Plancorp, LLC

Plancorp serves individuals (including high‑net‑worth clients), trusts, estates, business entities, charitable organizations, and retirement plans, providing wealth management services that include financial planning, discretionary and non‑discretionary investment management, pension consulting, business‑owner succession planning, tax preparation, and access to a third‑party cash‑management platform. The firm also works with institutional clients and may recommend or retain independent third‑party advisers to manage portions of client portfolios.

Plancorp’s investment approach is grounded in Modern Portfolio Theory and implemented through customized Investment Policy Statements; portfolios are typically diversified across no‑load mutual funds, ETFs, individual equities, fixed income and other instruments, with periodic rebalancing and tax‑loss harvesting when applicable. The firm conducts ongoing monitoring and regular client reviews, offers both discretionary authority and non‑discretionary advice, and permits client‑specific restrictions on investments.

Noteworthy elements disclosed in the brochure include an annually renewed CEFEX certification for fiduciary practices and a minority ownership and commercial relationship with BrightPlan, which involves licensing model portfolios, platform access, and reciprocal referral arrangements. The firm also discloses the use of uncompensated client testimonials in marketing materials and describes these and other referral, custodian, and third‑party relationships and the processes it uses to address potential conflicts of interest.