Michael Piper, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Michael Piper, LLC is a solo-registered investment adviser that provides comprehensive financial planning to individuals, high-net-worth individuals, and small businesses. Its planning services include retirement projections and distribution planning, Roth conversion and Social Security analysis, estate-plan review, charitable planning, and the development of an investment policy statement; the firm does not act as custodian for client assets.
The firm’s investment approach emphasizes passive investing and strategic asset allocation, typically recommending low-cost index mutual funds and ETFs, broad diversification, and tax-efficiency informed by sources such as Morningstar and fund prospectuses. Clients retain implementation discretion: the firm does not provide portfolio management or discretionary trading and expects clients to execute transactions through custodians of their choice.
Distinctive features relative to many peers include that the firm’s principal is a Certified Public Accountant with a Personal Financial Specialist credential and explicitly integrates tax planning within advisory work, and the adviser does not use percentage-of-AUM fees but instead provides fixed or hourly planning arrangements with annual fee adjustments tied to Social Security COLA. The brochure also discloses a small client roster and a concurrent publishing business the principal reports may consume substantial monthly time, underscoring a fee-for-service planning model rather than an asset-management orientation.
Client services
Expertise
Fee options
$400 per hour, billed in ten-minute increments, rounded down
Ongoing financial planning renewal fee of $615 per month, billed in arrears
Minimum fee: Initial fee of $7,000 for ongoing financial planning (covers first three months), then $615 per month thereafter Fee-only: Ongoing financial planning: $7,000 initial fee plus $615/month; Hourly financial planning: $400/hour
Main office
Saint Louis MO
Advisors at this office
1
Most active in
Missouri
Disclosures
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Business activities & affiliations
Is active or affiliated with:
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Insurance agent
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Broker-dealer / trader
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Bank
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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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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
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