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 421-430 of 557

High Interest

October 31, 2008 Happy Halloween! Are you haunted by the looming Federal Employee Health Benefits Program open season? Stick with me during the next few weeks, and I'll provide resources and information to help you make decisions on your health, dental and vision coverage, and flexible spending account contributions. Last week's column on...

Considering HDHPs

October 24, 2008 The annual federal health benefits open season is right around the corner. This year, it runs from Nov. 10 to Dec. 8. Federal employees and retirees will be able to select new health, dental and vision plans, as well as set flexible spending account allotments for 2009. If you want...

Deep Breath

October 17, 2008 It's been quite a couple of weeks for newspaper headlines. Take this one from last Sunday's Washington Post: "Retirement Wreck." Or how about this one from the Wall Street Journal: "What to Down in a Down Market." (That was about the kind of whiskey you should drink to calm your...

What You Need to Know

October 10, 2008 Whether you are a new federal employee or someone with 35 years of service, there are certain things you need to know to plan for your retirement. Your agency's human resources office can be a valuable resource for getting answers to these questions, since it is your link to the...

Take Charge of Your TSP

October 3, 2008 With all that's going on in the financial system these days, many federal employees are concerned about whether they can count on their Thrift Savings Plan funds to provide for a healthy percentage of their retirement savings. Some people view the TSP as a complex and risky place to save....

FERS Flexibilities

September 26, 2008 I knew it would happen. I just knew it. Last week's column comparing the Civil Service Retirement System and the Federal Employees Retirement System caused a stir. Based on the comments on the article and the e-mails I received, some further explanation about the flexibility of FERS might be in...

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...

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