Fiduciary Financial Advisor Serving St. Joseph, MO and Northwest Missouri
Unbiased investment advice and management from a fee-only fiduciary.
Serving St. Joseph — Where Local Employers Create Real Retirement Planning Complexity
St. Joseph has a distinct local economy — major employers like Triumph Foods, Boehringer Ingelheim, Mosaic Life Care, and Herzog Contracting mean that many households here have retirement plans tied to a single large employer's 401(k), pension, or health benefits structure. That's a different planning conversation than a household with scattered, diversified income sources. I work with St. Joseph-area clients by phone and secure video call — no drive to Overland Park required — bringing the same fiduciary standard and fee transparency I'd offer any client. Call (913) 274-9020 and you'll talk directly with me, not a call center.
-
Evaluate whether your 401(k) or pension is too concentrated with one large local employer
-
Coordinate healthcare and retirement benefits if you work in the Mosaic Life Care system or a similar large employer
-
Build a retirement income plan that reflects Northwest Missouri costs, not a national average
Why Your Employer Matters More Than You Think
When One Employer Drives Your Whole Retirement Plan
In a city like St. Joseph, it's common for a single large employer to shape most of a household's retirement picture — the 401(k) match, the pension structure, sometimes even employer stock. That's not a bad thing on its own, but it does mean a retirement plan built around "the market in general" misses the specific risks and opportunities tied to your actual situation. I don't assume every St. Joseph client's plan looks the same — but if a large share of your retirement security is tied to one company, that's exactly the kind of concentration I build a plan around addressing.
Wondering how concentrated your own retirement accounts really are? Call (913) 274-9020 — a short conversation costs nothing, and there's no pressure to sign up for anything.
Why trust us?
At Three Streams Financial, we are dedicated to providing personalized and comprehensive financial and retirement services. Our committed team ensures that you receive financial solutions tailored to meet your unique needs. Whether you need advice or are seeking full-service asset management, we are here to help.
What We Do
Our expertise includes:
Founder | Portfolio Manager
Daniel Gould
I am an independent investment adviser representative (IAR) based in Overland Park, KS. My financial services are available to individuals, families, professionals, and small business owners across the nation. With over 25 years of experience in the financial markets, I offer successful trading and portfolio management strategies developed in institutional settings.
Frequently Asked Questions
A: Yes. I am registered as an Investment Advisor Representative (IAR) under the Investment Advisors Act Of 1940. Under this federal requirement, if you’re acting in an investment adviser representative (IAR) capacity, you’re a fiduciary. As a fiduciary, I am legally obligated to put my client's interests ahead of mine and act in my client's best interests at all times. This means that I must provide advice that is suitable for my client's needs and risk tolerance and must disclose any potential conflicts of interest.
A: You can search for registrations at the SEC’s Investment Adviser Public Disclosure Website: https://adviserinfo.sec.gov/ (My CRD#: 2131294)
A: It can be, depending on how concentrated it is relative to your total savings. Even a strong, stable employer represents more concentrated risk than a diversified portfolio. This is one of the first things I look at with St. Joseph-area clients before building a broader plan.
A: Yes. I’ve chosen Charles Schwab to be the custodian for all my clients. The first thing to remember is your securities—like stocks, bonds, mutual funds, exchange-traded funds, or money market funds—held at Schwab are yours. The SEC's Customer Protection Rule safeguards customer assets at brokerage firms by preventing firms from using customer assets to finance their own proprietary businesses. I can also rest easy at night knowing that Schwab holds itself to the highest security standards when it comes to safeguarding my client’s assets. You can learn more about how your assets are protected by Charles Schwab at https://www.schwab.com/legal/account-protection.
A: Yes — I work with clients throughout the St. Joseph area regularly, by phone and video call. Distance from my Overland Park office isn't a barrier; most client meetings happen virtually regardless of location.
First, RIAs are legally obligated to act in your best interest. They also tend to provide more personalized services. Since they aren't paid on commission, they don't have an incentive simply to deal with only when selling something. RIAs typically have transparent fee structures, often charging a percentage of assets under management or a flat fee, which aligns their interests with yours.
Many investors are unaware of, or confused about, the various fees they may pay when investing. Not my clients! We believe in Fiduciary transparency. Our fee schedule is 0.50% to 0.95% of assets under management annually. We can also negotiate a flat fee for outside investment advice. Our minimum account size is $500,000 of investable assets. However, our services are also available to active accumulators under 45 with a minimum of only $300,000.
Ready to Talk? It Starts With a Phone Call.
No forms, no obligation. Call (913) 274-9020 and ask whatever's on your mind — a specific question about your accounts, or just wanting to understand what working together would look like.
