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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A Little Lower

October 12, 2007 A few weeks ago, I wrote about how to decide whether to retire from federal service to work in the private sector or continue in your federal career. Several readers commented about the salary rates I used in the examples, saying they'd like to see how scenarios would work out ...

Going Private

October 5, 2007 Just when I thought I had explored most retirement benefits topics in this column, I received an interesting e-mail question: As a Federal Employees Retirement System employee, I am not locked into my retirement so much as someone who is in the Civil Service Retirement System. I won't/can't retire for ...

Part B Or Not Part B?

September 28, 2007 One of the big queries that comes up at every pre-retirement seminar is "Do I need Medicare -- especially Part B? Or should I stick with the benefits I can continue to receive into retirement under the Federal Employees Health Benefits Program?" The answer is, it depends. That's not what ...

Catch-62

September 21, 2007 This week, I present a cautionary tale, from which I hope you'll learn a valuable lesson: If you want to be sure your retirement reflects your full career of service, you need to understand your benefits long before you actually retire. The story involves a Vietnam veteran named Jerry who ...

Public or Private?

September 14, 2007 Earlier this year, I addressed the age-old question of whether you should retire from government as soon as you're eligible, or stick around for a while. This week, I thought I'd look at a variation of this question to dig a little deeper. Suppose you know that you want to ...

The Latest on the TSP

September 7, 2007 Sometimes people ask me if teaching retirement planning, as I've been doing for 20 years, ever gets boring. My answer is always the same: I love what I do because the people are all different and there is enough ongoing change to keep it very interesting. For example, take the ...

Laboring Another Day

August 31, 2007 According to the Labor Department, the annual Labor Day holiday "constitutes a yearly national tribute to the contributions workers have made to the strength, prosperity and well-being of our country." As this holiday approaches, I thought I'd share an example of how your retirement will increase as you labor longer ...

D-I-V-O-R-C-E

August 24, 2007 Federal employees who have gone through a divorce have an additional complication: their former spouse (and other family members) may be eligible for some of their retirement benefits. Courts can issue orders awarding benefits to legally separated spouses, former spouses, and children of current employees, former employees and retirees. Here ...

Feeling Special: Q&A

August 17, 2007 In last week's column, I invited you to submit questions on special retirement provisions for law enforcement officers, firefighters and air traffic controllers. Here are some of your submissions, along with my responses. Computation of the Basic Retirement Benefit Q: I worked as a regular federal employee for 13 years ...

Feeling Special

August 10, 2007 Most federal employees fall under either the Civil Service Retirement System or the newer Federal Employees Retirement System. But within these systems there are special retirement provisions for law enforcement officers, firefighters and air traffic controllers. For these employees, the rules to qualify for retirement are different, as are the ...