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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Deposit Woes

January 29, 2010 My last two columns on service credit deposits -- that is, payments to the federal retirement fund to receive credit for certain types of military and civilian service -- generated a lot of comments and e-mails. It seems that this subject has struck a nerve with many readers. Three themes ...

Deposit Dilemma

January 22, 2010 Last week we began our discussion of civilian and military service credit deposits -- payments to the federal retirement fund to receive credit for certain types of military and civilian service. By now, you should know if you have the option of paying one, and you might even know how ...

Deposit Download

January 15, 2010 Both this week and next I'll be examining a Top 10 federal retirement planning to-do list item -- service credit deposits. When I started this column in 2006, this was one of the first topics I felt compelled to write about. That's because during my 25 years of retirement counseling ...

The Index: 2010 Edition

January 8, 2010 As I've done at the beginning of each of the past few years (see here and here), I am providing an index to all of my past columns that still contain relevant information to help you plan for your retirement. I've deleted my first columns from 2006 on the topic ...

The 2009 Quiz

December 18, 2009 It's hard to believe we're at the end of the first decade of the 21st century -- and the end of my fourth year writing this column. As I've done before, I'd like to end the year with a quiz. This year, I'm focusing mostly on key changes that took ...

Open Season Wrap-Up

December 11, 2009 While some of you might be thinking about wrapping presents this weekend, you also mightwant to leave a few minutes to do your last-minute health insurance shopping. Here are several questions to consider if you're still weighing your options. Are you planning to retire within the next five years and ...

Maturity and Youth

December 4, 2009 At the risk of inducing a state of panic in some readers, I'll start this week's column by noting there are only 10 days left to evaluate your health care choices for the 2010 open season. Here are the top two questions I've been getting during this open season: I'm ...

Open Forum

November 20, 2009 For the past few weeks, we've been looking at issues related to health benefits open season. I'd like to continue the insurance theme this week by responding to some reader feedback on the previous columns. What does this subject have to do with retirement? Good question! Retirement planning involves preparing ...

High Option

November 13, 2009 Do you like the federal Flexible Spending Account program, but not its "use-it-or-lose-it" aspect and all the pre-planning that requires? If you are looking for a tax shelter and you're in relatively good health, you might consider a high-deductible health plan this open season. When using an HDHP with a ...

New Calculations

November 6, 2009 Last week, President Obama signed the fiscal 2010 Defense Authorization Act. In addition to ending the National Security Personnel System, the bill contained several provisions that could affect employees near retirement. This week, I'd like to look at two of them: A measure encouraging Civil Service Retirement System employees to ...