WHAT DO I DO NOW?
This is a question that many people are asking whether they are retiring, changing jobs, or going through a major change in their family (i.e. marriage, divorce, children, grandchildren, death of loved one, etc.).  Answering this question can be a daunting task, and we at Livingston Financial Group (LFG) believe that we can help you find the right answer to the question, "What do I do now?".  We will walk you through the process of making major financial decisions during the transitions in your life.

For over 20 years Livingston Financial Group has been a family firm that specializes in integrating our investment knowlege with your specific needs and concerns.  At the core of every strategy is our fundamental belief in helping you protect your hard earned money while seeking to provide a wide array of investment opportunities. 

At LFG we feel people should be aware of how their money is working. We encourage our clients to meet with us as often as necessary, at no cost, to develop and maintain a financial strategy that is specific to their needs. In an effort to achieve their individual goals, we offer a broad range of financial and insurance services. So, whether you need to create a financial portfolio or just want a second opinion…we can help!  Click here to contact us.

Based in Westminster, Maryland, we serve the greater Baltimore metropolitan area and South Central Pennsylvania.
Calculators

College Funding

Use this calculator to estimate the cost of your child’s education, based on the variables you input.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Impact of Inflation

Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

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Newsletters

Variable Annuities and Your Retirement Strategy

An insurance product may appeal to pre-retirees who want to invest more of their current incomes for retirement and defer taxes on market gains. A variable annuity enables investors to pursue investment gains with the option to purchase guarantees (for an additional cost) to help protect against the downside risks of investing in the markets.

The Difference Between the Debt and the Deficit

The terms "debt" and "deficit" are often used interchangeably to describe the federal government's financial situation, yet they have significantly different meanings. This explanation of the budget deficit and the national debt may help readers understand the conversation.

HOT TOPIC: Debating the Debt Ceiling

There has been substantial debate in Congress over raising the ceiling on the national debt. Although many Americans could be adversely affected if Congress decided not to increase the debt ceiling, this is unlikely to happen.

Keeping Pace with Social Security

In 2012, Social Security beneficiaries will receive a 3.6% cost of living increase for the first time in three years. But a recent study suggests that benefits are lagging far behind real expenses. This article explains how Social Security benefits are indexed and what older workers and retirees might expect from the program in the future.

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