Livingston Financial Planning, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
Fee options
$285 per hour effective April 1, 2025; $1,500 minimum for hourly engagements
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
See office2050 W County Hwy 30 A, M1 Unit 230
Santa Rosa Beach FL 32459
Advisors at this office
1
Offices (2)
Most active in
Florida · Georgia · Texas
Also doing business as
Bs Management · George Mayo Livingston Iii · Livingston Financial Network,Inc. · Livingston Financial Planning, Inc.
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Advisors at this firm
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.
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.
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