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Livingston Financial Planning, Inc.

Updated today

Client assets under management

$11,687,305

Clients

15

27% high-net-worth

Advisors

2

of 2 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

8

Very Low

Average account size

$779,154

About

Livingston Financial Planning, Inc. is a fee-only registered investment adviser that serves individual and high‑net‑worth clients and also works with trusts, estates, charitable organizations, and businesses. The firm offers comprehensive and limited‑scope financial planning and consultation, educational workshops, and investment management services delivered on an hourly or retainer basis.

The firm follows a long‑term, buy‑and‑hold approach grounded in Modern Portfolio Theory, prioritizing diversified allocations to low‑cost index funds, ETFs, and investment‑grade fixed income while employing periodic rebalancing and tax‑aware trade considerations. Investment management is implemented under non‑discretionary account agreements and through investment policy statements, so clients retain final approval for trade execution and portfolio changes.

Distinctive features include a largely non‑discretionary asset base—$11,687,305 managed under non‑discretionary agreements as of December 31, 2025—and advisory work on over $30 million of client assets held away at other custodians, which the firm advises but does not custody. Unlike most peers, Livingston generally does not use percentage‑of‑AUM pricing and instead relies on hourly and retainer fee arrangements and limited‑scope “mini‑plan” engagements; the firm also routinely coordinates implementation with external custodians and other professional advisors.

Client services

Financial planning Portfolio management

Expertise

General retirement planning General tax planning Passive / index investing Cash flow / budgeting

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Fee options

Project-based

$285 per hour effective April 1, 2025; $1,500 minimum for hourly engagements

Other

Account minimum: $1,500 minimum for hourly engagements Minimum fee: $1,500 minimum for hourly engagements Fee-only: Hourly rate of $285/hour effective April 1, 2025; retainer fees determined case-by-case based on scope and complexity

Main office location

Livingston Financial Planning, Inc.

2050 W County Hwy 30 A, M1 Unit 230

Santa Rosa Beach FL 32459, United States

Number of offices

2

Most active in

Florida · Georgia · Texas

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

George L

CFP®, Series 65

Santa Rosa Beach, FL

Livingston Financial Planning, Inc.

George Livingston is a CFP® and Series 65 designated advisor with 22 years of industry experience. He has been with Livingston Financial Planning, Inc. since 2002. Outside of financial advising, he manages timberland and farmland in Decatur County, Georgia, overseeing timber production and farm rental activities. Livingston Financial Planning, Inc. is a fee-only registered investment adviser serving individual and high-net-worth clients, as well as trusts, estates, charitable organizations, and businesses. The firm employs a long-term, buy-and-hold investment approach focused on diversified allocations to low-cost index funds, ETFs, and investment-grade fixed income, with investment management conducted on a largely non-discretionary basis under client-approved agreements.

General retirement planning General tax planning Passive / index investing Cash flow / budgeting
user avatar

James L

Series 65

Atlanta, GA

Livingston Financial Planning, Inc.

James Livingston is a financial advisor at Livingston Financial Planning, Inc. in Atlanta, GA, holding a Series 65 designation with one year of industry experience. Prior to his current role, he worked at Alpha Financial Management Consultants and Accenture. Livingston Financial Planning, Inc. is a fee-only registered investment adviser serving individual and high-net-worth clients, as well as trusts, estates, charitable organizations, and businesses. The firm provides comprehensive and limited-scope financial planning, educational workshops, and investment management services, using a long-term, buy-and-hold approach focused on diversified allocations to low-cost index funds, ETFs, and investment-grade fixed income.

General retirement planning General tax planning Passive / index investing Cash flow / budgeting
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