Livingston & Associates, Ltd.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
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
Wildwood MO
Advisors at this office
1
Most active in
Missouri
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
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. Advisors are independent and may not have reviewed or updated this information. Please review an advisor’s Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and introductions are provided by FinanceHQ LLC (“FHQ”), a wholly-owned subsidiary of Warmer and an SEC-registered investment advisor. We receive compensation from certain participating advisors for introductions or referrals. This creates a conflict of interest because we have an incentive to recommend advisors who compensate us, including those who pay us more. You pay no fee to use our matching service, and advisor fees are not increased because of a referral or introduction. We do not review the ongoing performance of advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to our Terms of Service and Advisory Agreement, and acknowledge our Privacy Policy. Please review FHQ’s ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. (“Warmer”)