Tom Ulmer, ChFC, CASL
Financial Plans and Concepts



Tom Ulmer, ChFC, CASL, Financial Plans and Concepts, (FPC) is an independent, locally owned financial services organization with offices at 914 S. Kirkwood, Ste. 200, Kirkwood, Missouri 63122. Our phone number is (314) 821-7010, and fax is (314) 909-0144.
Multi-year recipient of St. Louis' Five Star Wealth Managers
as named in St. Louis Magazine

This site has been published in the United States for residents of the United States. The entire site has been prepared solely for informational purposes, and it is not an offer to buy or sell or a solicitation of an offer to buy or sell any security or instrument or to participate in any particular trading strategy. Financial Plans and Concepts, Inc.and any of its employees or representatives acting as an agent, may transact business in a particular state only if first registered, excluded or exempted from registration requirements .  Financial Plans and Concepts, Inc.'s FINRA Registered Members are registered reps of First Heartland Capital, Inc. , a registered broker/dealer based in Lake Saint Louis, Missouri.  Financial Plans and Concepts, Inc. is not affiliated in any way with First Heartland Capital, Inc.

Securities offered through First Heartland Capital, Inc.
Member FINRA &SIPC
Advisory Services offered through First Heartland Consultants, Inc.
1839 Lake St. Louis Boulevard
Lake St. Louis, MO 63367
636.635.0900
Financial Plans and Concepts, Inc. is not affiliated with First Heartland Capital, Inc.