AUTHOR ARCHIVES

Tammy Flanagan

Tammy Flanagan is the senior benefits director for the National Institute of Transition Planning Inc., which conducts federal retirement planning workshops and seminars. She has spent 25 years helping federal employees take charge of their retirement by understanding their benefits.

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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Retirement Resources

March 1, 2013 If you are planning to retire between today and June 30 (which is one of the best dates to retire if you’re under the Federal Employees Retirement System) or July 3 (an optimum day for those under the Civil Service Retirement System), then it is time to begin to figure ...

What You Need to Know During a Furlough

February 22, 2013 For some (though not all) federal employees, the threat of furloughs as a result of looming budget sequestration is real, and agencies are beginning to prepare for the possibility. Here are some things you should be aware of and resources you might want to have at your disposal if the ...

Give the Gift of Cash

February 15, 2013 According to Giving USA, Americans gave almost $300 billion to their favorite causes in 2011. Charitable bequests by individuals totaled more than $24 billion, which represented 8 percent of the total. In my experience, the topic of charitable giving rarely comes up at federal retirement planning seminars. So why talk ...

A Tax To-Do List

February 8, 2013 Last week, I wrote about things new retirees need to be aware of as they make the transition into this new phase of life. This week, I want to focus on tax issues, and for that I’ve called on my associate, Bob Leins, CPA, for help. But before I get ...

A New Retiree’s To-Do List

February 1, 2013 Don’t you hate it when you get an email or other correspondence that starts out, “This is a friendly reminder…”? It usually means you’re close to your credit limit or your payment hasn’t arrived on time. If you are a recent retiree, you may wish you could send the Office ...

More on the FERS Supplement

January 25, 2013 Last week, I wrote about the Federal Employees Retirement System Annuity Supplement. Some people refer to this benefit as the Social Security supplement rather than the FERS supplement, since the purpose of this benefit is to bridge the time between employees’ retirement under FERS and their eligibility for Social Security ...

A Little Extra Under FERS

January 18, 2013 Almost half of all employees who retire under the Federal Employees Retirement System are entitled to receive the FERS Supplement. The supplement is a temporary boost to the basic retirement benefit designed to take the place of the Social Security tier of FERS when an employee retires at an age ...

The Index: 2013 Edition

January 11, 2013 Another year has come and gone. As my mother used to say, “The older you get, the faster time goes.” I celebrated my 55th birthday on Jan. 1 -- which would have marked my first eligibility for retirement under CSRS with 33 years of service, since I was hired on ...

A Look Ahead

January 4, 2013 In my last column, I took a look back at changes in the federal retirement world in 2012. This week, let’s take a look ahead at what has already changed for 2013, and what other developments might be on the horizon. COLAs Civil Service Retirement System retirees (including survivor annuitants), ...

A Look Back

December 21, 2012 With all of this talk of cliffs and cuts and chains, it’s no wonder some federal employees are beginning to panic. While it’s still not clear what changes might come in the federal retirement world in 2013 as Congress and the White House seek to seal a deficit reduction deal, ...