Livingston Financial Planning

Livingston Financial Planning

Livingston Financial Planning is a wealth management practice based in Santa Rosa Beach, Florida. The firm advises individuals, high-net-worth investors, trusts, and businesses, with a service model centered on comprehensive financial planning, retirement projections, and asset allocation. Its location along the Florida Panhandle positions it to serve a mix of local professionals, retirees, and second-home owners drawn to the Emerald Coast. The firm's investment advisory services wrap around a planning-first philosophy — retirement income modeling, tax-aware asset location, and risk-appropriate portfolio construction. Asset classes typically accessed through such advisory platforms include US equity and fixed-income ETFs, mutual funds, and separately managed accounts. Without public filings or a disclosed alternatives program, the firm likely constructs globally diversified, factor-aware portfolios using third-party strategist or TAMP resources rather than direct co-investments or internal fund structures. Its investment committee or lead advisor would execute trades through a custodian such as Charles Schwab or Fidelity, standard for independent RIAs of this profile. As a boutique practice, Livingston Financial Planning's scale is modest — likely a team of fewer than ten professionals managing client assets in the low hundreds of millions. No additional offices, adjacent philanthropic foundations, or operating businesses have been disclosed by the firm. Without publicly reported AUM, professional headcount, or a named managing principal on record, the firm's operational footprint remains opaque. The structural differentiator for a firm of this type is its fiduciary, planning-led model — charging fees directly to clients rather than earning commissions on product sales. For families along Highway 30A, that means advice untethered from a bank balance sheet or a proprietary fund shelf. The firm's independence, assuming it holds no broker-dealer affiliation, is its architecture: a flat advisory team capable of moving with a client through accumulation, distribution, and estate transfer without institutional bureaucracy.