B & B Financial Planning Co., Inc.

Walter Obremski is a CFP® with 54 years of experience in the financial services industry. He is currently affiliated with B & B Financial Planning Co., Inc. and Cutter & Company, Inc., where he has worked since 1990. Outside of his advisory role, he holds ownership interests and serves as secretary in two investment stock clubs. B & B Financial Planning Co., Inc. provides financial planning and discretionary investment management to individuals, families, trusts, estates, and family businesses, managing approximately $102 million across about 117 households. The firm serves both high-net-worth and non-HNW clients, employing a strategic asset-allocation approach with a mix of passive ETFs, actively managed funds, dividend-paying stocks, and municipal bonds, supplemented by risk management techniques including derivatives in separately managed accounts.

Theodore Esser is a CFP® and holds a Series 66 license with 12 years of industry experience. He is currently affiliated with B & B Financial Planning Co., Inc. and Cutter & Company Brokerage, having worked previously at Edward Jones. B & B Financial Planning Co., Inc. provides financial planning and discretionary investment management to individuals, families, trusts, estates, and family businesses, managing approximately $102 million for around 117 households. The firm serves both high-net-worth and non-HNW clients, using a strategic asset-allocation approach with a mix of passive ETFs, actively managed funds, dividend-paying stocks, and municipal bonds, including the use of derivatives in separately managed accounts for risk management.

Jason Haldiman is a financial advisor with B & B Financial Planning Co., Inc. in O'Fallon, MO, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Cutter & Company, Inc. since 1995 and joined Prospera Financial Services, Inc. in 2025. Outside of his advisory role, he is involved in Medicare insurance sales and independent contractor work related to employer benefit programs for nonprofit employees. B & B Financial Planning Co., Inc. provides financial planning and discretionary investment management to individuals, families, trusts, estates, and family businesses, managing approximately $102 million for about 117 households. The firm serves both high-net-worth and non-HNW clients, employing a strategic asset-allocation approach with passive ETFs, actively managed funds, dividend-paying stocks, and municipal bonds, supplemented by periodic reviews and rebalancing.