Month: April 2026
What It Means to Be a Family CFO (Ep. 19)

What It Means to Be a Family CFO (Ep. 19)

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What does it really mean for a financial advisor to act as a “Family CFO?”

In this episode of Wit, Wisdom, and What Matters Most, Danton Troyer and Kyle Luetters explain how financial planning goes far beyond investments and into the real decisions that shape a person’s life. Danton and Kyle discuss their “Family CFO” approach to financial planning and how it helps clients navigate complex financial decisions throughout different stages of life. 

They explore how financial complexity often grows gradually as careers advance and compensation structures evolve. What begins as simple retirement savings can eventually include stock compensation, deferred compensation plans, tax planning strategies, and legacy considerations. Without coordination, these pieces can quickly become overwhelming. 

Danton and Kyle also explain why effective financial planning begins with understanding a client’s personal goals and values. Through stories and real client experiences, they share how meaningful conversations, thoughtful questions, and long-term accountability can help clients align their financial decisions with what truly matters most.

Key Takeaways:

  • The “Family CFO” approach to financial planning
  • How financial complexity grows as careers advance
  • Why planning starts with understanding personal goals
  • The long-term ripple effects of financial decisions
  • The value of accountability and guidance in financial planning
  • And more!

Resources:

Connect With Danton Troyer:

Connect with Kyle Luetters:

About The Hosts:

Danton Troyer brought his individual practice to Moneta in 2018, after more than a decade on his own. Adding the support of our team, backed by an Enterprise Service Team, to Danton’s personal expertise and care for his clients created quite the dynamic combination. As your Family CFO, Danton and our team deliver high-level service and advice while giving you and your personal financial circumstances the individual attention you deserve. You can trust our team to help you navigate life’s many major financial transitions while protecting your savings and assets. He excels in developing sophisticated solutions for complex tax challenges, education expenses, business ventures, philanthropy, retirement, and multigenerational legacies. 

Danton earned his bachelor’s degree from Missouri State University in 2005 before moving back to St. Louis to start his career as a Financial Advisor. He then went on to earn his CFP® credentials in 2010. Danton and his wife have two children who keep them busy with all their activities, from volleyball to BMX racing. Outside the office, Danton enjoys golfing, traveling, and hunting.

Throughout his adult life, Kyle Luetters has had a passion for financial literacy and complex problem solving. Kyle has experience in investment model management, alternative investments, insurance strategies, and tax planning. He lends this expertise to a diverse client base, which includes multigenerational families, business owners, and farmers and ranchers. Kyle joined Moneta’s GFT team as an Advisor in 2022. Prior to that, Kyle was involved in financial planning and investment management at Northwestern Mutual and Stifel Nicolaus. In 2019, Kyle obtained the CERTIFIED FINANCIAL PLANNER® (CFP®) certification. Kyle earned his CFP® because of his deep love of working with people and the knowledge gained in comprehensive financial planning, ensuring he is able to deliver world-class solutions to his clients and prospects. The ongoing continuing education keeps him sharp and on top of changes in the industry. The high ethical standards set forth by the CFP® Board provides great reassurance to his clients and prospects. Kyle became an Enrolled Agent (EA) in 2024. The highest credential awarded by the Internal Revenue Service, EAs earn the privilege of representing taxpayers by passing a three-part, comprehensive test covering individual and business tax returns, as well as IRS procedures and rulings. Kyle became an EA to further his knowledge and understanding of taxes while helping people navigate their financial life as tax-efficiently as possible. 

Kyle graduated from Cameron University with a Bachelor of Arts degree in communications. Kyle and his wife have two children. He is active in his local church, participates in a men’s organization called F3, and is an active do-it-yourselfer. He also enjoys craft beer, motorsports, wood-fired BBQ, and is a proud Kansas City Chiefs fan.

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