Livingston & Associates, Ltd.
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$19,000,000
Total clients
18
39% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
18
Average account size
$1,055,556
About
The firm is a single-advisor independent wealth manager serving primarily individual clients (including some high-net-worth households) and a limited number of corporate retirement-plan clients, with approximately $20.56 million in assets under management and a small client base. It provides portfolio management, comprehensive and specific-area financial planning, asset-protection/insurance offerings, and occasional business consulting engagements.
The advisor manages accounts on a non-discretionary basis and emphasizes a passive-management discipline: developing an investment policy statement, maintaining target asset allocations, and rebalancing rather than active trading. Custody is provided through Charles Schwab and the firm requires a $1,000,000 minimum for Schwab accounts while offering hourly consulting or alternative services for smaller relationships.
What distinguishes the firm from many peers is its role as an insurance broker/agent and its receipt of commissions for insurance and annuity products sold off the Schwab platform, with those commissions excluded from AUM and not combined with asset-based fees for the same product. The practice also maintains third-party strategic relationships for legal, accounting and banking services and provides managerial consulting on a fee-for-service basis, reflecting a broader scope of non‑investment offerings than is typical for similarly sized independent advisors.
Client services
Financial planning
Portfolio management
Expertise
Wealth management
General retirement planning
Income planning
Life insurance needs analysis
Fee options
Specific area financial plans with fixed fees: Retirement General Plan (Accumulation and Distribution) - $1,250; Retirement General Plan (Distribution Only) - $750; IRA Spend Down - $750; 401(k) Review & Recommendations - $1,000; Net-Worth determination & Graphics - $750; Life Insurance Needs Analysis - $625
2.00% annually or $2,000 per quarter, whichever is more
Compensation from sales of annuities and insurance related products, included in product cost, no additional fees
Managerial consulting at $250/hour; some financial planning services at $150-$250/hour
Account minimum: $1,000,000 Minimum fee: $2,000 per quarter Fee-only: Financial planning fees: $250/hour for comprehensive plans; specific area plans from $625 to $1,250; hourly rates for some services at $150-$250/hour
Main office location
Livingston & Associates, Ltd.
Wildwood MO, United States
Number of offices
1
Most active in
Livingston & Associates, Ltd. has reported serving >5 clients in these states in the last 12 months.
Missouri
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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