the client's needs. |
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| Q. |
How are you compensated? How will I pay for your services? |
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For my Investment clients, I am primarily fee-based, though Insurance products are commission-based, as is required by state law. |
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| Q. |
If you are going to manage my account, will you obtain my permission every time you buy or sell something? |
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I will be the main contact. I have additional staff members who can assist you. |
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| Q. |
How many clients do you currently manage? |
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Will you be the only person working with me? |
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If I manage your account on discretion, no. |
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| Q. |
Do you offer any guaranteed results? |
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Not personally, but certain annuities and Government Bonds are guaranteed. |
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| Q. |
How much risk should I be willing to take? |
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That depends on the clients goals, risk tolerance, Investment objectives, and time horizon. |
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| Q. |
Have you ever been charged with any breaches? |
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What is your approach to financial planning? |
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Primarily Fee based, though Insurance products are commissioned based, as is required by state law. |
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| Q. |
What services do you offer? |
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A customized money management approach to your needs, and 33+years of experience. |
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| Q. |
What carrier(s) do you represent? |
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Are there any pre-existing conditions that you can not cover? |
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How long does it take to complete the application and approval process? |
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As little as two (2) weeks and as long as 90 days depending on the carrier |
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| Q. |
Is there a maximum age that you can insure? |
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It will depend on the carrier, but generally 85 years of age. |
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| Q. |
Why should I choose you as my financial advisor? |
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BA in Business Administration from Maryville College, with the following designations: AIF, CLU, ChFC, Series 7, 24, 27, 86, 87, 4, 31, 53, & 63 |
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| Q. |
How do you charge for your services? |
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Financial Planning , Estate Planning and Money Management with a full range of insurance products |
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What services do you provide? What are your specialties? |
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Financial Planning , Estate Planning and Money Management |
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What is your experience? How many clients do you currently manage? |
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33+ years of experience, and approximately 90 managed clientele. |
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| Q. |
What financial institution(s) do you represent? |
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Cutter & Company, which includes Trust companies, Mutual Funds, Separate Account Mgrs., Insurance Companies. |
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What are your management fees? |
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Generally 25 basis Points up to 10 million |
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What kind of plans do you specialize in? |
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401K, Profit Sharing, Defined Benefit Pension Plans, Non Qualified Deferred Compensation |
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Do you have a minimum requirement for number of employees or total investment value? |
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What type of plans do you offer? |
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401K, Profit Sharing, Defined Benefit Pension Plans, Non Qualified Deferred Compensation Plans |
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Do you offer any additional services? |
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What are your qualifications? |
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What is your approach to 401 K plan rollovers? |
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That would depend on the client's needs and goals |
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How long does the process of rolling over a 401K plan usually take? |
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It varies with the plan, but typically less than 30 days |
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What financial institutions do you represent? |
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Cutter and Company and its many affiliates |
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| Q. |
How many years of experience do you have? |
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What are your fees for this service? |
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For the most part, 1 1/2 percent up to 1 Million. 1 percent over 1 Million |
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How many 401K rollover clients do you currently manage? |
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Why should I roll over my 401K plan to your firm? |
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Because of my many years of experience in helping companies with their 401k plans, & I act as a 321(Full) Fiduciary by contract, which most firms cannot or will not do. |
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