Are you looking for someone to help you learn?
Financial planners, coaches and investment advisors vary greatly. I focus on helping you learn, rather than ‘taking over’ or putting you into a forced structure.
About Dr Jay Zigmont, CFP®
My mission in life is to help people to learn how to live their best life and achieve financial freedom.
As many others, I grew up in a home where we were always struggling to make ends meet. My parents worked hard but yet it seemed to always be feast or famine in the house. It wasn’t because we did anything wrong, it was just the only thing we knew to do. If we wanted more, we had to work more. We worked hard for our money, and it was gone just as fast at it came in.
Decades later, I learned how debt can ruin your life, and that there was a way to make your money work for you. Now my wife and I live debt free, have investments, and live a life of financial freedom that is a luxury to most.
Now I’m on a mission to help others.
I’ve spent my life learning about how to help people learn better. I have a PhD in Adult Learning from the University of Connecticut. That is just a fancy way of saying that I have worked hard to become an expert in both learning and how to help others learn. I have used those skills to coach both individuals and businesses over the past decade. Depending on what is needed, I’m a life coach, executive coach, financial coach and/or whatever the learner needs.
I am also a CERTIFIED FINANCIAL PLANNER™. Becoming a CFP® professional is a rigorous process that includes four Es: Education (minimum of a Bachelors Degree), Experience (minimum of 6000 hours), Examination and Ethics. The result is that I have broad training in the areas of Comprehensive Financial Planning: Financial Planning, Insurance Planning & Risk Management, Investment Planning, Tax Planning, Retirement Planning & Employee Benefits, and Estate Planning.
Being a CFP® professional also means I am held to a Fiduciary Standard. The Fiduciary Standard means I MUST put your financial interests ahead of my own. To this end, I am also an Advice-Only and Fee-Only CFP® Professional. Fee-Only means the only way I get paid is from you. I don’t get commissions from anyone or any incentives to sell you products. That means if I make a recommendation it is because I believe it is best for you, not for me. Advice-Only means you pay me for my time and advice, I help you learn, and you manage your own finances (including investing).
About Live, Learn, Plan
Live, Learn, Plan, LLC (LLP) is a Registered Investment Advisor in Mississippi, serving customers across the US. LLP is a Fee-Only, Fiduciary Financial Planning firm, and only charges for time (no AUM fee or minimum assets). LLP is designed to make financial planning accessible for everyone. LLP only charges for time, and follows a passive investment strategy. That means we don’t try to impress you with fancy tools, but rather focus on investments you can understand and manage yourself.
Live, Learn, Plan is designed around three concepts:
Live – We need to live our best life. At times we may need to make sacrifices, but only if it improves our life in the long run (has a return on investment).
Learn – We need to be constantly learning how to improve. Learning means we are making measurable changes and seeing progress.
Plan – We need to plan for both our current life and our future. The only way to be safe in the future is to have a plan and execute it well.
Live, Learn, Plan, LLC (“Live, Learn, Plan”) is a registered investment advisor offering advisory services in the State(s) of Mississippi and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by Live, Learn, Plan in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.
All written content on this site is for information purposes only. Opinions expressed herein are solely those of Live, Learn, Plan, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to other parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.