25 Financial logo

25 Financial

Updated today

Client assets under management

$544,500,000

Clients

505

50% high-net worth

Advisors

9

of 19 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

56

Typical

Average account size

$1,078,218

About

25, LLC provides discretionary asset management and ongoing financial planning to individual and high‑net‑worth clients. The firm also offers estate‑planning coordination through the Vanilla third‑party platform, assists with retitling accounts to align with estate plans, and performs due diligence services for third‑party companies.

Investment programs are tailored to client goals and risk tolerances and use a mix of fundamental, technical, charting, and cyclical analysis with periodic portfolio reviews and tax‑aware monitoring. The firm discloses that it may receive performance‑based compensation in certain instances through a share of managers’ carried interest for alternative investments, with those arrangements structured outside of client accounts.

A notable feature is that some investment advisor representatives maintain outside roles as registered representatives of GreatPointCapital, LLC and as licensed insurance agents, which can result in separate commission‑based compensation and potential conflicts of interest the firm discloses. The brochure also notes the firm accepts limited custody for fee billing and, in some cases, client login credentials for held‑away retirement accounts (requiring an annual independent surprise audit), and that it may receive reimbursements from sponsors for due diligence and marketing activities.

Client services

Financial planning Portfolio management Pension consulting

Expertise

General retirement planning Income planning Tax strategies for small businesses Long-term care insurance College savings (529s, UTMA, etc.)

Fee options

Fixed

Financial planning fees $2,000 to $5,000; Estate planning coordination fees up to $15,000

Percentage

$0 - $250,000: 1.50% annually $250,001 - $500,000: 1.25% annually $500,001 - $2,000,000: 1.00% annually $2,000,001+: 0.90% annually

Commissions

Investment Advisor Representatives receive external compensation for sale of securities and insurance products as Registered Representatives and insurance agents

Performance-based

May receive performance-based fees or carried interest from alternative investment partners; no performance fees are charged directly to client accounts

Other

Fee-only: Financial planning flat fees between $2,000 and $5,000; Estate planning coordination fees up to $15,000 depending on complexity

Main office location

25 Financial

135 West Adams Avenue

Saint Louis MO 63122, United States

Number of offices

3

Most active in

Alaska · Arizona · California · Colorado · Florida · Georgia · Illinois · Iowa · Kansas · Louisiana · Missouri · Nebraska · New Hampshire · New Mexico · New York · North Carolina · Ohio · Oregon · Pennsylvania · Tennessee · Texas · Virginia · Washington · Wisconsin

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

Sarah W

Series 63, Series 66

Saint Louis, MO

25 Financial

Sarah Wilson is a financial advisor at 25 Financial in Saint Louis, MO, with three years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Charles Schwab & Co., Inc. and TD Ameritrade. 25 Financial is an SEC-registered investment adviser that provides discretionary asset management and financial planning primarily to individual and high-net-worth clients. The firm develops customized investment programs based on client goals, time horizon, and risk tolerance, employing various analytical methods and managing accounts on a discretionary basis.

General retirement planning Income planning Tax strategies for small businesses Long-term care insurance College savings (529s, UTMA, etc.)
user avatar

Stephan M

Series 66

Saint Louis, MO

25 Financial

Stephan Mc Kee is a financial advisor with 5 years of industry experience, currently serving at 25 Financial. He holds the Series 66 designation and has worked at Great Point Capital, Arete Wealth Advisors, and Arete Wealth Management. Mc Kee also has a background in the U.S. Army and has been involved in insurance sales as a licensed agent. 25 Financial is an SEC-registered investment adviser that provides discretionary asset management and financial planning primarily to individual and high-net-worth clients. The firm tailors investment programs to client goals and risk tolerance, using various analytical methods and offering alternative investments as part of its portfolio management.

General retirement planning Income planning Tax strategies for small businesses Long-term care insurance College savings (529s, UTMA, etc.)
user avatar

Jonathan L

Series 63, Series 66

Saint Louis, MO

25 Financial

Jonathan Lester is a financial advisor at 25 Financial in Saint Louis, MO, with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Edward Jones, Arete Wealth Advisor LLC, and Great Point Capital, LLC. Outside of his advisory role, he serves as an account manager for Watchmen Solutions, a company providing video and physical security services. 25 Financial is an SEC-registered investment adviser that offers discretionary asset management and financial planning primarily to individual and high-net-worth clients. The firm develops customized investment programs based on client goals and risk tolerance and manages accounts on a discretionary basis with regular reviews.

General retirement planning Income planning Tax strategies for small businesses Long-term care insurance College savings (529s, UTMA, etc.)
user avatar

Randall L

CFP®, Series 66

Saint Louis, MO

25 Financial

Randall Larson is a CFP® with 15 years of experience and is affiliated with 25 Financial in Saint Louis, MO. His prior work includes roles at Arete Wealth Management and the founding of Larson Financial Group. Outside of financial advising, he is involved in film production and editing through Martureo, Inc., a nonprofit operating foundation, and serves as a board member of The Office Social Club, a members-only nonprofit social organization. 25, LLC is an SEC-registered investment adviser that provides discretionary asset management and financial planning primarily to individual and high-net-worth clients. The firm creates personalized investment programs using various analytical methods and manages accounts on a discretionary basis with regular reviews.

General retirement planning Income planning Tax strategies for small businesses Long-term care insurance College savings (529s, UTMA, etc.)
user avatar

Timothy M

Series 63, Series 65

Saint Louis, MO

25 Financial

Timothy Moore is a financial advisor at 25 Financial in Saint Louis, MO, holding Series 63 and Series 65 licenses with five years of industry experience. His prior roles include positions at Great Point Capital, LLC, Arete Wealth Advisors LLC, Arete Wealth Management LLC, and Core Planning, LLC. Outside of his advisory work, he oversees finances and administrative functions at Faith Community Church. 25 Financial is an SEC-registered investment adviser that provides discretionary asset management and financial planning primarily to individual and high-net-worth clients. The firm develops client investment programs tailored to goals, time horizon, and risk tolerance, employing various analytical methods and managing accounts on a discretionary basis with regular reviews.

General retirement planning Income planning Tax strategies for small businesses Long-term care insurance College savings (529s, UTMA, etc.)
user avatar

Bradley M

CFP®, Series 66

Nolensville, TN

25 Financial

Bradley Meyers is a Certified Financial Planner (CFP®) with 11 years of industry experience. He is currently with 25 Financial, where he has worked since 2022. His prior experience includes roles at Arete Wealth Management LLC, Arete Wealth Advisors LLC, and Larson Financial Group. 25 Financial is an SEC-registered investment adviser that provides discretionary asset management and financial planning primarily to individual and high-net-worth clients. The firm creates customized investment programs based on client goals and risk tolerance, using a range of analytical methods and generally managing accounts on a discretionary basis.

General retirement planning Income planning Tax strategies for small businesses Long-term care insurance College savings (529s, UTMA, etc.)
user avatar

Nathan B

Series 66

Iowa City, IA

25 Financial

Nathan Brooks is a financial advisor at 25 Financial with 15 years of industry experience. He holds the Series 66 designation and has worked at firms including Larson Financial Group and Arete Wealth Advisors. In addition to his advisory role, he conducts fixed disability and term life insurance sales through an agency on a limited basis. 25 Financial is an SEC-registered investment adviser that provides discretionary asset management and financial planning primarily to individual and high-net-worth clients. The firm uses various analytical methods to tailor investment programs based on clients’ goals, risk tolerance, and time horizon.

General retirement planning Income planning Tax strategies for small businesses Long-term care insurance College savings (529s, UTMA, etc.)
user avatar

Brian S

Series 63, Series 66

Saint Louis, MO

25 Financial

Brian Sanguinet is a financial advisor with 14 years of industry experience, currently serving at 25 Financial. He holds Series 63 and Series 66 licenses and has worked at firms including Great Point Capital and Arete Wealth Advisors. Outside of finance, he owns a hair salon, Salon Artiste, in Saint Louis, MO. 25 Financial is an SEC-registered investment adviser that provides discretionary asset management and financial planning primarily to individual and high-net-worth clients. The firm bases client investment programs on goals, time horizon, and risk tolerance, using various analytical methods, and manages accounts on a discretionary basis with regular reviews.

General retirement planning Income planning Tax strategies for small businesses Long-term care insurance College savings (529s, UTMA, etc.)
user avatar

Jeffrey L

Series 66

Saint Louis, MO

25 Financial

Jeffrey Larson is a financial advisor with 21 years of industry experience, currently affiliated with 25 Financial. He holds the Series 66 designation and has previously worked at Arete Wealth Management LLC and Larson Financial Group, LLC. Outside of his advisory role, he is an owner of The Office Club, LLC, which rents office space for social events, and serves on the board of The Office Social Club, LLC, a members-only nonprofit social organization. 25, LLC is an SEC-registered investment adviser that provides discretionary asset management and financial planning primarily to individual and high-net-worth clients. The firm develops client investment programs based on individual goals, time horizon, and risk tolerance, employing various analysis methods and generally managing accounts on a discretionary basis with quarterly reviews.

General retirement planning Income planning Tax strategies for small businesses Long-term care insurance College savings (529s, UTMA, etc.)
Warmer team member

Not sure where to start?

We'll help you think it through – whether you ultimately need an advisor or not.

Call (201) 292-4557

Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.

Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.

For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.

By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev

© 2026 Warmer Holdings Inc. ("Warmer")