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 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

Results 421-430 of 516

Looking Ahead

January 18, 2008 Building on last week's roundup of benefits changes for 2008, let's look at some other developments likely to unfold this year. Part-Time Pressures It appears that part-time inequity for Civil Service Retirement System employees will continue. (For the background on this, see my previous columns, Part-Time Rules, Part One and...

Changes for 2008

January 11, 2008 Every year, there are changes in the way Social Security, Medicare and federal retirement benefits are calculated. Likewise, there are changes affecting federal salaries, the Thrift Savings Plan and other programs. Let's take a look at some of the specific changes this year. Salaries Last week, President Bush issued an...

The Index

January 4, 2008 As many of us do this time of year, I'm cleaning house. I thought that a good thing to do in my first column of 2008 would be to organize the past two years of Retirement Planning columns in a useful way. After reviewing the questions that readers post each...

Annual Retirement Quiz

December 21, 2007 In 2006, I devoted my final column of the year to testing your retirement knowledge. This year, I thought it would be fun to revisit that tradition. I'm betting that many of you will do quite well on the quiz. As for the others…well, New Year's resolution time is right...

Last-Minute Tips

December 14, 2007 If you are among that group of people who will be retiring in the next few weeks, let me be among the first to offer congratulation on your career of dedicated federal service. As a final send-off, here are some tips for your last days on the job. Review your...

Healthy Options

December 7, 2007 Well, this is it. If you're going to make changes to your federal health, dental and vision coverage, Monday's the deadline. That's when this year's open season ends. For you procrastinators out there, here's a quick look at your options for one of the most important decisions you face: Choosing...

Two Weekends Left

November 30, 2007 OK, folks, here's your homework for this weekend: Set aside a little time (maybe an hour or two) to make your open season choices. If you already have plans for the weekend, then you'll have through Monday, Dec. 10, to make your selections. But please don't wait until the last...

Frequently Asked Questions

November 16, 2007 At the end of October, I did two columns of questions and answers. It turned out they spawned even more questions. Some of these turned out to be the same questions I often get at seminars, so I thought I would take them up this week. Early Retirement On Jan....

The Old Switcheroo

November 9, 2007 When it comes to our health, we want the best care possible. When it comes to our time, we seem to have less than ever to spend on the decisions we must make every day. Out of 8 million enrollees in the Federal Employees Health Benefits Program, only about 5...

So Many Choices, So Little Time

November 2, 2007 There is one week left before the start of the annual open season for federal health, dental, vision and flexible spending account benefits. Have you considered changing health plans for next year? The place to start thinking about that question is the 2008 health benefits brochure for your current plan....

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