David  Zaegel

David Zaegel


CWOs for Hire


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Fee-Only Financial Planner serving the greater St. Louis, MO area.


  • Fee-Only Financial Planning
  • Business Planning
  • Retirement Planning
  • Investment Management
  • Tax Planning
  • Employee Benefits
  • 401(k) and IRAs


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17295 Chesterfield Airport Road
Chesterfield, MO 63005

Fee-Only & Fiduciary

The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

David Zaegel is a St. Louis, MO Fee-Only Financial Planner serving St. Louis and all surrounding areas. CWOs for Hire specializes in providing objective financial planning to help clients build, manage, grow, and protect their assets through life's transitions. David Zaegel is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.

Born and raised in Saint Louis, Dave graduated from Saint Louis University with a Masters in Accounting.  He spent the first 15 years of his career in various advanced accounting functions.  

Since that time, Dave has followed his passion and greater purpose of helping people with their financial planning.  His business background and knowledge of taxes, cash flow, and investments makes him a perfect fit for working with business owners.

Outside of working, Dave spends time with his wife and three children.  Dave enjoys sports (especially baseball), exercising and playing music.  Dave also enjoys volunteering in his community through the Town and Country / Frontenac Chamber of Commerce, and through activities at St. Joseph - Manchester, MO parish.


Our Mission

Our mission is simple: to provide you a better life by giving you greater control of your finances. Life happens and plans will always change.  We help you navigate through the ups and downs of life.

Rarely does a successful company operate without a plan.  Yet, so many small businesses owners try to function without one.  We provide you with the tools, knowledge and expertise you need to plan properly.

All services below are included in our affordable monthly cost.

Connect the "WHY"

Why do you do what you do?  We can give you all the brilliant financial advice in the world, but it won't have nearly as much impact if we don't connect it back to your "why"?

Be Efficient

Because you are busy, we develop your plan in smaller increments to be more efficient with your time, and focus on shorter, more frequent ongoing contacts thereafter.  We use join.me to connect with you virtually so you don't have to drive to our office all the time, and eMoney to aggregate all of your financial information in one place and provide us with a single tool to collaborate.

Budgeting & Cash Flow Planning

Helping with your cash flow and habits is likely the most important aspect of financial planning.  Without this, your overall financial plan will suffer.

Investment Management

We have a passion for investment management, and prefer to utilize individual stocks, bonds and options where we can.  We then complete portfolios with low-cost ETFs and index funds for proper allocation and diversification.

Tax Planning & Tax Return Preparation

Our backgrounds in accounting are perfect for helping you manage your taxes.  Tax planning does not happen once per year.  It requires an ongoing process and discussion for best results.  We then prepare your tax return through one of our outside partners if you don't already utilize a CPA.

College Planning

Have children in or near high school?  Planning for college can be a stressful and emotional process.  We can show you how to save tens of thousands of dollars on the cost of college.  

Workplace Benefits

Workplace benefits are a crucial piece of any financial plan.  The benefits you set-up within your company can be substantial and should be properly utilized.  We help optimize the benefits you provide to your employees, and to yourself.

Insurance Planning

Without proper insurance projection, all your financial plans could be quickly ruined.  We look at all aspects of insurance planning, including life, health, disability and property insurance, to make sure you are not overly vulnerable to large risks.

Debt Management

What to do with that debt?  Debt can be a big stress if you don't have a plan for it.  We'll help put your debt in the context of your overall plan and provide a strategy to properly manage it..