Livingston Financial Planning, Inc.

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.