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David L. Brown & Associates is an independent insurance firm

based in St. Charles, Missouri.


Since 2005, the founder and president of, David L. Brown has specialized in helping individuals and their families meet unique challenges in many different areas:

  • Retirement Income Planning

  • Long Term Care Crisis / Asset Protection Planning

  • Specialized Medicare Planning


Other services include: Veteran Aid & Attendance, Life Insurance, Annuities, IRA Rollover

We appreciate you taking the time to explore our site and learn more about what we do. Whether you are an existing client or just browsing, our hope is that you find our site helpful and informative. If you have specific questions about how we might be able to help your specific situation, please click here.











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David L. Brown - President & Founder

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David L. Brown is a senior advisor focused in the areas of Medicare, retirement, estate & crisis planning. Dave advises individuals of all ages in planning for their retirement. He is uniquely effective in building working relationships between individuals and their families and elder law attorneys to assist them in avoiding a health care crisis. Dave is particularly sensitive to helping provide the means for his clients to maintain their independence and dignity when a change in their health occurs due to the natural aging process.

Dave is recognized as one of the most knowledgeable insurance executives and understands the importance of coordinating a legally defined detailed approach to Medicaid spend-down. He is often consulted to provide expertise in the area of Medicaid planning. He is sought out as an authority in addressing Medicaid issues specific to each client's needs. To this end, Dave works with several elder law attorneys in helping clients work through these difficult times and provides solutions to preserve personal assets.
Additionally, Dave certified with Dementia Society of America and is an authority on assisting veterans and their spouses to obtain a tax-free benefit allowing them to access and receive tax-free money available for their use toward, home care, assisting living, and skilled nursing care.
Dave lives in Weldon Springs, Missouri with his wife Judy. They have two sons: Steven, who is married and lives in St. Peters, Missouri and Ryan, a graduate with a degree in Finance from Lindenwood University and is now a firefighter and paramedic in St. Charles, Missouri.

Steven Brown - Licensed Insurance Agent

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Steven Brown is a licensed insurance agent with David L. Brown & Associates in St. Charles, Missouri. Focused on areas of Medicare, retirement, estate and crisis planning. Steven was in sales management for five years, and food service management for five years.
While at Francis Howell High School Steven was a member of golf team and an active member of Future Business Leaders of America. Steven graduated from Francis Howell High School in 2002, and attended St. Charles Community college for two years on the A+ scholarship.
Steven lives in St. Peters, Missouri with his wife Erin. They have been married for 12 years and have a son named Logan who is 11 years old and active in baseball and bowling.

About Us

Educational Workshops

David L. Brown & Associates is proud to present a variety of educational workshops available to those interested in learning more about Retirement Income Planning and/or Long Term Care / Asset Protection Planning.

Our workshops cover various topics of interest and are ongoing throughout the year. Keep an eye out for updates on our next educational workshop.

If you'd like to attend an upcoming workshop, complete the form below or call us at 636-219-2508

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David L. Brown & Associates

David L. Brown - 636-219-2508

Steven W. Brown - 636-219-5860

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