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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Pop Quiz

September 10, 2010 Since it's back-to-school time, I thought it would be fun to have a pop quiz to test your retirement planning knowledge. These questions and answers are taken from my pre-retirement seminars. Beware, some of the wrong answers are things many employees actually believe to be true. 1. Who will determine ...

Understanding CSRS Offset

September 3, 2010 Last week's column about the best time to apply for Social Security prompted some comments and questions from employees who are covered under the Civil Service Retirement System Offset. CSRS Offset is a version of CSRS established for employees who completed at least five years of civilian federal service creditable ...

The Magic Number

August 27, 2010 This week I received what appeared to be a simple question: At what age should I apply for Social Security to get the maximum benefit? Actually, this is a loaded question. Before I can begin to answer, I have to ask more questions such as: Are you still working? If ...

The Next Adventure

August 20, 2010 When should you retire? For some people, the answer is simple: Get out the day you're eligible. Others stay long beyond their eligibility because they like their work and the routine they have established. Many folks I talk to want to be sure the kids are out of the house ...

At Your Service

August 13, 2010 A few weeks ago, in a column titled "Before Your Time," I wrote about federal employees who have reached the age when they could retire, but might not have as much service under their belts as they'd like. The column attracted quite a few questions from readers, so I thought ...

Checks and Balances

August 6, 2010 A recent story by David Evans of Bloomberg Markets magazine, "Fallen Soldiers' Families Denied Cash as Insurers Profit," has drawn a lot of attention. It described what are known in the insurance industry as "retained-asset accounts," in which benefits are paid not as a lump sum, but held in an ...

From Military to Civilian

July 30, 2010 Last week, we began looking at retirement options for people who have not spent their full careers in the civil service. A large portion of people in that category started a second career in the civilian federal service after completing a career in the military. In this situation, employees typically ...

Before Your Time

July 23, 2010 Not everyone spends their entire career in the federal civil service. Some folks have worked in the private sector, others have served in the military and others have taken a break at some point to spend time at home with their children. So what happens when you are old enough ...

Your Money and Your Life

July 16, 2010 In the summer heat, my thoughts have turned to cold, hard cash. I've already spent a few weeks writing about the Thrift Savings Plan -- including discussing the handful of people who've amassed $1 million or more in their accounts. So this week I thought I'd address the federal employees ...

Setting the TSP Record Straight

July 9, 2010 For the past few weeks, we've been looking at the Thrift Savings Plan and the role it plays in planning for a comfortable retirement, especially for those under the Federal Employees Retirement System. Not surprisingly, those columns generated a lot of comments. After reading the responses, I wanted to share ...