Carl Goodin is a Fee-Only Financial Planner/Investment Manager located in Ellisville, MO, a suburb of St Louis serving clients across the United States. As president of Financial Planning Associates, Inc. he has helped families and individuals accomplish their financial goals for more than twenty-five years by using the Financial Planning Process as a starting point for establishing and maintaining an appropriate action plan and by using Markowitz Mean Variance Portfolio Optimization to manage investment risks. Our relationship with our client is, at all times, that of a FIDUCIARY to a beneficiary. Carl Goodin is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.