Frequently Asked Questions

Some clients have unique tax challenges, special family dynamics, or unique motivations. Clients share a desire to have their wealth managed using sound thinking.

We’ll discuss your thoughts and beliefs about what’s most important to you. Once we understand what you want to achieve, or want more of in life, we’ll prioritize your goals and develop an ideal timeline for achieving them.

Together, let’s make your goals, priorities, and values the bedrock of your financial plan.

Learn more about the different ways we help clients here.

We build and maintain your financial plan based on your needs and goals. We then construct your portfolio to align with you needs and goals. We analyze your current holdings and determine where they fit into your plan.

We develop your portfolio by focusing on asset location, managing taxes, keeping costs low, diversifying globally and across asset classes, and rebalancing in alignment with your asset allocation goals.

We believe portfolio diversification can improve portfolio returns and help limit inevitable declines in portfolio value.

We manage your portfolio with “discretionary authority”, which means Haven Wealth Planning, LLC has the authority to decide which securities to purchase, sell, and/or retain for you.

Yes! We are a location-independent firm. We can collaborate on your financial planning goals using technology.

We provide fee-only, financial planning to clients in and around St. Louis, Missouri and virtually throughout the United States. Like a trusted friend, we’re there for you.

Let us also explain why you shouldn’t hire us.

If you’re looking for an investment manager who can “beat the market”, you’ll want to keep exploring your options. Why? Because we focus on what you can control.

We don’t guess at what the markets will do. No one can consistently and accurately know that.

If you are not open to using technology for efficient communication and information sharing, you’ll want to keep exploring your options.

We view this as a long-term partnership – so we want to work alongside folks who are willing to put in the effort to make this relationship work.

Jeff McGovern has worked in the financial services industry for over 14 years.

Jeff has completed the Boston University Financial Planning Certificate Program. He earned his MBA from Washington University in St. Louis. He has also earned a BBA in finance as well as a BA in markets and culture from Southern Methodist University in Dallas, Texas.

You can review Jeff’s background using the SEC’s Investment Adviser Public Disclosure website.

Haven Wealth Planning is a fee-only registered investment advisory firm.

Fee-only means that the only income the firm earns is from what clients pay for services.

Learn more.

We share a Financial Planning & Investment Management Agreement outlining our compensation and services in advance of the engagement.

We deliver the following materials to prospective clients:

• Financial Planning & Investment Management Agreement: This document outlines the terms of the engagement, including the scope of services to be provided, the fees to be charged, and any additional terms and conditions.
• Form ADV Part 2A and 2B: These items detail Haven Wealth Planning, LLC’s services, fees, business practices, and any conflicts of interest.
• Privacy Notice: This document outlines Haven Wealth Planning, LLC’s policy regarding the collection, use, and protection of client information.

We encourage clients to review these materials carefully and ask any questions they may have before engaging our services.

We have built our firm to help people looking for a long-term, professional relationship.

We are fiduciary, fee-only, AUM advisors who specialize in ongoing advisory relationships.

If you need help finding one-time or hourly financial planner, please just let us know. We will do our best to guide you to planners whose services better match what you are looking for.

No. Haven Wealth Planning, LLC is an independent firm and does not offer proprietary products. This ensures that our advice is independent, objective and intended to be in your best interest.

As a client of Haven Wealth Planning, LLC, your assets will be held by a third-party custodian, Charles Schwab. Haven never takes ownership of any of your assets, which remain in a separate account that you own. Your custodian will provide you with independent account statements showing all holdings and activity in your accounts.

Before any changes are made to your existing investments, we first analyze the investment holdings and provide an outline of what advice we recommend should you become a client.