• Who We Are
  • Services
  • Our Philosophy
  • Our Advantage
  • Resources
  • Contact
  • Who We Are
  • Services
  • Our Philosophy
  • Our Advantage
  • Resources
  • Contact
  • Who We Are
  • Services
  • Our Philosophy
  • Our Advantage
  • Resources
  • Contact

Cadeau (kado): a present or gift

Cadeau (kado): a present or gift

At Cadeau our purpose is simple: we want to empower our clients to live a life of value. It’s the driving force behind everything we do.

We’ve seen how a lack of financial education hurt our own families in their retirement, and we want to help people facing that same situation in the same way we helped them.

We’re not interested in simply creating the feeling of value or security that comes from the mere accumulation of money; instead, we want to align your finances to the beliefs and goals you hold closest.

Vince Klein

Vince Klein

Financial Advisor

WHY I DO WHAT I DO

When my father approached me seeking help in setting up a long-term care plan, at first I felt a sense of relief. My parents had a difficult retirement up to that point, owing mainly to their lack of financial education, and I saw this as a way to help them course-correct, to try and fix what had gone wrong. But reality is never so optimistic. Due to his cerebral palsy, my father didn’t qualify for either a long-term care plan or insurance—so I purchased a life insurance policy for my mother instead, hoping that, if something happened to her, at least my father would still be taken care of. Unfortunately, my father passed away a short time later, followed by my mother six months after that. The first life insurance claim I ever had to file was for my own mother, and that’s something that never gets easier to say. No one else should have to go through what my family did, and that’s the driving force behind my work—to ensure that they don’t.

WHY I'M QUALIFIED TO DO IT

I am a financial professional with Cadeau and a financial educator in the local Saint Louis market who helps individuals with tax-advantaged retirement planning strategies. I have been involved in working closely with individuals over the last decade on their financial planning.

While I joined the team in 2013, I have long focused on insurance for businesses since 2004. I have worked with multiple business owners throughout the years with employee benefits and business succession planning. Additionally, I have counseled many families regarding the accumulation, protection and preservation of their intellectual and financial capital.

In addition, ever since I graduated college, I have had a keen interest in building businesses—and helping others do the same. Since 2004, I have started a health insurance brokerage business, managed an apartment complex, started a diesel fuel discount program for long-haul truckers, and successfully started an online retail business with a close friend through Kickstarter. While I transitioned out of these businesses in 2013 in order to place my full focus on Cadeau, I still consider my former business associates among my best friends (and clients) to this day.

I hold securities licenses 7 and 66 and received my Bachelor of Arts in Business Administration in Marketing from Saint Louis University in 2004.

A LITTLE MORE ABOUT ME

My wife, Carrie, and I live in St. Louis with our two children. I enjoy coaching my children’s sports teams, as well as reading and playing guitar. I am currently the Deputy Grand Knight for the Knights of Columbus at Christ Prince of Peace Catholic Church, and am also a volunteer Den Leader for my children’s Boy Scouts troop. I previously served as a board member of the non-profit group, Memory Care Home Solution, which helps caregivers of families with Alzheimer’s, dementia and memory-loss.

Robert Mark

Robert Mark

Insurance Consultant

WHY I DO WHAT I DO

A number of years ago, I completed a Strategic Coach assignment to determine my “Unique Ability.”  A “Unique Ability”, by definition, is the essence of defining what one loves to do and does best. Although everyone has one, it can be difficult to determine one’s own unique ability through introspection alone. So, to find out what mine was, I sent out letters to twenty of my closest clients that asked them why they initially chose to do business with me—and what caused them to stay. Every single one of them responded, each with incredibly varied feedback (responses I keep with me to this day). Yet, despite their surface differences, each of my client’s responses shared a core sentiment: they came from a place of trust. From that, I was able to determine my Unique Ability—the ability “to consult with others to discover solutions as a trusted partner for future success.” That ability provides the driving force behind my profession; it’s the reason why I chose to work with Cadeau after my previous occupation mandated a retirement at 65. The knowledge that people put their trust in me to help shape their future is incredibly humbling, and every day I work my hardest to ensure their trust was well-placed. 

WHY I'M QUALIFIED TO DO IT

Before working with Cadeau, I dedicated 25 years of my career to helping corporate clients protect their balance sheets and income statements. Many challenging situations were addressed, and we successfully developed professional relationships with hundreds of clients who became trusted friends. I loved the challenge of helpings clients prosper by utilizing strategic risk transfer tactics.

Today, I have the opportunity to support many of these same clients as they seek to protect and grow their personal assets and plan for ownership transition or personal retirement; for some clients we have actually done both. I enjoy focusing on the unique needs of retirees, transitioning boomers, and planful clients of all ages and stages. While Cadeau utilizes time-tested strategies, we also creatively apply tools to help our clients plan utilization of their accumulated assets for their retirement years. I am grateful to work with many bright, resourceful people discovering solutions for their future success. “Fiduciary” is not just a word—it’s my responsibility.

A LITTLE MORE ABOUT ME

Forty-nine years of marriage to my wonderful wife gave us four amazing daughters, followed by four gifted sons-in-law and twelve precious grandchildren; I could stay busy just keeping pace with my immediate family.  I love to read, play golf, work-out, and invest in my grandchildren.  Ministry opportunities through our church allows me to bless others because I have been greatly blessed.

Rick

Rick Ackerman

Financial Advisor

WHY I DO WHAT I DO

I’ve always been a math and science person. 9 years ago, my fascination with investing steered me into the financial industry after working in the medical device industry for 11 years. I sold retirement solutions, working with financial advisors to assist clients in setting them up for their retirement. Having done business with and grown a friendship with Vince Klein for 8 years, the opportunity to join Cadeau presented itself. It was an easy decision because of the “family” like atmosphere in the firm. Cadeau works as a team and executes each plan together to make sure our clients are in the best position for the rest of their life. My job allows me to piece together our client’s financial puzzle to give them the confidence and security they need to live their lives comfortably. For that to be my form of making a living, “Life is Great!”

WHY I'M QUALIFIED TO DO IT

Coming Soon

A LITTLE MORE ABOUT ME

I love life with my wife, son, and two daughters. We stay active in many activities from music to golf to camping. I coach multiple teams: soccer, baseball, and basketball. We live in Chesterfield, MO and enjoy road trips all around the country.

It's time to start creating value that lasts.

Reach out today and let us help you move from success to significance.

Let's Talk

It's time to start creating value that lasts.

Reach out today and let us help you move from success to significance.
Let's Talk

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Investment Advisory services offered through Saxony Capital Management, LLC, an SEC Registered Investment Advisor. Securities offered through Saxony Securities, Inc., Member FINRA/SIPC.

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