AUTHOR ARCHIVES

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 www.tammyflanagan.com 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 NITPInc.com.

Results 251-260 of 529

Coming Back

September 30, 2011 Just when you thought everyone was leaving federal service, I've been hearing from a few former government employees who want to come back. I recently received a call from my friend Mary Ann's husband, Jim. He's thinking about returning to government. He was in the military for seven years during...

Uncertain Times

September 22, 2011 Amid natural disasters, the threat of terrorism and financial instability in our world, it's hard to approach the retirement planning process with a sense of certainty these days. Last week, I wrote about a survey undertaken by the MetLife Mature Market Institute and the Scripps Gerontology Center at Miami University...

Go or No Go

September 16, 2011 Earlier this year, the MetLife Mature Market Institute and the Scripps Gerontology Center at Miami University produced a report called Best-Case Strategies for a Flexible Retirement. Here are some of its key findings: More than a quarter of survey respondents reported retiring earlier or later than planned due to unexpected...

Not Quite Right

September 9, 2011 Last week, I wrote about the importance of getting an estimate of your retirement annuity as you plan for life after government. But here's the problem: Some estimates are incomplete and some have errors. It's very important that you have some idea of how your service history should be used...

Predicting the Future

September 2, 2011 One of the important things all employees should do before retirement is request an annuity estimate. This is a calculation of your Civil Service Retirement System or Federal Employees Retirement System benefit prepared by your human resources office for a specific retirement date. It's different from the do-it-yourself estimates that...

Overwhelmed?

August 26, 2011 I thought I would take a little time this week to address some recent reader questions and requests for help. I can't be the only one overwhelmed with trying to find my way through the maze! My agency is rapidly losing experienced folks but not replacing them all, and the...

Diminishing Returns

August 19, 2011 Last week, I wrote about steps you can take to make sure the processing of your retirement benefits goes as smoothly as possible. Of course, even if you do everything the right way, sometimes you end up with an interim benefit much smaller than you expected, or with a computation...

Smooth Sailing

August 12, 2011 Are you one of the thousands of federal employees who will be retiring during the next year? If you're lucky, your transition will go something like my aunt's and uncle's, who left government in the late 1970s under the Civil Service Retirement System. They filled out their applications about 30...

Social Security Trade-Offs

August 5, 2011 Last year around this time I wrote a column on the best time to apply for Social Security retirement benefits. My advice boiled down to answering the following three questions: Are you still working? Do you need the money? How is your health (how long will you live)? One thing...

Early Outs

July 29, 2011 This week I presented my second webinar for Government Executive and was amazed by how many of you tuned in to learn more about your retirement! Thank you for taking time out of your day to join in. I am glad employees are making sure they understand the benefits associated...

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