Business Details
Your Trusted Financial Planning Partner in Ashland
Livelsberger Financial Advsry is a comprehensive, independent financial planning and advisory practice with over 30 years of experience in the industry. Our firm is fee-based and registered with the Ohio Division of Securities, providing planning services to individuals and businesses across multiple states. We specialize in creating company-specific retirement plans tailored to the needs of business owners and employees, operating under a fiduciary responsibility to act in our clients' best interests. Our client-driven approach prioritizes unbiased advice, focusing on identifying financial objectives, implementing sound investment strategies, and achieving long-term financial success.We emphasize broad diversification, asset class selection using top fund managers, and passive management principles grounded in modern portfolio theory. Our commitment extends to continuous investment research and analysis, ensuring clients receive objective recommendations aligned with their unique goals, risk tolerance, and time frames. We serve both individual clients navigating life stages like retirement and education planning, as well as small to mid-sized businesses requiring pension plan consulting.
Services
Retirement Planning
Estate Planning
Tax Strategies
Wealth Preservation
Pension Consulting
Investment Advisory
College Planning
Risk Management
Highlights and features
- We operate under a fiduciary duty to act in clients' best interests at all times
- Our fee-based model aligns our interests with client portfolio performance
- 30+ years of experience guiding clients through complex financial decisions
- Customized investment strategies using rigorous asset allocation research
- Specialized expertise in retirement distribution planning and pension consulting
Services
Retirement Planning
Our retirement planning service helps clients navigate complex distribution decisions during their transition to retirement. We specialize in optimizing Social Security benefits, structuring sustainable withdrawal strategies, and creating personalized investment portfolios that balance growth potential with risk management. With expertise in 401(k), IRA, and pension plan conversions, we guide clients through the critical financial decisions that define their retirement years.
Estate Planning
We provide comprehensive estate planning solutions that ensure wealth preservation and efficient asset transfer across generations. Our approach combines tax-efficient strategies, trust structuring, and beneficiary designation guidance to protect clients' legacies. We coordinate with legal professionals to implement comprehensive plans that reflect clients' wishes while minimizing estate tax liabilities and administrative complexities.
Investment Advisory
Our investment advisory service employs evidence-based strategies grounded in modern portfolio theory. We utilize passive management principles and rigorous asset allocation research to construct diversified portfolios tailored to individual risk profiles. Through continuous market analysis and quarterly performance reviews, we maintain disciplined investment approaches that prioritize long-term capital preservation and growth.
Pension Consulting
We design customized retirement plans for small and mid-sized businesses, focusing on 401(k), profit-sharing, and tax-sheltered annuity structures. Our consulting service helps business owners create competitive employee benefits packages while optimizing tax advantages. We provide ongoing plan administration support and compliance guidance to ensure retirement programs meet evolving regulatory requirements.
Tax Strategies
Our tax planning service integrates with comprehensive financial strategies to minimize tax liabilities across all life stages. We specialize in Roth IRA conversions, tax-efficient withdrawal sequencing, and coordinated tax-advantaged investment approaches. By analyzing clients' complete financial pictures, we develop proactive strategies that enhance after-tax returns and support long-term wealth accumulation goals.
Questions
What makes Livelsberger Financial Advisory different from other financial advisors?
We operate as a fiduciary with a fee-based model that aligns our interests with client success, offering unbiased advice without product commissions.
Do you work with clients outside of Ohio?
Yes, we serve clients in multiple U.S. states through our registered investment advisory practice.
How do you approach investment portfolio management?
We use passive management principles, rigorous asset allocation research, and broad diversification strategies grounded in modern portfolio theory.
What retirement planning services do you offer?
We provide comprehensive retirement planning including Social Security optimization, distribution strategies, and personalized portfolio construction for sustainable income.
How do you help business owners with employee retirement plans?
We design customized pension solutions including 401(k), profit-sharing, and tax-sheltered annuity plans tailored to business needs.
What experience does your firm have?
Our advisors have over 30 years of combined experience in financial planning and investment management, serving clients through multiple market cycles.
