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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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The Top Five

April 16, 2010 Someone asked me at one of my seminars if I could list the most important things employees should know as they plan for retirement. I found it difficult to boil all of the important information down to a short list. So I decided to focus on things you might regret ...

Financial Literacy for Feds

April 9, 2010 Did you know that April is Financial Literacy month? In 2003, President Bush declared the United States should use the month to promote healthy financial habits. There's even a Web site to help you understand more about being financially healthy. On this site you can follow a 30-step process (one ...

Sick Leave Credit: The Calculations

April 2, 2010 In my last two columns (March 19 and March 26) I've looked at the new policy that allows employees covered under the Federal Employees Retirement System to get credit for unused sick leave toward their basic retirement benefit. This week, as promised, I'll finish up the subject with some details ...

Sick Leave Credit: The Details

March 26, 2010 Last week's column on crediting sick leave toward the basic retirement benefit under the Federal Employees Retirement System sparked quite a few comments and requests for more details. Let's take a closer look at the subject. Some readers weren't impressed with the value of the credit. Here are two examples: ...

Sick Leave Credit for All

March 19, 2010 It's been more than four months since President Obama signed a bill granting credit for unused sick leave toward the basic retirement benefit for those under the Federal Employees Retirement System. Yet many of the employees who attend my seminars are not aware of the change. So I think it's ...

Poverty Line

March 12, 2010 I'm feeling a little sting from last week's column. Some readers apparently thought its point was to advocate the idea of hiding your money from the government to qualify for public assistance. I thought a follow-up column might be in order to clarify my position. First of all, the central ...

Beyond Benefits

March 5, 2010 Federal benefits counseling, financial planning and estate planning are all important elements of preparing for retirement, but they require separate and distinct areas of expertise. This week, we're going to tackle the last of them, so I've called in some expert help. It was actually a question from a reader, ...

Avoiding Annuities

February 26, 2010 My column last week on the Thrift Savings Plan annuity option struck a nerve with readers. Many of the comments had a similar theme: Don't do it. Let's look a little more closely at this option, examining why some people take advantage of it -- but many avoid it. Opting ...

Income for Life

February 19, 2010 The topic of withdrawing funds from the Thrift Savings Plan is always a subject of great interest at my pre-retirement seminar presentations. The March issue of Money magazine, contains a short article claiming that one of the best ways to ensure your retirement savings last is to buy an immediate ...

Question Time

February 12, 2010 For the first time in the 30 years, I'm homesick. I live in the Washington suburbs, but for the past few days I haven't not been able to come home because the East Coast and beyond has been snowed in. I've spent the week in a hotel room trying to ...