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 520

Question Time

February 15, 2008 It's time for another round of your questions. I've gone through some submitted in response to my recent columns to find topics that are common to many of you contemplating retirement. Retirement Coverage My leave and earnings statement says I'm enrolled under the FERS K retirement plan. How and where...


February 8, 2008 Over the past couple of weeks, we've looked at the importance of taking responsibility for educating yourself about the potential benefits you can expect in retirement. But what if you feel the need to get some expert advice in that process? Here are some of the types of people you...

Educate Yourself

February 1, 2008 If everyone had a 30-year full-time federal career with no breaks in service, there would be no complaints about retirement annuity estimates because they'd be simple to calculate. But throw in a couple of breaks in service, a switch of retirement systems or any of dozens of other factors, and...

Buyer Beware

January 25, 2008 How would you feel if you bought a car that was estimated to cost $385 per month, but when the bill came in the mail, the required payment was actually $500? And suppose you paid the $385 a month for four months only to find out you owe $460 in...

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...

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