Self Directed Investing

Investing independently with UMB Financial Services, Inc.1

If you are a confident and independent investor who prefers to dig into the investing details solo, we have a wide range of investment choices, data and tools at your disposal. With our online, self-directed brokerage account you can research, select, purchase, monitor and manage your investment portfolio.

Self Directed Investing

Investing independently with UMB Financial Services, Inc.1

If you are a confident and independent investor who prefers to dig into the investing details solo, we have a wide range of investment choices, data and tools at your disposal. With our online, self-directed brokerage account you can research, select, purchase, monitor and manage your investment portfolio. Differentiator component

Robust trading platform and tools

Conveniently manage your brokerage account and trades online, and use our investor tools and research to feel confident in your selections.

Transparent fees

Our fee structure is simple and straightforward. No hidden fees, no fine print. You can choose the level of service or support you want.

No minimum initial investment

Whether you’re just getting started or interested in a more hands-on investing experience, UMB makes it accessible with no-minimum balance brokerage accounts.

Start your investment account

To get started on your self-directed investment experience, call 800.842.9999

Account features

Brokerage account options

Depending on your needs, we have several account options to choose from:

  • Individual accounts
  • Joint accounts
  • Custodial accounts
  • Transfer on death accounts
  • Trust accounts

Brokerage investment solutions

  • Stocks
  • Bonds
  • Mutual funds
  • Options
  • Brokered certificates of deposit

Five things to know about bonds

Bonds are a risk-mitigating asset class. They lower the total volatility of portfolio returns and provide protection against turbulence in the global economy and equity markets. Yields and returns are currently below long-term averages, but bonds still play an important role in portfolio diversification and risk management.

Are you financially ready for retirement?

Retiring is one of the largest transitions a person will encounter in their lifetime, yet only one-third of Americans feel they are ready for retirement

If you have questions about your brokerage account, connect with us at 800.842.9999

Investing with professional assistance1

Find out more about working with a UMB financial professional to develop a diversified portfolio based on your goals and risk tolerance, which can include ongoing account monitoring and rebalancing services with UMB Fund Advisor.

Learn More

Custom portfolio construction and management3

We deliver a full-service experience with a dedicated wealth advisor team providing customized investment guidance based on your goals.

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Securities are offered through (1) UMB Financial Services, Inc., Member FINRA, SIPC or (3) UMB Private Wealth Management. UMB Private Wealth Management is a division within UMB Bank, n.a. UMB Bank, n.a. is a subsidiary of UMB Financial Corporation. UMB Financial Services, Inc. is a wholly owned subsidiary of UMB Financial Corporation and an affiliate of UMB Bank, n.a.

(2) UMB health savings accounts are offered through UMB Healthcare Services. UMB Investment Management selects mutual funds in various asset classes for inclusion in the UMB HSA Saver Investment Program. UMB Investment Management and UMB Healthcare Services are departments of UMB Bank, n.a. UMB Bank, n.a. is a wholly owned subsidiary of UMB Financial Corporation. UMB Custody Services provides safekeeping and settlement of the mutual fund investments in the UMB HSA Saver investment program. UMB Custody Services is a division of UMB Bank, n.a.

Check the background of UMB Financial Services, Inc. and associated investment professionals on FINRA's BrokerCheck.

Securities and Insurance products are:

NOT FDIC INSURED | NO BANK GUARANTEE | NOT A DEPOSIT | NOT INSURED BY ANY GOVERNMENT AGENCY | MAY LOSE VALUE