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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Health Insurance Questions and Answers

March 6, 2014 Last week, we covered the subject of the relationship between Medicare Part B and the Federal Employees Health Benefits Program. Not surprisingly, this topic received a big response. Many readers commented that it is a good idea for retirees to have both Medicare Part A and Part B coverage, along ...

The Big Health Insurance Question

February 28, 2014 Turning 65? If you are like most federal retirees and employees, you might be feeling confused and unsure of how Medicare will work with your Federal Employee’s Health Benefits Program coverage. This is a topic that always gets a lot of questions and some debate during my pre-retirement seminars. Most ...

The TSP’s New Millionaires

February 21, 2014 Saving a million dollars for your retirement is quite an accomplishment. Saving a million dollars in an average of 25.7 years in the federal Thrift Savings Plan is a really big accomplishment. As of December 2013, more than 1,600 TSP participants can say that they have done just that. Some ...

Is the Grass Really Greener?

February 14, 2014 In the past couple of weeks, we’ve been exploring the issue of whether to stick it out in a federal career or make the leap to the private sector. That prompted some requests for help in evaluating the “should I stay or should I go?” question. Let’s look at a ...

Don’t Go, Please Stay

February 6, 2014 Last week’s column, To Stay or Not to Stay in Government, which featured my advice to a federal manager considering a jump to the private sector, hit a nerve with many readers. The benefits of a full career of federal employment and service came through loud and clear in the ...

To Stay or Not To Stay in Government

January 31, 2014 Last week, I wrote about my experience talking to “Heather,” a 36-year-old-federal employee. Here are the basics of Heather’s situation: Age 36 with 10 years of federal service; in the Federal Employees Retirement System. TSP balance: more than $200,000. Employed as a GS-14 project manager in the Washington area, at ...

A Case of Savings Envy

January 24, 2014 When it comes to retirement readiness, it generally doesn’t pay to compare yourself to other people. It can lead to unnecessary disappointment -- or unwarranted joy. This week I had a casual conversation with “Heather” about how disappointed her aunt, “Brenda,” was when the two of them compared Thrift Savings ...

A Different Path for Women

January 17, 2014 Last week I attended a lecture that gave me newfound appreciation for the women who have paved the way for those in the workforce today, and made me think about the special needs of women in planning for retirement. The lecture was held at the site of the former District ...

The Index: 2014 Edition

January 9, 2014 Last week, I published the Retirement Planning greatest hits of 2013, but as is my custom every year, this week I present the annual index of all of my past columns that are still relevant -- dating back to the first one, published in January 2006. My how time flies! ...

Greatest Hits of 2013

January 3, 2014 Later this month, I’ll present my annual index of past columns. (Here’s last year’s index.) In the meantime, here are some of the most popular columns I wrote in 2013, in case you missed any of them: What Is Your Full Retirement Age? (Nov. 14) Ask someone what their full ...