Cadeau is an independent financial services firm based in Chesterfield, Missouri, serving individuals, families, charities, and business owners largely based in the greater St. Louis area. We help our clients in a rather unique capacity in that we help people identify money that they're losing unknowingly and unnecessarily.  You ask, "What does that mean?"  It's how you fund your 401(k), pay or fund college, pay the mortgage and how you make major purchases. Typically we are able to show someone how to increase their after-tax retirement income without having to save any more money.