B & B Financial Planning Co., Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
B & B Financial Planning Co., Inc. provides personal financial planning and investment management to individuals, families, trusts, estates and related entities through written financial plans, consultations and project engagements. Client relationships are generally ongoing and services are delivered under fee‑based AUM arrangements, hourly engagements, or fixed fees.
The firm builds tailored portfolios using strategic asset allocation, combining passively managed index and ETF exposure with selectively chosen active funds, dividend‑paying stocks and individual municipal bonds, and it does not rely on off‑the‑shelf model portfolios. When appropriate, B & B uses derivatives in separately managed accounts — buying and selling call and put options as hedges or for income — and typically manages client accounts on a discretionary basis with periodic review and rebalancing.
B & B’s advisors are also registered representatives of an affiliated broker‑dealer and hold insurance licenses, and the brochure discloses that they may earn commissions and other compensation for brokerage and insurance transactions and may spend a material portion of their time in those capacities, a relationship the firm says it discloses to clients. The firm also notes affiliations with custodians that provide research and soft‑dollar benefits and that it does not vote client proxies (clients receive proxy materials directly), features that distinguish its operating model from many advisory‑only peers.
Client services
Expertise
Occupation focus
Fee options
Financial plan fees charged at $300 per hour.
$50,000 - $150,000: 1.5% $150,000 - $500,000: 1.0% $500,000 - $1,000,000: 0.75% $1,000,000+: 0.5%
Investment advisor representatives also earn commissions as registered representatives and insurance agents.
$300 per hour for consultations, special projects, and certain financial planning services.
Fee-only: Fee based on assets under management; hourly fees at $300/hour; fixed fees for special projects and financial plans.
Main office
311 E. Elm
O'Fallon MO 63366
Advisors at this office
3
Most active in
Illinois · Missouri
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is 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.
Is not active or affiliated with:
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Advisors at this firm
Walter O
CFP®, Series 63
O'Fallon, MO
B & B Financial Planning Co., Inc.
Walter Obremski is a CFP®-designated financial advisor with 54 years of industry experience. He is currently associated with B & B Financial Planning Co., Inc. and has prior work experience spanning 35 years at Cutter & Company, Inc., followed by a position at Prospera Financial Services, Inc. Obremski is involved in investment clubs where he participates as a part-owner and broker on accounts. B & B Financial Planning Co., Inc. offers personal financial planning and investment management services to individuals, families, trusts, estates, and related entities. The firm creates customized portfolios through strategic asset allocation, combining passive index and ETF investments with selected active funds, dividend-paying stocks, and municipal bonds, and manages accounts typically on a discretionary basis with periodic reviews.
Theodore E
CFP®, Series 66
O'Fallon, MO
B & B Financial Planning Co., Inc.
Theodore Esser is a CFP® and holds a Series 66 license with 12 years of industry experience. He is currently affiliated with B & B Financial Planning Co., Inc. and Cutter & Company Brokerage, having worked previously at Edward Jones. B & B Financial Planning Co., Inc. provides financial planning and discretionary investment management to individuals, families, trusts, estates, and family businesses, managing approximately $102 million for around 117 households. The firm serves both high-net-worth and non-HNW clients, using a strategic asset-allocation approach with a mix of passive ETFs, actively managed funds, dividend-paying stocks, and municipal bonds, including the use of derivatives in separately managed accounts for risk management.
Jason H
Series 63, Series 65
O'Fallon, MO
B & B Financial Planning Co., Inc.
Jason Haldiman is a financial advisor at B & B Financial Planning Co., Inc. with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cutter & Company, Inc. since 1995. Outside of his core advisory role, he is involved in Medicare insurance sales and serves as an independent contractor assisting non-profit school district employees with retirement healthcare trusts. B & B Financial Planning Co., Inc. provides personal financial planning and investment management to individuals, families, trusts, and estates through written plans, consultations, and ongoing engagements. The firm constructs tailored portfolios using a strategic mix of passive and active investments and manages accounts typically on a discretionary basis with periodic review and rebalancing.
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