Livelhood LLC

Livelihood LLC provides fee-only, advice-only financial planning and educational services to individuals, business owners, and families, and may accept institutional engagements at its discretion. The firm expressly does not manage client investment accounts, does not take custody of client assets, and does not act as a portfolio manager.

When advising on investments, Livelihood generally favors long-term, globally diversified approaches—emphasizing passive indexed strategies alongside core-and-satellite and occasional active allocations—while focusing on tax-efficiency and low-cost vehicles; the firm’s role is limited to recommendation and coaching, with implementation left to the client or a chosen custodian. Its planning work covers cashflow and savings, debt strategies, retirement and education projections, insurance and risk management, employee benefits, estate planning, and student loan planning, and it recommends socially conscious options when requested.

Notably, Livelihood offers public and employer-sponsored educational seminars and workshops and bills clients on an hourly or fixed-project basis rather than using percentage-of-assets-under-management fees, practices that are uncommon among firms in its category. The firm is a small, two-partner practice staffed by CFP-level professionals with public-service and student-loan planning backgrounds, which the brochure highlights as part of its advisory focus.