Q: I read your column about getting expert advice on financial planning for retirement from someone who will not have a conflict of interest. I am planning on retiring from the Civil Service Retirement System in February after 40 years of service and suddenly realize I need some help. I will also be rehired as an annuitant and will have another income stream for at least another year. Can you provide help or at least a recommendation to whom to contact? A: You can contact me through my Web site at http://www.variplan.com or at mmiles@variplan.com.