Livelsberger Financial Advisory (known as“LFA”) is an Ohio Division of Securities state registered investment adviser located in Ashland, Ohio.  LFA and its representatives are in compliance with the current filing requirements imposed upon state registered investment advisers by those states in which LFA maintains existing clients.  LFA may only transact business in those states in which it is registered, or it qualifies for an exemption or exclusion from registration requirements.  LFA’s website is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links.  Accordingly, the publication of LFA’s website on the Internet should not be construed by any consumer and/or prospective client as LFA’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  Any subsequent, direct communication by LFA with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state in which the prospective client resides.  For information pertaining to the registration status of LFA, please contact the SEC (Securities & Exchange Commission) or the state securities regulators for those states in which LFA maintains a notice filing.  A copy of LFA’s current written disclosure statement discussing LFA’s business operations, services, and fees is available from LFA upon written request.

LFA does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to LFA’s website or incorporated herein, and takes no responsibility therefor.  All such information is strictly provided for convenience purposes only and all users thereof should be guided accordingly.

Please Note:  Different types of investments involve varying degrees of risk, and there can be
no assurance that the future performance of any specific investment or investment strategy(including those undertaken or recommended by LFA), will be profitable or equal any historical performance level(s).

Certain portions of LFA’s website (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, LFA’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date.  Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s).  Furthermore, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from LFA, or from any other investment professional.  LFA is neither an attorney nor an accountant, and no portion of the website content should be interpreted as legal, accounting, or tax advice.

Each client and prospective client agrees, as a condition, precedent to his/her/its access to LFA’s website, to release and hold harmless LFA, its officers, directors, owners, employees, and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from LFA.


  1. Livelsberger Financial Advisory is registered with the SEC as a Registered Investment Advisory.
  2. We offer investment advisory services to the public, including individual and family financial planning, retirement planning, college planning, estate planning assistance and risk management advice.

Included in these areas are investment recommendations and annual investment monitoring.

We meet annually with our financial planning clients and money management clients to review their planning goals and investment strategies.

In discussion at the time, any changes could be made now or in the future.

At the client annual reviews, investments are reviewed, and any potential changes are discussed. Our clients currently give us an overall review of their situational update and instruct or authorize us to make investment changes for the following 12-month period.

At Livelsberger Financial Advisory, at our first client meeting we discuss goals and needs to determine if our services can be of value to an individual. If not, w will not engage. Portfolio design is based upon needs, goals, time factors and risk tolerance. Investment selection is based upon a fiduciary analysis of different asset classes to identify the top mutual fund managers in each category. This analysis is an on-going process. Upon these selections, a portfolio is created and investments are overall monitored. Experience is over 40 years in the financial service industry. Licenses include a Series 65, and various insurance licenses.

FEE STRUCTURE: Our basic fee structure is 1% of the total assets under management or a $75 per hour fee. These previously stated fees are not including the first year’s analysis and administration required to set up planning. Since the first year in planning involves fact finding and gathering information, we could charge up to 2% during the first year. The fee is determined by the amount of time and work involved. Any additional new planning issues might create additional fees, over the standard 1%. Note: The 1% fee includes investment management and a financial planning service. We do not do wrap fees.

Recognize the larger the accounts, the larger the fee since it is based on assets under management. The 1% onset fee number is determined at each annual
review for the following 12-month period. Fees are paid and costs exist no matter if the account value goes up or down.

LEGAL OBLIGATIONS AND POSSIBLE CONFLICTS: When we act as your investment (financial) advisor, we act in a fiduciary capacity. Fiduciary capacity means we act objective, meaning we act always in your best interest regarding all financial matters. The closest conflict potential arises in the planning are of risk management. There are times we could recommend a Life Insurance product or a Medicare Supplement product. Our clients are under no obligation to purchase a product through us. In regard to risk management, we will still maintain our fiduciary role with all clients. We will analyze to find the best and cost-effective product to fit the planning need. We will get paid a commission from a said insurance company, but that will not be a factor in the selection of the product.

In regard to disciplinary history recommendations, Livelsberger Financial Advisory does not have any legal or disciplinary history.

PLEASE NOTE: Our Regulatory Form ADV Part 2A, which is updated and filed at the beginning of each fiscal year and contains more in-depth materials. If you have questions about the contents of the brochure, please contact us at (419)289-7165 or at info@livelsbergerfinancial.com.