Clayton, MO S Central Ave Office

Virtual Investment Planning LLC provides wealth management, discretionary portfolio management, financial planning, and retirement account advice to individuals, high-net-worth clients, and businesses. The firm manages roughly $23.7 million for about 102 clients and implements portfolios using low-cost, diversified mutual funds and ETFs as well as individual stocks and bonds, with insurance consulting offered as part of its comprehensive services.

The firm’s investment process is primarily long-term focused and combines fundamental and technical analysis to construct and monitor client portfolios, while also permitting tactical changes or shorter-term trades when appropriate. VIP may use unaffiliated independent managers for portions of client assets, accepts client-imposed investment restrictions, and serves as a fiduciary for ERISA and IRA retirement accounts.

What is distinctive about the firm is that its principal maintains affiliated tax and accounting firms and an affiliated insurance agency, and recently added insurance consulting to its service suite, so clients may receive coordinated investment, tax, and insurance advice within the same advisory relationship. Those affiliations mean implementation of tax, accounting, or insurance services is separate and may generate additional compensation (including insurance commissions), a potential conflict of interest the firm discloses and that clients are not required to accept.