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Where Is the Market Headed? Retiring the 4% Rule Should You Tap Retirement Savings to Fund College? Will You Pay the AMT?


Livingston Federal Employee Retirement Planning is a privately-owned, experienced company who specifically addresses and serves the financial and retirement planning needs of federal employees across the country. We work directly with federal employees by helping to explain, analyze and coordinate their unique benefits to develop and maintain an individual retirement plan. As well, we partner with government agencies and human resource departments to deliver complimentary, on-site educational retirement and financial planning seminars covering benefits and all aspects of the various federal retirement systems, including both FERS and CSRS.

Each of our advisors is a Chartered Federal Employee Benefits Consultant (ChFEBC)*, a prestigious designation earned and maintained by every Livingston Advisor. This enables you, or any federal employee, to enjoy the confidence and security that comes from working with an educated financial consultant with a thorough and current understanding of your specific government benefits. You will quickly find that our advisors are responsive, easy to work with and provide outstanding, personalized service.

On our site you can request your free benefit analysis, sign up for our newsletter, research current market and industry news, and use a financial calculator. If you are an HR representative you can schedule a seminar for your employees to attend. Start your future today. 

Helpful Content

The Cost of Procrastination

The Cost of Procrastination

Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.

What Do Your Taxes Pay For?

What Do Your Taxes Pay For?

Here's a breakdown of how the federal government spends your tax money.

Money that Buys Good Health is Never Ill Spent

Money that Buys Good Health is Never Ill Spent

It's important to make sure your retirement strategy anticipates health-care expenses.


Retirement Income and the Traditional Portfolio

Experiencing negative returns early in retirement can potentially undermine the sustainability of your assets.

Insurance Needs Assessment:When You're Married With Children

When you’re married and have children, insurance needs will be different.

Understanding Homeowner’s Insurance

Purchasing homeowners insurance is critical for protecting your home.

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Here's a breakdown of how the federal government spends your tax money.

Estate Management Checklist

Is your estate in order? This short quiz may help you assess your overall strategy.

Certain Uncertainties in Retirement

The uncertainties we face in retirement can erode our sense of confidence.

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Home Mortgage Deduction

Use this calculator to assess the potential benefits of a home mortgage deduction.

What Is My Risk Tolerance?

This questionnaire will help determine your tolerance for investment risk.

Should I Pay Off Debt or Invest?

This calculator will help determine whether you should invest funds or pay down debt.

Contributing to an IRA?

Determine if you are eligible to contribute to a traditional or Roth IRA.

Potential Income from an IRA

Estimate your monthly and annual income from various IRA types.

How Compound Interest Works

Use this calculator to better see the potential impact of compound interest on an asset.

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Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

5 Smart Investing Principles

Principles that can help create a portfolio designed to pursue investment goals.

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

Retirement Plan Distributions

There are a number of ways to withdraw money from a qualified retirement plan.

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

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The Fed and How It Got That Way

Here is a quick history of the Federal Reserve and an overview of what it does.

Rightsizing for Retirement

What does your home really cost?

The Other Sure Thing

Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared?


You’ve made investments your whole life. Work with us to help make the most of them.

The Facts About Income Tax

Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.

Charitable Giving: Smart from the Heart

Do you have causes that you want to support with donations? Here are three tips.

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