Livingston Financial Planning

Financial Planning Consultants, Annuities & Retirement Insurance Plans, Financial Planners

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Today: 9:00 am - 4:00 pm

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22 Years

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(850) 267-1068Call Visit WebsiteVisit Website Map & DirectionsDirections2050 W County Highway 30a Bldg M-1Santa Rosa Beach, FL 32459 Write a ReviewWrite Review

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Hours

Regular Hours

Mon - Fri:	9:00 am - 4:00 pm

Places Near Santa Rosa Beach with Financial Planning Consultants

Grayton Beach (3 miles)
Watercolor (6 miles)
Seaside (6 miles)
Seagrove Beach (7 miles)

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TollFree: (866) 889-0480

Other Links

http://www.livingstonfinancial.net

https://livingstonfinancial.net

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Financial Planning Consultants, Annuities & Retirement Insurance Plans, Financial Planners, Investment Advisory Service, Investment Management, Investments, Mutual Funds, Stock & Bond Brokers

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Details

Phone: (850) 267-1068

Address: 2050 W County Highway 30a Bldg M-1, Santa Rosa Beach, FL 32459

Website: http://www.livingstonfinancial.net

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Livingston Financial Planning

Investment Management
These plans can be part of an investment management agreement or a stand-alone plan for a self-directed investor. Comprehensive financial plans generally run from $1400 to $1600 depending on complexity.
Mutual Funds
The best way to screen mutual funds is by annual expenses. Morningstar found “investors should make expense ratios a primary test in fund selection. They are still the most dependable predictor of performance”.
Bonds
Money Market Funds
Any funds needed in less than two to three years should be invested only in money market funds, savings accounts, Treasury Bills, short term bond funds or cash. An emergency fund should be a top priority and you should keep at least three months of essential living costs in it.

Financial Planning
He is a proud University of Georgia graduate (BS in Agriculture,1978) and passed the distinctive CERTIFIED FINANCIAL PLANNER™ examination in 2003. Buz holds a Certificate in Financial Planning from the College for Financial Planning. He is a Registered Investment Advisor in both Florida and Georgia.
Annuities
We manage money on a retainer basis ($800 per quarter 2014 minimum) or an hourly basis for smaller accounts (less than $500,000). We feel assets under management billing model (AUM) presents unavoidable conflicts of interest. Paying off a mortgage or using investment assets for real estate investments are two examples. Immediate annuities will provide lifetime income but AUM compensated advisors routinely dismiss them. Particularly troublesome is the growing trend of charging AUM fees on defined contribution plan assets. Some AUM managers encourage clients to take Social Security early to minimize withdrawals from investment assets. Our retainer/hourly model runs circles around Class A and Class C shares also.
Asset Management
I am sure there are some people who successfully time the market but I am also sure they are rare birds indeed. Market timing is not simply a Wall Street gimmick. Locals call it “tactical asset allocation”.
College Funding

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