William L. Meyer, CLU®, ChFC®, AIF
Cutter & Company, Inc.

Tel: 636-537-8770

15415 Clayton Road
Ballwin, MO 63011

The Opportunity You Deserve.

About Cutter & Company, Inc.

CRD# 1018380
Firm CRD# 22449
Insurance License# 0283788
SEC File# 839590
Series: 4, 6, 7, 24, 27, 31, 53, 63, 86, 87

Providing Resources That Offer Investors the Freedom of Financial Security

Located in Ballwin, Missouri, just 15 miles west of St. Louis, Cutter & Company provides professional investment management, and complete financial planning, as well as life and health insurance products. Our goal is to help individuals prepare for current financial and insurance needs and help develop strategies to meet future goals. We strive to provide assistance to small and large businesses in the areas of employee benefits; including group life and health insurance, 401(k) and other qualified plan analysis, deferred compensation programs and other sophisticated executive benefits.

Cutter & Company is locally owned and privately held. The company has been serving the needs of individuals and corporations since 1988. Management has over 70 years combined experience. Our experienced staff and investment representatives have significant industry background, with significant industry experience in the financial industry. Cutter & Company representatives focus primarily on serving the needs of individuals and businesses in Missouri, but is registered to do investment business in over 45 states.

General Information

Firm Start Year:		1988
No.of Employees:		10-19
Insurance License#:		0283788

States Licensed in:

Advisory Services Provided:

Insurance Planning, Financial Advice & Consulting, Portfolio Management, Retirement Planning, 401K Rollovers, Financial Planning for Businesses

Qualifications & Memberships

Insurance and Annuity Licenses:

Long Term Care, Variable Life, Life, Disability, Health, Variable Annuity, Annuity

Financial Organization Memberships:

National Association of Insurance and Financial Advisors (NAIFA), Estate Planning Council of St Louis, Financial Planning Association (FPA)

Compensation and Fees

Fee Structure:

Fee-Based

Compensation Methods:

Based on Assets, Hourly

Education

Bachelor of Science in Business, Minor in Marketin - Business

Maryville College - Maryville College
December 1975-May 1978

Bachler's - Business

Maryville - St. Louis Mo
5/1975-12/1979

Faqs

Do you have a customer satisfaction or refund policy? fees are paid quarterly, in advance. Any unused portion of that fee would be returned to the client should they terminate their account.
Why should I choose you as my financial advisor? BA in Business Administration from Maryville College, with the following designations: AIF, CLU, ChFC, Series 7, 24, 27, 86, 87, 4, 31, 53, & 63
What are your qualifications? What is your education background? Personalized to meet the client's needs.
How do you charge for your services? Financial Planning , Estate Planning and Money Management with a full range of insurance products
How are you compensated? How will I pay for your services? Approximately 90

FAQs

Do you have a customer satisfaction or refund policy? fees are paid quarterly, in advance. Any unused portion of that fee would be returned to the client should they terminate their account.
Why should I choose you as my financial advisor? BA in Business Administration from Maryville College, with the following designations: AIF, CLU, ChFC, Series 7, 24, 27, 86, 87, 4, 31, 53, & 63
What are your qualifications? What is your education background? Personalized to meet the client's needs.
How do you charge for your services? Financial Planning , Estate Planning and Money Management with a full range of insurance products
How are you compensated? How will I pay for your services? Approximately 90
If you are going to manage my account, will you obtain my permission every time you buy or sell something? I will be the main contact. I have additional staff members who can assist you.
How many clients do you currently manage? For my Investment clients, I am primarily fee based, though Insurance products are commission based, as is required by state law.
Will you be the only person working with me? If I manage your account on discretion, no.
Do you offer any guaranteed results? NO
How much risk should I be willing to take? That depends on the clients goals, risk tolerance, Investment objectives, and time horizon.
Have you ever been charged with any breaches? No
What are your management fees? Generally 25 basis Points up to 10 million
What kind of plans do you specialize in? 401K, Profit Sharing, Defined Benefit Pension Plans, Non Qualified Deferred Compensation
Do you have a minimum requirement for number of employees or total investment value? No
What type of plans do you offer? 401K, Profit Sharing, Defined Benefit Pension Plans, Non Qualified Deferred Compensation Plans
Do you offer any additional services? Executive Bonus Plans
What services do you provide? What are your specialties? Financial Planning , Estate Planning and Money Management
What is your experience? How many clients do you currently manage? 33+ years of experience, and approximately 90 managed clientele.
What financial institution(s) do you represent? Cutter & Company, which includes Trust companies, Mutual Funds, Separate Account Mgrs., Insurance Companies.
What is your approach to financial planning? Primarily Fee based, though Insurance products are commissioned based, as is required by state law.
What services do you offer? A customized money management approach to your needs, and 33+years of experience.
What carrier(s) do you represent? 40+
Are there any pre-existing conditions that you can not cover? Yes
How long does it take to complete the application and approval process? As little as two (2) weeks and as long as 90 days depending on the carrier
Is there a maximum age that you can insure? It will depend on the carrier, but generally 85 years of age.
What are your qualifications? 33+ years Experience
What is your approach to 401 K plan rollovers? That would depend on the client's needs and goals
How long does the process of rolling over a 401K plan usually take? It varies with the plan, but typically less than 30 days
What financial institutions do you represent? Cutter and Company and its many affiliates
How many years of experience do you have? 33+ years
What are your fees for this service? For the most part, 1 1/2 percent up to 1 Million. 1 percent over 1 Million
How many 401K rollover clients do you currently manage? 35
Why should I roll over my 401K plan to your firm? Because of my many years of experience in helping companies with their 401k plans, & I act as a 321(Full) Fiduciary by contract, which most firms cannot or will not do.

William L. Meyer

CLU®, ChFC®, AIF

William L. Meyer, AIF, CLU, ChFC,

William L. Meyer graduated from Maryville College in 1978, earned his Chartered Life Underwriter & Chartered Financial Consultant degrees from The American College of Bryn Mawr Pennsylvania in 1983, and his Accredited Investment Fiduciary accreditation from FI360. He is age 58, married with 3 children, and resides in Chesterfield, Missouri. He currently serves on the National Association of Insurance and Financial Advisors BoardSt. Louis. His personal interests are philanthropy for children, golf, skiing, and reading.

In 1988 he co-founded Cutter & Company, Inc., of which he is a producing manager and president. The firm is comprised of three divisions, a Broker Dealer, Registrared Investment Advisory, and an insurance agency and serves businesses and individuals. The firm is licensed in 48 states, has 14 employees and 40 independent advisors affiliated with the firm. Mr. Meyer, in addition to holding life, health, & P&C insurance licenses, also holds the following securities licenses; series, 4, 6, 7, 24, 27, 31, 53, 63, 86, and 87.

He was admitted to the Palladin Registry of Advisors in 2006, and was chosen by clients and St. Louis magazine in 2008, 2009, 2010, 2011, 2012, 2013, & 2014 as a FIVE STAR WEALTH MANAGER in the category of Best in Client Satisfaction Wealth Managers.

My Services

Financial Advice & Consulting

Comprehensive financial and estate planning is available-- use my years of experience to your advantage.

Financial Planning for Businesses

Succession planning, retirement plans, etc. My client base is 85% small business owners.

Portfolio Management

Money management is done directly not generally utilizing mutual funds and outside separate account managers. We tend to be value managers utilizing a discounted cash flow model similar to Warren Buffet--you know, and can follow, and understand what you own.

Office Hours

	Mon.	8:00 AM - 5:00 PM
	Tue.	8:00 AM - 5:00 PM
	Wed.	8:00 AM - 5:00 PM
	Thu.	8:00 AM - 5:00 PM
	Fri.	8:00 AM - 5:00 PM
	Sat.	10:00 AM - 3:00 PM

Communities Served

Arnold	Augusta
Barnhart	Bridgeton
Catawissa	Cedar Hill
Chesterfield	Clayton
Columbia	Defiance
Dittmer	Dupo
East Carondelet	East Saint Louis
Eureka	Fenton
Florissant	Foristell
Glencoe	Golden Eagle
Gray Summit	Grover
Grubville	Hazelwood
Herculaneum	High Ridge
Hillsboro	House Springs
Imperial	Labadie
Lake Saint Louis	Lovejoy
Madison	Maryland Heights
O Fallon	Pacific
Pevely	Portage Des Sioux
Robertsville	Saint Ann
Saint Charles	Saint Louis
Saint Peters	Valley Park
Venice	Villa Ridge
Wentzville	Many clients in other states too

Compensation Arrangements

Check

Awards & Recognitions

5 Star Wealth Managers Award
(01/01/2008)

Awarded for the last 5 years

Research This Advisor

www.finra.org	www.sec.gov
www.sipc.org	www.aicpa.org

William L. Meyer, CLU®, ChFC®, AIF Cutter & Company, Inc.

The Opportunity You Deserve.

About Cutter & Company, Inc.

General Information

Qualifications & Memberships

Compensation and Fees

Education

Faqs

FAQs

William L. Meyer

CLU®, ChFC®, AIF

My Services

Financial Advice & Consulting

Financial Planning for Businesses

Portfolio Management

Financial Advice & Consulting

Financial Planning for Businesses

Portfolio Management

Retirement Planning

401K Rollovers

Insurance Planning

Office Hours

Communities Served

Compensation Arrangements

Awards & Recognitions

Research This Advisor

William L. Meyer, CLU®, ChFC®, AIF
Cutter & Company, Inc.