Michael Jost, CLU®
Experience financial clarity and confidence
Personalized strategies to set you on the path to achieving your goals
It’s never too late to regain control and ensure your financial well-being.
We take a proactive approach to financial planning, helping you identify your financial goals and create systems and strategies to reach them efficiently. With a focus on real-world financial education, you will grow in understanding not only the common money mistakes to avoid and feel more confident in your financial choices moving forward.
Who we work with
Individuals and families
Everyone has different goals and mindsets around money, and a customized financial strategy can help guide you on your individual path toward financial wellness in your life.
Being a specialized advisor in the medical field, I understand the unique challenges you face and strategies that work for long-term success.
Bringing a professional into your financial situation requires a high level of trust. To earn my clients’ trust, I focus on the guiding principle of “service over self.”
This means empowering through education, transparency in recommendations, open lines of communication, and upholding my fiduciary responsibility in advisory relationships.
I am a graduate of the University of Texas at Austin, with a degree in economics and business. I have worked as an independent financial advisor since 2011, first in Austin, TX, then St. Louis, and now Kansas.
Outside of work, it is important to me to be active in my community. I was a member of the St. Louis Rotary for six years, and I am a current member of the board for Stop Alzheimer’s Now, where I have served since its launch in 2013.
I spend much of my free time where it matters most: with family and friends. However, I am also an avid music fan and enjoy playing guitar and piano, writing songs, and listening to music that spans all genres and decades.
FEATURES & DESIGNATIONS
The North Star Medical Division is a group of advisors within North Star Resource Group who specialize in providing financial services to medical professionals at every step in their career. Michael has his CLU® designation from the American College.
Serving as your financial coordinator, I work with our team of specialists to synchronize your wealth solutions to find inefficiencies and resolve them.
As an independent firm, we work around your plan, not any one product, in a true consulting relationship. With any recommendations we provide, we offer resources and education, while you hold total decision-making power.
In this first stage, I will assess your situation and get to know you and your family. I will offer upfront, honest feedback on whether I believe working with me can benefit you and answer any immediate questions you have.
I will also discuss the fees for working with me and how I get paid for my work.
This meeting is always complimentary and no-obligation. Additional introductory meetings may also be complimentary, depending on your situation.
If you choose to work with me, the next step is a data-gathering mission. We will work to compile all your relevant financials into one place so that I can begin honing recommendations specifically for your situation and goals.
Next, we will work together to discover long-term goals and ambitions for your life and create a strategic and actionable plan for achieving them. I’ll include clear action steps for each goal, so you can see a clear timeline from beginning to end.
Finally, we will use the plan we developed to work toward your goals, with regular follow-up consultations. This stage is an ongoing process, and as your life shifts over time, we will evaluate your plan and adjust as necessary.
This is the most fundamental service that I offer. Here, I educate you on subjects such as the basics of finance, types of insurance and accounts you can use, and types of plans to help you make informed decisions about your financial future.
When goals are clear, financial decisions are easy. I use this motto to assist you in identifying financial goals for yourself and your family. I ensure that I ask the right questions to establish genuine objectives for my financial plans.
No plan is perfect. I help you create strategies to help mitigate risk and, when it inevitably comes your way, reduce its impact on your situation. Accounting for risk is crucial to your financial success, making this a major focus of my advising process.
- Occupation-specific disability insurance
- Life insurance
- Long-term care insurance
- Critical illness insurance
- Property and casualty insurance
Wealth growth strategies
The foundation of your entire financial strategy is the ability to grow your wealth. I use proven techniques in investments and other wealth-building strategies to assist you in steadily increasing your wealth potential. I’m here to educate you and guide you on investing principles, helping you build upon the foundation you’ve set.
I get paid in three different ways: Financial Planning, Investments, and Insurance.
As you decide how you would like to work with me and what recommendations I provide that you would like to act on, I am always transparent both on your actual cost and how I am paid based on your choices, so that you never need to wonder about motivations.
Investment advisor representative of Cetera Advisor Networks, LLC.