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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?

WHO WE ARE

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

Your DNA Test

Your DNA Test

If you have a family that relies on your income, it’s critical to know what their needs would be in the event of your death.

Your Changing Definition of Risk in Retirement

Your Changing Definition of Risk in Retirement

A change in your mindset during retirement may drive changes to your portfolio.

Important Birthdays Over 50

Important Birthdays Over 50

Here's a look at several birthdays and “half-birthdays” that have implications regarding your retirement income.

 

Assess Life Insurance Needs

How to help determine life insurance needs to provide for your family after you pass away.

Required Reading: The Economic Report of the President

The Economic Report of the President can help identify the forces driving—or dragging—the economy.

How Income Taxes Work

A quick look at how federal income taxes work.

How Does Your Credit Score Compare?

Have you ever wondered how your credit score compares to the rest of the country? Take a look and see.

What to Look for in Personal Finance Apps

An increasing number have been developed to help individuals with their personal finances.

Is a SEP-IRA Right for Your Business?

For some, the idea of establishing a retirement strategy evokes worries about complicated reporting and administration.

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My Retirement Savings

Estimate how long your retirement savings may last using various monthly cash flow rates.

Capital Gains Tax Estimator

Use this calculator to estimate your income tax liability, along with average and marginal tax rates.

Social Security Taxes

Estimate how much of your Social Security benefit may be considered taxable.

Taxable vs. Tax-Deferred Savings

Use this calculator to compare the future value of investments with different tax consequences.

Lifetime of Earnings

Estimate how much you have the potential to earn during your working years.

How Compound Interest Works

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

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Long-Term-Care Protection Strategies

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

Your Cash Flow Statement

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

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

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.

Protecting Those Who Matter Most

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

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Do You Feel Lucky?

Recent changes in estate tax laws could affect the strategy you have in place.

Perception vs. Reality

There’s an alarming difference between perception and reality for current and future retirees.

Interest Rates: How Low Can They Go?

The question used to be how low can interest rates go. Now it's how long can rates remain at their historic low levels?

The Other Sure Thing

Though we don’t like to think about it, all of us will make an exit sometime, and those we love may suffer if we are not prepared.

Rightsizing for Retirement

What does your home really cost?

Should You Tap Retirement Savings to Fund College?

Three things to consider before dipping into retirement savings to pay for college.

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