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 211-220 of 534

Talking TSP

August 24, 2012 Some of my recent columns on Thrift Savings Plan-related issues have caused readers to raise some questions and concerns. This week, I thought I’d address a few of them. Can you please explain how TSP dividend distributions work? In my quarterly statements I don't see the distribution of dividends. My...

Summertime Q&A

August 17, 2012 When possible, I try to provide answers to questions that I find in the comments that follow my column. Well thought-out political comments and questions are appreciated. They are a gauge of how I’m doing as far as hitting issues that are relevant to the readers. So keep ’em coming....

Phased Retirement Q&A

August 10, 2012 Last month, I wrote about the new phased retirement option for federal employees, enabling them to work part time while they start to draw retirement benefits. That column sparked a series of questions and comments about how the new provision will be implemented. I thought I’d tackle some of them...

Pay Raises and COLAs

August 3, 2012 Last week we looked back on 25 years of laws that have changed the way federal retirement benefits are administered. This week, with a potential third year of a federal pay freeze looming, let’s take a look at salaries and how they compare with cost-of-living adjustments for federal retirees. In...

Change for the Better

July 27, 2012 Come senators, congressmen Please heed the call Don’t stand in the doorway Don’t block up the hall… Bob Dylan, The Times They Are A-Changin’ The Times They Are A-Changin’ was an anthem for frustrated youth during the 1960s. Could some of that frustration have carried into a few federal careers?...

Retired -- and Working

July 20, 2012 On July 6, President Obama signed the “Moving Ahead for Progress in the 21st Century Act” into law. It includes a phased retirement option for federal employees that will allow them to continue working while they sample retirement. That’s not only a nice option for them, but a valuable tool...

Buyout Considerations

July 12, 2012 Many federal employees are being offered early retirement this year – and many more wish they were. Often, the offers come with a Voluntary Separation Incentive Payment, otherwise known as a buyout. (See GovExec’s Buyout Watch for a running tally of agencies offering such incentives.) The bad news is the...

Need Money? Save Your Sick Leave

July 6, 2012 As promised, here’s the third in my series of columns on saving money and maximizing your retirement within the federal pay and benefits structure. This week, I’ll focus on sick leave -- with a bonus tip at the end related to pay raises. First, it’s important to remember that in...

Need Money? Look to the TSP

June 29, 2012 This is the second in a series of three columns on how to free up a little more spending money -- or increase the amount you’ll have available when you retire. Last week, we looked at life insurance coverage. Now let’s examine the Thrift Savings Plan. First, it’s important to...

Need Money? Rethink Life Insurance

June 22, 2012 Could you use a little extra money? Who couldn’t? This week and the following two weeks, I’ve decided to provide some tips on how you can get a few more bucks to spend -- or better yet, to put away for your retirement. It’s all about making the most of...

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