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.

Results 311-320 of 441

CSRS vs. FERS: 2008 Edition

September 19, 2008 If you work in the federal government, you've no doubt heard people either brag or lament (depending on when they were hired, usually) that the Civil Service Retirement System is much better than its successor, the Federal Employees Retirement System. I hear these kinds of comments all the time. There ...

Who’s Responsible?

September 12, 2008 Last week's column, "Catch-62 Revisited," which covered the potential adverse effects of failing to make a military service credit deposit, sure hit a nerve. Some readers said agency benefits offices must provide clearer information on the problem. Others declared that employees should take more responsibility for their own situations. And ...

Catch-62 Revisited

September 5, 2008 If you've been reading this column for a while, you might remember that about a year ago, I wrote about my friend Jerry Westfall. I thought it was worth updating his cautionary tale. Westfall turned 71 earlier this year. From June 18, 1956, to July 1, 1976, he served in ...

The COLA Factor

August 29, 2008 Every year, about 4 million federal civilian and military retirees and 50 million Social Security beneficiaries are granted a cost-of-living adjustment to their benefits. Lately, I've received quite a few e-mails about COLAs from employees who are planning to retire within the next few months. They're wondering how the 2009 ...

Opening SAMBA

August 22, 2008 There's a new health plan in town -- for many federal employees, at least. The Office of Personnel Management recently sent a notice to agencies letting them know that the SAMBA Health Benefit Plan now will be open to all federal employees and annuitants who are eligible for the Federal ...

Mail Call

August 15, 2008 My recent Best Dates to Retire 2009 column sparked a series of questions from readers trying to pin down exactly the best day. Let's look at a few of them. Working Around Weekends You said the best date for a Federal Employees Retirement System employee to retire is the last ...

Best Dates to Retire: Tax Considerations

August 8, 2008 "You only retire once," the saying goes -- although I've met some people who are on their second or third retirement. Still, it makes sense to be careful about picking just when to leave. As I expected, the Best Dates to Retire 2009 column I wrote last week generated some ...

Best Dates to Retire 2009

August 1, 2008 Here it is folks… the best dates to retire under the Civil Service Retirement System and Federal Employees Retirement system next year. It's not too early to begin thinking about it if you are planning a 2009 retirement. Below the calendar, you'll find a full explanation of the color coding, ...

Long-Term Planning

July 25, 2008 In the seminars I conduct about retirement planning, the subject of long-term care insurance always seems to generate a fair amount of confusion. I wrote about this subject two years ago in a three-part series titled "The Long Haul." You can find it here: Part One Part Two Part Three ...

Maxing Out

July 18, 2008 In the federal sector, people often talk about earning a "full" retirement. But what exactly does this mean? Is it when you've met the age and service requirements to be eligible to retire? Or is it when you've worked long enough to earn the maximum benefit under the Civil Service ...