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After presenting information about retirement to federal employees for 25 years, I can tell you that some questions seem to come up over and over again.

This week, I thought I’d address some of those common questions by providing links to previous columns I’ve written on key subjects. I’ve divided them into three categories, based on stages of planning: early career, midcareer and preretirement.

Early Career

If you’re at this stage right now, you need to get familiar with the three elements of the Federal Employees Retirement System: the basic retirement benefit, Social Security and Thrift Savings Plan investments.

Here are some past columns that will help you understand the value of your federal retirement benefits:

Midcareer

These employees need a checkup. Their typical questions include: What happens if I leave federal service before I retire? Will I be eligible for early retirement? What if I become disabled before I’m eligible to retire? Should I pay a deposit to receive credit toward retirement for some of my previous service?

Here are some columns for this group:


Pre-Retirement

These employees are almost ready to set the date. They need to know how to cross the t’s and dot the i’s. This is the group that postpones appointments to attend preretirement seminars, then shows up early for the sessions. Often, people in this category are worried they might not have planned properly or have misinterpreted information they’ve received over the years. Here are some of the columns to help them get ready:

Deciding to Retire

Picking a Date

Getting Ready

The Index

If you’re looking  for more information on other specific topics, be sure to check out my annual index to previous columns, categorized by subject.

Tammy Flanagan has spent 30 years helping federal employees take charge of their retirement by understanding their benefits. She runs her own consulting business at www.tammyflanagan.com and provides individual counseling as well as online training for the National Active and Retired Federal Employees Association, Plan Your Federal Retirement as well as the Federal Long Term Care insurance Program. She also serves as the senior benefits director for the National Institute of Transition Planning Inc., which conducts federal retirement planning workshops and seminars.

For more retirement planning help, tune in to "For Your Benefit," presented by the National Institute of Transition Planning Inc. live on Federal News Radio on Mondays at 10 a.m. ET on WFED AM 1500 in the Washington-metro area. Archived shows are available on NITPInc.com.

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