Wealth Management
Ongoing investment oversight aligned to your documented objectives and risk tolerance.
More detailWealth Management
Portfolio construction, rebalancing, and tax-aware management, reviewed with you on a set schedule.
Learn moreSEC Registered Investment Advisor · St. Louis · Since 1999
Wealth management for college, retirement, and legacy.
Since 1999, we have helped St. Louis individuals and families turn uncertainty about the goals that matter into a documented plan for the life they want.
Est. 1999
SEC Registered Advisor
Fiduciary
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What we do
Six disciplines, one coordinated plan.
Every engagement is built around the goals you name and measured against them over time. Each discipline below works as part of a single strategy, not in isolation.
Financial Planning
An evidence-based plan that measures progress against the goals you have set.
More detailFinancial Planning
Cash flow, savings targets, and milestones, modeled and revisited as your circumstances change.
Learn moreInvestment Management
Portfolios constructed and reviewed with discipline, adjusted as conditions change.
More detailInvestment Management
Allocation set to your plan, with disciplined rebalancing and clear, documented reasoning.
Learn moreRetirement Planning
A plan for income that lasts, stress-tested against the retirement you have in mind.
More detailRetirement Planning
Withdrawal sequencing, Social Security timing, and income modeling for a long retirement.
Learn moreCollege Planning
Funding strategies that make a child’s education a goal you can measure, not a worry.
More detailCollege Planning
529 and education funding strategies sized to the schools and timelines you have in mind.
Learn moreLegacy Planning
A structured transfer of what you have built, on the terms you intend to set.
More detailLegacy Planning
Beneficiary, trust, and transfer coordination so your estate moves on the terms you intend.
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Why it matters
Money is the means.
The life it makes possible
is the point.
Every Detalus plan starts with the life you are working toward, the retirement, the family, the legacy, then works back to the strategy that funds it and stands behind it.
Your Financial Journey
Building it, protecting it, passing it on.
We plan for the whole arc of your life, not a single moment. The journey unfolds across three chapters, and Detalus stays with you through all of them.
Why Detalus
Confidence built on a documented process.
Detalus does not sell certainty. The firm builds it, one reviewed decision at a time, with the credentials and tenure to stand behind the work.
- 01
Fiduciary, by registration
An SEC Registered Investment Advisor since 2002. Your interests come first, in writing.
- 02
Twenty-five years of practice
Founded in 1999. A track record that predates the firms launched in every bull market since.
- 03
Credentialed advisors
Chartered Retirement Planning Counselor (CRPC®) expertise applied to every plan.
- 04
Rooted in St. Louis
The team serves on the boards of the YMCA of Greater St. Louis, Marian Middle School, and more.
How we work
A documented process, reviewed on a schedule.
Good planning is not a one-time event. Detalus runs a clear sequence and returns to it as your life and the markets change.
Step 01
Discovery
We document where you are: your resources, your timeline, and the goals you want to reach.
Step 02
The plan
We build the strategy, set the benchmarks, and put the fee structure and scope in writing.
Step 03
Review
We measure progress against the benchmarks and adjust the allocation as conditions change.
The firm
Founded in 1999 by Steve Rull and Joseph Garea.
Two managing directors who built the firm on a simple standard: do the work, document it, and stand behind the outcome. Detalus was founded as Hancock in 1999 and registered with the SEC in 2002.
Steve RullManaging Director & Co-founder
Joseph GareaManaging Director & Co-founder
Community board service
- YMCA of Greater St. Louis
- Webster Child Care Center
- Marian Middle School
- Kirkwood Civilian Pension Board
Before you reach out
Questions clients ask before the first meeting.
Is Detalus a fiduciary?
Yes. Detalus is an SEC Registered Investment Advisor, which means the firm is held to a fiduciary standard and is obligated to act in your best interest.
What does Detalus charge?
Fees vary by engagement and the scope of the plan. Detalus documents the fee structure in writing before any work begins, so there are no surprises.
Who does Detalus work with?
Detalus works with individuals and families in the St. Louis area who are planning for major goals: funding college, reaching retirement, or transferring a legacy.
How do I get started?
Start with a consultation. Detalus reviews where you are, documents your goals, and outlines what it will take to reach them. There is no obligation.
How long has Detalus been in business?
Detalus has advised clients since 1999 and has been registered with the SEC since 2002.
Can I verify your registration?
Yes. The firm’s standing is public on FINRA BrokerCheck and the SEC Investment Adviser Public Disclosure site.
Start with a conversation about your goals.
A consultation is a documented review of where you are and what it will take to reach what you have named. No obligation.
SEC Registered Investment Advisor · Fiduciary · Serving St. Louis since 1999