Missouri

From Kansas City to St. Louis, families across Missouri turn to Spicer Financial Group for clear, practical guidance on life insurance, retirement planning, and long-term financial protection. Whether you’re building a future in Columbia, raising a family in Springfield, or enjoying the quiet of the Ozarks, we’re here to help you prepare for tomorrow with confidence and care.

Serving these areas, and more:

  • Kansas City

  • Springfield / Nixa / Ozark

  • Columbia / Jefferson City

  • St. Louis / Chesterfield / St. Charles

  • Branson / Table Rock Lake / Ozarks

  • Rolla / Lebanon / Fort Leonard Wood

  • Independence / Lee’s Summit

  • St. Joseph / Northwest MO

  • Cape Girardeau / Southeast MO

  • Joplin / Carthage

 Missouri Life & Financial Planning FAQs

Life Insurance in Missouri

  • Employer coverage is a great start, but it’s often not enough to protect your family’s full financial picture. Having your own policy gives you more control. You choose how much coverage you need, and it stays with you even if you change jobs.

  • Many Missouri families choose enough to replace several years of income, pay off the mortgage, and cover future needs like college or retirement. We’ll help you find the right balance for your goals.

  • Yes! Missouri law gives you a 10-day “free look” period to review and cancel a new policy for a full refund. There’s also a minimum 30-day grace period if you miss a payment.

Retirement Planning in Missouri

  • Most Missourians use a mix of 401(k)s, IRAs, and annuities. Missouri doesn’t tax Social Security benefits, which is a plus when planning income for retirement.

  • The sooner, the better, but it’s never too late. Even if you’re nearing retirement, we can help you make the most of what you’ve saved and build a plan that works for you.

  • Absolutely! We’ll help you evaluate your savings, lifestyle goals, and future expenses to build a plan that supports retiring on your terms.

Mortgage Protection in Missouri

  • It’s a life insurance policy designed to pay off your mortgage if something happens to you, helping your family keep the home they love without added financial pressure.

  • No. It’s optional, but many homeowners choose it as a safeguard for their largest investment.

  • Yes! We’ll help you update your coverage so it always aligns with your current mortgage balance and needs.

College Funding Strategies in Missouri

  • The Missouri MOST 529 Plan offers great tax advantages for families saving for education. You can also explore other strategies like custodial accounts or life insurance with cash value. We’ll help you decide what works best for your situation.

  • Yes! Family and friends can contribute. It’s a wonderful way for loved ones to invest in your child’s future.

  • You can transfer 529 funds to another family member, or use them for trade school or graduate studies. There are flexible options to keep your savings working for you.

Estate & Legacy Planning in Missouri

  • Estate planning focuses on protecting your assets and ensuring they go to the right people. Legacy planning goes further — it’s about creating a lasting impact through family support, charitable giving, or long-term goals.

  • Yes. Without one, the state decides how your property is distributed. Having a will or trust gives your loved ones clarity and helps avoid costly legal issues.

  • Life insurance provides immediate cash to cover debts, taxes, or final expenses, so your family doesn’t have to sell assets quickly or take on debt.

  • Not at all! Every Missouri family benefits from protecting their home, savings, and personal belongings through proper planning.

Debt Protection in Missouri

  • It helps pay off loans — like credit cards, car loans, or personal loans — if you pass away or become disabled. It keeps your family from inheriting your financial burdens.

  • Not exactly. Life insurance offers broader financial protection, while debt protection targets specific debts. Using both ensures you’re fully covered.

  • Anyone carrying ongoing debt, especially single-income households or families with shared financial obligations.

  • No. It’s optional, but many families see it as a smart safety net.

Income Protection in Missouri

  • It replaces part of your paycheck if you can’t work due to illness or injury, giving you stability while you recover.

  • Some do, but those plans are often short-term or partial. Private coverage can fill the gaps so your income is fully protected.

  • That depends on your plan. Some last a few years, others until you retire. We’ll help you choose the right fit for your budget and needs.

  • Usually not. Costs vary based on your health, job, and coverage level, but most families find it’s affordable, and worth the peace of mind it brings.