Experienced. Responsive. Diligent.

The phrase, “Nothing personal, it’s just business,” does not apply to the service provided by Integrated Financial Services, LLC (IFS). When it comes to advising our clients on accounting, taxation and financial planning, it is our personal interest and knowledge that allows us to appropriately guide our clients and represent their positions. It defines both our culture and our business style.

We pride ourselves on being experienced, responsive and diligent – at all times. This approach to client service molds every interaction and recommendation. Serving clients for more than 35 years, our team of professionals is at your disposal to help you reach your financial goals and objectives, both business and personal.

In order to ensure the best possible fit, IFS offers potential clients a free, no-obligation review of your personal and/or business finances, along with our professional recommendations for protecting and growing your resources. Once delivered, we are certain that you will see the benefits of using IFS as your financial services partner.

New financial challenges and opportunities emerge every day. Recognizing and harnessing the inherent value in each takes the watchful eye of an experienced team of financial professionals.

IFS’s principal – Carl F. Kossmeyer – delivers over 65 years of financial advising experience to every client and situation. This depth and breadth of experience is available to every client. Whether through regular interactions or as needed, it is our principals who drive our solutions-based approach to the management of your finances.

Our level of experience is enhanced by that of our team of tax professionals, accountants, paraprofessionals and administrative staff. These individuals share more than 90 years of experience and more than 35 years of service to IFS’s clients.


When you have a financial question or a problem, it is among the most important things in your life…especially in today’s volatile financial environment. Getting answers and solutions from your financial services advisor should be as easy as making a phone call or sending an email.

IFS employs a team approach to representing your best interests. And while each client has their own team, that client is represented by our entire firm. This means that the most appropriate resource to meet your need is available to provide our best guidance and solutions.

This responsiveness also applies to meeting deadlines, either agreed upon or mandated. We respect your time and peace-of-mind and believe that providing outstanding, timely service is vital to your – and our – success.


The ever-changing nature of business demands on-going review and re-evaluation. This is especially true in the field of taxation. Throughout the year, various elements influence the potential tax liabilities of individuals and businesses.

As your financial service partner, IFS regularly updates your tax status and helps you determine the best options for legally and appropriately minimizing your tax liabilities. First and foremost, we are an accounting firm and it is our fiduciary responsibility to our clients to remain diligently focused on their financial benefits and liabilities throughout each tax cycle, as well as forecast needs for future tax years.

Our recommendations may include accelerating expenses, deferred compensation plans, taking on capital losses to offset capital gains or entering into a tax-deferred exchange – whatever they may be, we offer tax reduction strategies that may stimulate Wealth Accumulation.

About Carl F. Kossmeyer

Carl F. Kossmeyer (CFK) has built his expertise and maintains areas of concentration in taxation, business/financial consulting and estate planning through years of experience with a variety of individuals, trusts and businesses. In addition, he has been instrumental in the design and execution of executive financial and tax planning for both closely held businesses and international enterprises.

A summa cum laude graduate of Saint Louis University with a BS in Commerce, CFK continued his education with a Juris Doctor degree from Laclede School of Law in St. Louis, Missouri, in 1981. Following four years with an international CPA firm and as a partner in a large St. Louis accounting and consulting firm, he formed a partnership with Judy Elias to create Integrated Financial Solutions, LLC (IFS) in 2000.

CFK is a member of the Estate Planning Council of St. Louis, a former member of the Board of Directors and Chairman of the Construction Industry Task Force of AGN International, as well as serving as President of AGN International in 1992-1993. He has presented numerous seminar topics, including corporate, individual and trust taxation, estate planning and mergers and acquisitions.

As an expert in mergers and acquisitions, CFK is President of Strategic Advisory Services, Inc., in addition to his role with IFS. CFK and the firm have been instrumental in assisting clients with the sale of their businesses and/or assets in a wide variety of industries.


IFS is a professional accounting firm which is dedicated to maintaining the highest standards of financial management and reporting. We are on constant guard to ensure that our clients use the complex tax code to their best advantage, as well as eliminating potential tax pitfalls.


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Income Tax Prep

The complexity of the current tax code demands the experience and knowledge of a tax professional when preparing business and personal income tax returns. Our CPAs and tax professionals at IFS are dedicated to legally and appropriately minimizing tax liabilities for our clients.


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Financial Planning

Whether you are conservative or aggressive in your approach to financial management, IFS’s team can help you make the right moves, at the right times, with the right resources. Our financial planning services take every aspect of your financial landscape into account and devise the most appropriate scenarios for your review prior to moving forward.

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