Clayton Financial Group, LLC

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Client assets under management

$780,214,105

Clients

243

69% high-net worth

Advisors

of 7 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

High

Average account size

$3,210,758

About

Clayton Financial Group provides asset management and ongoing financial planning and consulting to individuals (including high‑net‑worth clients), trusts, estates, small businesses, and charities. Services include both discretionary portfolio management and non‑discretionary relationships in which the firm proposes trades but obtains prior client approval before execution.

The firm’s investment process draws on fundamental and technical analysis and modern portfolio theory to set asset allocation, monitor holdings, rebalance, and pursue tax‑loss harvesting opportunities. Clayton Financial Group’s disclosures also describe the use of derivatives and other strategies (including options, margin, short sales, and leverage) as part of separately managed accounts when appropriate to client objectives.

Noteworthy aspects of the firm include its mix of $321,604,611 in discretionary assets and $472,153,468 in non‑discretionary assets as reported in the brochure, making non‑discretionary assets the larger portion of its managed assets—an uncommon structure among comparable team advisers; the firm also supervises roughly $794 million in total AUM with three advisory professionals, resulting in a higher‑than‑typical AUM per advisor. Operational features documented in the brochure include fee deduction by custodians, use of standing letters of authorization for certain transfers, and planning services that explicitly cover executive benefits and estate planning.

Client services

Financial planning Portfolio management Pension consulting

Expertise

Equity Recipients (RS/RSU, SOP, ESPP) Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Business exit / sale strategy

Occupation focus

Founder/Business Owner Executive

Fee options

Percentage

$0 - $2,000,000: 1.00% $2,000,001 - $5,000,000: 0.75% $5,000,001 - $10,000,000: 0.50% $10,000,001 - $20,000,000: 0.40% $20,000,001 - $30,000,000: 0.35% $30,000,001 - $50,000,000: 0.30% $50,000,001 - $75,000,000: 0.25% Over $75,000,000+: Negotiable

Other

Fee-only: Fixed fee for financial planning and consulting up to $200,000 annually, charged quarterly in advance, fee amount based on complexity and estimated prior to engagement

Main office location

Clayton Financial Group, LLC

165 North Meramec Suite 130

St. Louis MO 63105, United States

Number of offices

Most active in

California · Florida · Illinois · Kansas · Louisiana · Massachusetts · Minnesota · Missouri · Nebraska · New Hampshire · New York · North Carolina · Tennessee · Texas · Virginia

Disclosures

Business activities & affiliations

Is not active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

LinkedIn Facebook Website (314) 446-3250

Advisors at this firm

Kenneth B

CFP®, Series 66

St. Louis, MO

Clayton Financial Group, LLC

Kenneth Bower is a CFP® professional with 21 years of industry experience, currently serving as an advisor at Clayton Financial Group, LLC since 2015. He holds the Series 66 designation and is based in St. Louis, MO. Outside of his advisory role, he serves as a banking board member for Southern Bank. Clayton Financial Group provides asset management, financial planning, and consulting services to individuals, high-net-worth clients, small businesses, trusts, estates, and charitable organizations. The firm manages a significant asset base across its team and employs investment strategies that include fundamental and technical analysis, modern portfolio theory, and advanced techniques such as options and margin.

Equity Recipients (RS/RSU, SOP, ESPP) Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Business exit / sale strategy Founder/Business Owner Executive

Matthew B

CFP®

St. Louis, MO

Clayton Financial Group, LLC

Matthew Bower is a CFP® professional with 16 years of industry experience, currently serving as an advisor at Clayton Financial Group, LLC since 2015. He is based in St. Louis, MO and is part of an eight-advisor team. Clayton Financial Group serves individuals, high-net-worth clients, small businesses, trusts, estates, and charitable organizations by providing asset management alongside financial planning and consulting. The firm employs fundamental and technical analysis, modern portfolio theory, and offers both discretionary and non-discretionary portfolio management, with specialized services including executive benefits and equity-compensation planning.

Equity Recipients (RS/RSU, SOP, ESPP) Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Business exit / sale strategy Founder/Business Owner Executive

Zachary K

CFP®

St. Louis, MO

Clayton Financial Group, LLC

Zachary Kratofil is a CFP® professional with nine years of industry experience. He has worked at Clayton Financial Group, LLC since 2019 and previously held roles at Moneta Group Investment Advisors, LLC from 2013 to 2019. Clayton Financial Group serves individuals, high-net-worth clients, small businesses, trusts, estates, and charitable organizations by providing ongoing asset management alongside financial planning and consulting. The firm applies fundamental and technical analysis and modern portfolio theory in its investment process and offers services including executive benefits and equity-compensation planning.

Equity Recipients (RS/RSU, SOP, ESPP) Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Business exit / sale strategy Founder/Business Owner Executive

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