Livingston Financial Planning, Inc.
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Livingston Financial Planning serves individual investors — including both high-net-worth and non‑HNW clients — and is available to assist trusts, estates, charitable organizations, and small businesses. The firm provides fee-only financial planning and consultation (including workshops and limited-scope “mini-plans”) as well as investment management and portfolio advice.
Its investment approach emphasizes a long-term, buy‑and‑hold strategy informed by Modern Portfolio Theory, diversified allocations to low‑cost index funds, ETFs and investment‑grade bonds, and periodic rebalancing. The firm operates primarily on a non‑discretionary basis, so clients must approve trade decisions, and the adviser also provides advice on substantial assets held outside firm custody (the brochure notes advice was provided on over $30 million in externally held accounts).
Distinctive features include that nearly all reported AUM is managed non‑discretionarily and the firm does not use a percentage‑of‑AUM fee model, instead relying on hourly, retainer, and fixed planning fees. The firm is small (two advisers and about 15 clients), recently experienced a material ownership change in 2026, and commonly recommends a specific custodian platform that provides the firm with certain operational benefits — factors a prospective client may want to consider when evaluating potential conflicts of interest.
Client services
Expertise
Occupation focus
Fee options
$325 per hour with a 2-hour minimum
Retainer fees on a case-by-case basis, typically fixed quarterly fees ranging from $1,500 to $9,950
Fee-only: Hourly planning engagements at $325 per hour with a 2-hour minimum; Fixed retainer fees ranging from $1,500 to $9,950 quarterly, negotiable; Deposits up to $750 for hourly engagements and up to $2,000 onboarding deposits may be required
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 III is a CFP® with 23 years of industry experience and has been with Livingston Financial Planning, Inc. since 2002. He holds a Series 65 license and manages a timberland and farmland business in Decatur County, Georgia, which is unrelated to his advisory work. Livingston Financial Planning serves individual investors, trusts, estates, charitable organizations, and small businesses, offering fee-only financial planning and investment management. The firm employs a long-term, buy-and-hold investment approach focused on diversified, low-cost index funds, ETFs, and investment-grade bonds, operating primarily on a non-discretionary basis.
James L
Series 65
Atlanta, GA
Livingston Financial Planning, Inc.
James Livingston is a financial advisor with Livingston Financial Planning, Inc. in Atlanta, GA. He holds a Series 65 designation and has two years of industry experience. Prior to joining Livingston Financial Planning, he worked at Alpha Financial Management Consultants and Accenture. Livingston Financial Planning serves individual investors, trusts, estates, charitable organizations, and small businesses, offering fee-only financial planning and investment management. The firm employs a long-term, buy-and-hold investment approach focused on diversified low-cost index funds, ETFs, and bonds, primarily managing assets on a non-discretionary basis.
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