Legal Disclosure

Meramec Financial Planners, LLC (hereinafter “MFP”) is a Limited Liability Company organized in the State of Missouri.

The firm was formed in 2025, and the founding partners are Julie Bahr, Chris Michalak, and Kelly Richert.

Types of Advisory Services


Portfolio Management Services

MFP offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. MFP creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels). Portfolio management services include, but are not limited to, the following:


  • Investment Strategy
  • Personal Investment Policy
  • Asset Allocation
  • Asset Selection
  • Risk Tolerance
  • Regular Portfolio Monitoring


MFP evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client.


MFP seeks to provide that investment decisions are made in accordance with the fiduciary duties owed to its accounts and without consideration of MFP’s economic, investment or other financial interests. To meet its fiduciary obligations, MFP attempts to avoid, among other things, investment or trading practices that systematically advantage or disadvantage certain client portfolios, and accordingly, MFP’s policy is to seek fair and equitable allocation of investment opportunities/transactions among its clients to avoid favoring one client over another over time. It is MFP’s policy to allocate investment opportunities and transactions it identifies as being appropriate and prudent among its clients on a fair and equitable basis over time.


Services Limited to Specific Types of Investments

MFP generally limits its investment advice to mutual funds, fixed income securities, insurance products including annuities, equities and ETFs. MFP may use other securities as well to help diversify a portfolio when applicable.


Client Tailored Services & Client Imposed Restrictions 

MFP generally limits its investment advice to mutual funds, fixed income securities, insurance products including annuities, equities and ETFs. MFP may use other securities as well to help diversify a portfolio when applicable.