Helping Educators & Their Families
Plan for Retirement.
See why I partner with a top 300 RIA.
As an independent advisor, we are empowered to serve our clients in-line with our values and our vision. So we’ve partnered with RFG, an innovative turnkey platform engineered specifically to support independent financial advisors like us. RFG handles much of the critical behind-the-scenes support required to run our successful business so that we can spend our time doing what we love — serving you, our clients.
Understand & Plan
The Missouri public education system offers educators and employees some of the best pension plans in the country. But it's imperative for participants to understand the system in order to maximize their benefits. We help educators understand and plan.
Working With ERS
Our services are available on an individual or group basis. We will gladly meet with with PSRS/PEERS members and their families at their convenience. Group workshops for school districts and their employees are also available. Educators and administrators are busy people, so we provide services at the times and places that meet their demanding schedules.
Educators Helping Educators
We've been educators, administrators, and employees in Missouri public schools. We know it's extremely intimidating to make choices today that have such a powerful impact on the future. Not only have we done it ourselves, but we've helped many other Missouri educators make smart choices about their plans and their retirement. And we look forward to helping many more.
We Help PSRS/PEERS members individually and in group workshops.
Once participants have a clear understanding of the system, we advise them on strategies as they plan and prepare for the retirement they deserve.
We provide seamlessly integrated Wealth Management Services
Preparing for retirement is much more complex than simply saving money. You need a comprehensive plan incorporating all aspects of your family’s financial picture. This includes integrating the PSRS/PEERS pension decisions into that plan.
We will seek first to understand your family’s unique situation and work with you to develop a financial program specifically tailored to you. We will continue to monitor and adjust that plan throughout your life as your needs and circumstances change.
Keith Klusmeyer, Ed.D.
Keith started his career as a special education teacher and assistant principal in the Francis Howell School District. He was assistant principal and principal in the Pattonville School district, and then served as an area superintendent in the Mehlville School District. Keith has been providing pension education and wealth management services to Missouri educators and their families since 2006.
He holds a Doctorate in Administration from St. Louis University and is an Investment Advisor Representative with RFG Advisory. He lives in St. Charles with his wife and three children.
Rick Wedell, CIO
Rick Wedell joined RFG Advisory as Partner and Chief Investment Officer (CIO) in 2016. As CIO and leader of RFG's Investment Team, Rick manages multi-asset portfolios and provides strategic insights on asset allocation and portfolio construction. Rick also leads the design and enhancements of RFG's custom-built, institutional-caliber, client-focused investment platform known as "Bluemonte", currently managing over $3 billion of assets under management.
Rick's guiding principle is simple, straightforward analysis coupled with a consistent, rigorous investment process. Recognizing that foundations and family offices often enjoy a significantly higher level of access and sophistication around portfolio management, Rick designed an innovative investment experience focused on bringing that level of service and direct accessibility to financial advisors at RFG Advisory.
Veteran Investor/Market-Tested Leader
Before joining RFG, Rick spent 12 years at Bain Capital Credit, where he rose through the ranks to become Executive Vice President, Head of Fixed Income Consumer Investments, and Assistant Portfolio Manager. Rick played an instrumental role in helping Bain grow to become a global investment powerhouse, serving client assets in excess of $30 billion.
Managing portfolios through the volatile markets of 2001 and 2008, Rick experienced firsthand the importance of portfolio diversification and the trade-offs between risk and portfolio return. He applies those same lessons today to managing client and institutional portfolios at RFG Advisory.
2021 ThinkAdvisory Luminary
Recently named a 2021 LUMINARY by ThinkAdvisor for Thought-Leadership & Education, Rick conducts client events, seminars, and workshops around the country and a bi-weekly series called Market Commentary with Rick Wedell on YouTube. From customized asset allocation recommendations to detailed investment analysis, he also works one-on-one with our Advisors and their clients to construct customized portfolios that help meet their defined goals.
Under Rick's leadership, RFG Advisory was named a Finalist for the InvestmentNews Innovation Awards 2021 and Best Places to Work for Financial Advisors, in addition to other industry accolades from Barron's, Financial Times, Money Management Institute, and WealthManagement.com.
Rick has an MBA from the Stanford Graduate School of Business, where he was awarded the Henry Ford II Scholar. He earned a B.A. in Applied Mathematics & Economics from Harvard University, Magna Cum Laude.
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Financial Planning
This is where your personal game plan starts. We’ll work together to identify your needs, wants, dreams, and concerns too. We’ll analyze items like your financial statements, tax returns, cash flow and budget. From there, we will create a plan of action that we will coach you through.
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Investment Management
Once your financial goals are identified, we’ll build a customized investment portfolio to meet them. Leveraging RFG’s state-of-the art portfolio stress testing and risk assessment tools, we ensure that your questions are answered and your needs are met. We’ll meet regularly to review your progress and adjust for any curve balls life may throw at you.
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Individual Retirement Plans
Traditional, Roth and rollover IRAs offer tax advantages and can serve as primary retirement savings vehicles, or supplement your employer-sponsored retirement plans.
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Coordinated Communication
Similar to how sports teammates need to know what play has been called, all members of your team need to know your plan too. We will work with the applicable members of your team – the CPAs, attorneys, lenders – to make sure we’re working together on your behalf.
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FETCH Financial Life Hub
Access real-time statements and customized reports related to your financial plan. You can also organize and store documents that are important to your financial life, that may include a trust or a durable power of attorney, for example. This tool gives busy clients the peace of mind to know that everything they need is in one centralized location that you can access any time of day or night.
See First Hand Our Client Portal Experience -
Client Education
Knowledge truly is power. We consider the teaching aspect of our job the most important – whether that’s in a private client meeting or a larger educational event. We enjoy discussions about current market observations, investing in your values and general wealth concepts.
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StrongHer Money
Recognizing that men and women think and talk about money differently, we created an educational website designed for women to learn how to live financially fearless.
Visit StrongHer Money -
Insurance Consulting
Many people are confused about how their insurance policies work and are unsure how to find out more, knowing it can be difficult to get objective advice from agents that work on commission. Many policies have not performed as expected leaving the policy owner unsure how to get more information. We bring clients through a process that reveals how their policies work, so that they know how to best manage them going forward.
Ready to Get Started? Contact ERS Today!
Office Address
Educator Retirement Solutions
3 CITY PLACE DRIVE | SUITE 590
CREVE COEUR, MO 63141
Contact Info
314-452-2371
keith@educatorretirementsolutions.com