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 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

Results 101-110 of 534

Providing For Each Other

October 23, 2014 In last week’s column, we looked at the critically important question of whether to take a reduced retirement benefit to provide a survivor annuity. This week, I’d like to explore a more specific scenario based on an e-mail I recently received about a situation involving two married federal employees. Kat...

The Most Important Retirement Decision

October 16, 2014 It’s the time of year again, when federal employees who are planning an end-of-year retirement begin to ask themselves a series of questions: What exact date should I choose? Should I downsize my living space? Should I move to a warmer climate? Should I enroll in Medicare Part B? These...

Making the Most of Your Money After You Retire

October 9, 2014 We all know what it means to accumulate assets for retirement. That’s what you are (hopefully) doing in the Thrift Savings Plan and other savings plans while you continue to work. But have you given much thought to what you will do with this money after you move from employment...

Become a TSP Wizard

October 2, 2014 Did you know that the Thrift Savings Plan has wizards? If you haven’t borrowed from the TSP or applied for a withdrawal of funds, you might not know about these tools, which can help you navigate complex loan application and withdrawal request forms. There are four different wizards to choose...

5 Things You Can Change After You Retire

September 25, 2014 There are many things about retiring from federal service that are considered irrevocable, permanent and “one-time only.” This kind of language can make people nervous about the transition from employee to annuitant. But there are several things you can -- and often need to -- change after you retire. Here’s...

Ready, Set, Go

September 18, 2014 In my recent pre-retirement seminars, I have met many employees who have their sights set on retiring near the end of the 2014 leave year (1/10/2015). As usual, the end of the year is a popular time to retire for employees who wish to cash in a big lump sum...

How to Pick a Financial Adviser

September 11, 2014 One of the questions I get asked over and over at my seminars is: “How do I find a financial adviser who I can trust and who understands federal retirement benefits?” Sometimes, I get mistaken for such an adviser, since I talk about financial issues in the context of discussing...

Retired and Rehired

September 4, 2014 The new phased retirement option has been getting lots of attention lately, but there are other options for continuing to work for government after retirement that have been around a lot longer. In fact, there are three of them. Personal Services Contractor The first involves an agreement between a retiree...

Phased Retirement: Case Studies

August 28, 2014 With all the news lately about the upcoming phased retirement option for federal employees, many people are considering whether it makes sense for them. To help clarify the issues at stake, let’s look at a couple of case studies, one for an employee under the Federal Employees Retirement System and...

A Phased Retirement Q&A

August 21, 2014 Clearly, a lot of federal employees are interested in the idea of stepping gently into retirement using the new phased retirement option being unveiled this fall. I’ve received quite a few questions from employees about how phased retirement will work. The answers to some of them will have to wait...

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