Independent · Fiduciary · Coordinated by design

The Plan You Were Promised —
Built for the Life You're Actually Living

You've worked too long to wonder if your money will last. We build the plan, manage the portfolio, and answer the phone — even when markets don't.

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Our Legacy
Three Generations of Doing the Right Thing
Breiter Wealth Management is named for Harold Breiter — a WWII veteran who ran a small-business lending operation for decades, serving manufacturers the big banks wouldn't touch. When the S&L crisis hit and his bank called every loan overnight, Harold chose personal bankruptcy rather than pass the burden to his clients.
That story — doing right by people, even at personal cost — is the foundation of everything we do.Joshua E. Reesman · Certified Financial Fiduciary® · National Social Security Advisor®
Est. 1940s

Samuel Breiter & Co.

Founded by Josh's great-grandfather, the firm provided secured loans to small manufacturers. In 1958, the U.S. Court of Appeals for the Second Circuit upheld the firm's lending practices — part of the legal foundation for what we now call private credit.

Through the 1980s

Harold Breiter's Stewardship

Harold continued his father's legacy, serving small businesses for decades. When crisis struck, he chose his clients over his own financial security.

2026

Breiter Wealth Management

Josh — and now his wife Heidi — carry the family name forward, combining multigenerational values with modern technology and coordinated, year-round planning.

What We Do
Every Decision, in One Model
Every financial plan is built from scratch for your unique situation. No templates. No cookie-cutter models.

Investment Management

Public and private market strategies built around your goals, risk tolerance, and tax brackets. Independent research, no proprietary products.

Retirement Income Planning

Social Security optimization, pension analysis, Roth conversion strategies, IRMAA management, and income solutions.

Tax Planning & Optimization

Multi-year Roth conversion sequencing, capital gains management, and charitable giving optimization.

Medicare & Healthcare

Medicare enrollment guidance, supplement vs. Advantage analysis, and IRMAA bracket management.

Estate & Legacy Planning

Trust planning, beneficiary optimization, and multigenerational wealth transfer. For qualifying clients, we cover the cost of foundational estate documents prepared by an independent provider.

Alternative Investments

Private credit, real estate, cryptocurrency, and other alternatives — evaluated through rigorous due diligence.

How We Work
Built on Principles, Not Products
Our approach is grounded in the values Harold Breiter lived by.
I

Always Doing the Right Thing

Client welfare comes first, period. Even at personal cost.

II

Complete Transparency

No hidden fees. No fine print. No surprises. Ever.

III

Education & Empowerment

We teach you to understand your own finances so you can make informed decisions.

IV

Thoughtful Customization

Every plan is built from scratch for your unique situation.

How We Compare
Three advisers. Three different relationships.
Prospective clients should compare us with at least one of two other categories of adviser before they decide. Educated consumers make better decisions — and better long-term clients. So we'll name the differences out loud.
ABrokerage / Wirehouse AdviserBCoordinated FiduciaryBWMCDigital / Low-Cost Adviser
Fee modelCommissions plus AUM, often dually registered brokersTiered AUM, any conflicts of interest disclosedFlat annual subscription, and/or low-cost management fees
Fiduciary standardSometimes — broker and adviserAlways (RIA only)Always (RIA only)
Investment approachModel portfolios plus proprietary productsMulti-strategy customization — passive, evidence-based, macro-aware, individual securities, options, and digital assets where appropriateAlgorithmic model portfolios, typically passive index ETFs
Adviser you work withSometimes rotates as advisers move firmsA dedicated, experienced adviserA pool of advisers, shared across many clients
ServiceOften hard to reach — solo if independent, a 1-800 line if at a wirehouseDedicated adviser and support team who already know your story — no 1-800 numbers1-800-style support pool
Planning depthInvestment-focused; planning is a secondary serviceFully customized to your householdTemplated for scale
Tax planningLimited or absentIntegrated, coordinated with your CPABasic projections, often an add-on
Estate coordinationLimitedFoundational documents covered via an independent provider, for qualifying clientsDocument forms; legal review delegated to the client
TechnologyLegacy reportingModern, integrated planning portal with custom AI-assisted featuresModern, off-the-shelf dashboards
Macro-aware portfolio positioningRareAvailable as one strategy among several, based on client preferenceGenerally not offered; passive index allocation is the default
CostTypically 1.0%–1.5% AUM plus product commissionsTiered AUM, 1.00% under $1M scaling to 0.40% at $20M+$2,000–$10,000 flat annual fee

Cost varies significantly by household size, complexity, and each adviser's actual fee schedule. The figures above describe typical pricing for each category; your situation may differ. BWM's full fee schedule is available on request and in our Disclosures.

Technology
Modern Tools, Timeless Values
The financial services industry runs on powerful planning software. But that software is built for the masses — the 80% of cases that fit a template. The customized scenarios real clients actually face are where it falls short. That's where we live.

AI-Powered Planning Dashboards

Every client gets an interactive financial dashboard built around your situation, not a template, that lives in your client portal. Model your retirement income, stress-test your portfolio, and see how each decision moves the plan. We create the tools, walk you through them, and leave them with you. Planning is a team effort, not a one-off meeting deliverable.

When the Template Doesn't Fit

Are you considering a real-estate purchase to take advantage of OBBBA's reinstated accelerated depreciation?

We model the tax impact alongside your full picture — not as a one-off calculator divorced from the rest of your plan.

Are you evaluating a private investment opportunity?

We stress-test the offering against your liquidity, your tax situation, and your concentration risk before you commit capital.

Are you giving through a Donor Advised Fund or another charitable vehicle?

We coordinate donation timing, asset selection, and bunching strategy with your broader tax plan — not in isolation.

Do you have a trust situation more complex than a basic Revocable Living Trust?

GRAT, SLAT, ILIT, CRT — we work alongside your estate attorney to model the planning implications inside your full plan.

Are you selling a business and weighing the most tax-efficient exit?

We coordinate with your CPA and attorney to evaluate installment sales, charitable trusts, opportunity-zone reinvestment, and the rest of the toolkit.

Are you holding a concentrated stock position from an employer or a pre-IPO grant?

We model unwinding strategies that balance tax exposure, market timing, and your broader goals.

Flexible Engagements
Don't Need the Full Relationship?
Plenty of households see the value in professional planning without wanting — or needing — a full advisory relationship. Three ways we can still work together.
Contact us about planning-only options
Get Started

Let's Build Your Plan

Pick a meeting. Bring real questions. We'll bring real answers.

Schedule a Meeting (60 min)Schedule a Call (20 min)
Breiter Wealth Management

Independent fiduciary financial planning and investment management. SEC-registered investment adviser based in Creve Coeur, Missouri.

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Custody:Client assets are held at Charles Schwab & Co., Inc., an independent and unaffiliated SEC-registered broker-dealer and member SIPC. Breiter Wealth Management, LLC does not take custody of client funds or securities.

Disclosures: Breiter Wealth Management, LLC is a registered investment adviser. Registration does not imply a certain level of skill or training. Information presented is for educational purposes only and does not constitute investment, tax, or legal advice. Past performance does not guarantee future results. All investing involves risk, including possible loss of principal. For additional information, please review our Disclosures, Privacy Policy, Form ADV, and Form CRS.