Andrew Emmerich

Investment Advisor Representative,

St. Louis

, Missouri

Andrew Emmerich is thrilled to continue his financial advising journey with Retirement Income Source. Before transitioning into finance, Andrew spent several years in education as a teacher and later as a high school assistant principal. He holds a Bachelor’s in Education from St. Louis University, a Master’s in Educational Administration from Southeast Missouri State University, and a Doctor of Education from Maryville University of St. Louis.

A proud native of St. Louis, Missouri, Andrew is married to his wonderful wife, Genevieve, who is a mechanical project engineer. While they don’t have children yet, they are devoted animal parents to three horses and a barn cat.

When he’s not helping clients prepare for or enjoy retirement, Andrew enjoys spending time outdoors fixing fences at the stables, mowing pastures, or simply relaxing poolside with family, friends, and a cold drink. If it’s chilly, you’ll likely find him by the fire with a good bourbon and spy novel in hand. He and Genevieve also love to travel and look forward to continuing their adventures together.

Family plays a big role in Andrew’s life. With his parents and two sisters living just half a mile away, he deeply values those close-knit relationships. Their ongoing support, along with his strong connections to friends and his wife, has been a foundation for both his personal and professional success.

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Andrew Emmerich

Contact Andrew Emmerich

Within Ten Years of Retirement

Risk Management: How prepared is your portfolio for a market downturn?

I haven’t thought about what a big market drop would do to my savings.

I know a downturn would hurt, but I’d probably recover over time.

I’ve already adjusted my investments, so a downturn won’t derail me.

Optimization of Income: How clearly do you know the income you’ll need in retirement?

I’m not sure what I’ll need or where it will come from.

I have a ballpark number, but no detailed plan.

I’ve calculated my income needs and know exactly how I’ll fund it.

Unexpected Expenses: If something happened to you tomorrow, how prepared would your dependents be?

They’d be financially lost without me.

They’d manage for a little while, but eventually struggle.

They’d be more financially secure because I’ve planned ahead.

Tax Efficiency: How well do you understand the taxes you’ll pay on retirement accounts?

I have no clue how retirement withdrawals are taxed.

I know the basics, but I’m not sure how it affects me.

I fully understand and have strategies in place to help minimize taxes.

Estate Planning: How prepared are you with wills, directives, and estate plans?

I don’t have anything written down.

I’ve started, but my plan is incomplete or outdated.

I have a complete and current estate plan in place.

At Retirement Age

Risk Management: How would a market swing affect your lifestyle right now?

It could force me to delay or change my plans.

I might need to tighten my budget for a while.

It wouldn’t change my retirement lifestyle.

Optimization of Income: How certain are you about your retirement income sources?

I don’t really know where the money will consistently come from.

I know the main sources, but I haven’t planned how to use them.

I’ve mapped out all income streams and how they work together.

Unexpected Expenses: How prepared are you for long-term care costs?

I haven’t planned for them.

I’ve thought about them, but I haven’t secured coverage.

I have protection and funding strategies in place.

Tax Efficiency: How well do you understand taxes on your withdrawals and RMDs?

I don’t understand them at all.

I have a general idea, but not a detailed strategy.

I fully understand and have a tax-efficient plan.

Estate Planning: How prepared is your estate plan?

I don’t have one.

I’ve started, but it’s incomplete.

I have a complete, updated plan in place.

ALREADY RETIRED

Risk Management: How do you feel about market volatility?

It makes me anxious that I’ll run out of money.

It worries me sometimes, but not always.

I feel secure no matter what the market does

Optimization of Income: How secure do you feel about sustaining your income?

I’m worried I’ll outlive my money.

I think I’ll be okay, but I’m not fully certain.

I’m confident my income will last.

Unexpected Expenses: If you faced a major medical expense today, what would happen?

It would devastate my finances.

It would hurt, but I could manage.

I’d be covered without stress.

Tax Efficiency: How prepared are you for taxes on withdrawals, RMDs, and Medicare penalties?

I haven’t planned for them at all.

I know about them, but I don’t have a strategy.

I’ve implemented tax strategies to help reduce their impact.

Estate Planning: How updated is your estate plan?

I don’t have one.

It exists, but it needs updates.

It’s current and clearly protectsmy wishes.

Where are you on your retirement journey?

Retirement Readiness Self-Assessment Survey

____ RISK MANAGEMENT

My retirement accounts have been stress-tested for various market conditions.

My investments are safeguardedagainst market crashes.

Fear won’t stop me from enjoying retirement when the market drops.

My current investments match my risk tolerance.

____ OPTIMIZATION OF INCOME

I know how much income I need to support my retirement goals.

I know how much I can spend without touching my principal.

I have calculated inflation into my need for retirement income.

I don’t fear running out of money because I have a solid income plan.

____UNEXPECTED EXPENSES

If I were not here tomorrow,my dependents would be fine financially.

I’m prepared for the cost of future medical events.

Risk Management:
How prepared is your portfolio for a market downturn?

Optimization of Income:
How clearly do you know the income you’ll need in retirement?

Unexpected Expenses:
If something happened to you tomorrow, how prepared would your dependents be?

Tax Efficiency:
How well do you understand the taxes you’ll pay on retirement accounts?

Estate Planning:
How prepared are you with wills, directives, and estate plans?

Risk Management:
How would a market swing affect your lifestyle right now?

Optimization of Income:
How certain are you about your retirement income sources?

Unexpected Expenses:
How prepared are you for long-term care costs?

Tax Efficiency:
How well do you understand taxes on your withdrawals and RMDs?

Estate Planning:
How prepared is your estate plan?

Risk Management:
How do you feel about market volatility?

Optimization of Income:
How secure do you feel about sustaining your income?

Unexpected Expenses:
If you faced a major medical expense today, what would happen?

Tax Efficiency:
How prepared are you for taxes on withdrawals, RMDs, and Medicare penalties?

Estate Planning:
How updated is your estate plan?