AUTHOR ARCHIVES

Tammy Flanagan

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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The Saving of the Green

March 16, 2017 When my husband and I lived in Northern Virginia, he always wanted to to see green grass by March 17. That might be because our last name is Flanagan, or just that he takes great pride in maintaining our yard — probably a little of both. (It’s a good thing...

Should You Use Your Retirement Savings to Buy a House?

March 9, 2017 Last week we talked about ways to assess whether or not to leave your money in your Thrift Savings Plan account in retirement. One specific question along these lines that comes up often at retirement seminars is “Does it make sense to withdraw a large lump sum from my TSP...

TSP Withdrawal Tips

March 2, 2017 Did you know that almost as many people transfer their money out of the Thrift Savings Plan when they leave federal service as leave it in? The Federal Retirement Thrift Investment Board has reported that in 2016, close to $2.5 billion was taken out of the TSP in the form...

Delayed Retirement: Benefits and TSP Considerations

February 23, 2017 In last week’s column, we began to explore some of the issues to consider for employees who continue to work past age 65 and delay their retirement. A recent MetLife Mature Market Institute research study, Engaging the 21st Century Multigenerational Workforce, reported that older workers are more likely to have...

Planning for a Delayed Retirement

February 16, 2017 According to the 17th Annual Transamerica Retirement Survey, workers’ expectations regarding when they will retire have shifted dramatically from an earlier era, when most people expected to retire at age 65, the original full retirement age for Social Security. According to the Office of Personnel Management, the average retirement age...

Don't Make These Common Mistakes

February 9, 2017 I don’t take lightly the trust that I’ve earned from federal employees and retirees when providing information about federal retirement benefits. I received a well-deserved storm of criticism for careless errors initially included in my column last week (they’ve been corrected). It reminded me of the old adage “measure twice...

Pay Raise Considerations

February 2, 2017 On Dec. 27, 2016, President Obama signed into law the 2017 pay increase for federal employees who are paid under the General Schedule, Foreign Service Schedule, and other pay systems for executive, legislative and judicial branch employees. You can find the new pay charts at the Office of Personnel Management’s...

Annual Benefit Adjustments

January 26, 2017 At the beginning of each year, certain automatic increases to federal employee and retiree benefits go into effect. Many of the increases take place under established formulas and are driven by indexes such as the rate of inflation or the increase in average wages in the United States. Here is...

So You Want to Retire Overseas

January 19, 2017 The inspiration for this week’s column has nothing to do with this week’s presidential inauguration. Rather, it came from a recent email from a federal employee who is married to a German citizen and plans to spend much of her time as a resident of Germany. She will join thousands...

The Index: 2017 Edition

January 12, 2017 It is has been my honor and pleasure since 2006 to write this weekly column. From the beginning, I hoped that these columns would be archived so that they would form a cumulative resource to help federal employees plan for retirement at every stage of their careers. Below is my...

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