Mike Holtz (CFP®)
Planning Specialties
Mike Holtz, CFP® focuses on comprehensive wealth management and objective financial guidance for individuals, couples, families, and business owners. His core areas of focus include:
- Retirement Income Planning: Guiding clients through the transition from saving to spending, with an emphasis on tax-smart withdrawal strategies and sustainable income throughout retirement.
- Portfolio Management: Constructing and overseeing investment portfolios tailored to each client's financial objectives, timeline, and comfort with risk.
- Tax-Aware Financial Planning: Coordinating with clients' tax professionals to uncover opportunities for reducing lifetime tax liability through strategic asset placement, Roth conversions, and income management.
- Legacy and Estate Planning: Helping families structure wealth transfers that align with their wishes, protect future generations, and minimize unnecessary estate and gift taxes.
- Planning for Business Owners: Partnering with entrepreneurs on exit and succession planning, personal liquidity strategies, and aligning business wealth with long-term personal financial goals.
Mike is committed to helping clients bring clarity to complex financial decisions through thoughtful, research-driven advice. All services are provided on a Fee-Only basis, backed by a fiduciary obligation to always act in the client's best interest.
Additional Information
Mike Holtz is a Financial Advisor at Toberman Becker Wealth in St. Louis and a CERTIFIED FINANCIAL PLANNER® professional who helps families build and manage wealth throughout every stage of life. He brings strong technical financial planning expertise and a client-centered mindset to developing thoughtful, personalized strategies.
Mike received a Bachelor of Arts (B.A.) degree in Finance from Illinois Wesleyan University and is a member of the National Association of Personal Financial Advisors (NAPFA), Fee-Only Network and Financial Planning Association.
A strong believer in continuous professional development, Mike consistently expands his knowledge to stay current with evolving planning techniques and industry best practices. He values collaboration and works closely with colleagues to refine processes and elevate the overall client experience. This commitment to learning and teamwork supports the high standard of service delivered at Toberman Becker Wealth.
NAPFA Start Date
February 04, 2026
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