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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Leave It or Roll It?

September 26, 2013 This week, the question of whether it is better to leave your money in the Thrift Savings Plan at retirement or transfer it to an Individual Retirement Arrangement came up for me three times: twice I was asked it at my seminars, and then my husband said it came up ...

Retirement 101: Start Planning Now

September 20, 2013 This week, I had the pleasure of teaching a class for federal employees who have worked in government for less than five years to help them prepare for their retirement. This is when employees should learn about how their retirement benefits are designed to work. My Uncle Steve, who I ...

Social Security: What’s In It for You?

September 13, 2013 It’s back to school time again, except for those who have finished their studies and are moving on to the world of work. My youngest son just finished the final requirement for his college degree by completing a summer internship. Now he’s looking for his first paying job in his ...

A New Tool from the TSP

September 6, 2013 Estimating your retirement income has become a lot easier thanks to a new calculator available on the Thrift Savings Plan web site. The Retirement Income Calculator makes it easy to compare a monthly payment option to a life annuity as methods of generating a monthly stream of income from your ...

How Does Your Retirement Stack Up Against a Former President’s?

August 30, 2013 Seeing President Obama standing with former presidents Jimmy Carter and Bill Clinton on Wednesday at the rally commemorating the 1963 March on Washington made me think back on the many great events in the history of our country. But I also thought of the future, and for me that always ...

How Baby Boomers are Retiring

August 23, 2013 One of the benefits of getting older is that your friends start to retire. My good friend Georgia left the State Department at the end of 2011 after more than 38 years of federal service. She worked for portion of time as a reemployed annuitant, but she’s been fully retired ...

Let the Open Season Panic Begin!

August 16, 2013 It isn’t even September yet, but there is a lot going on already in preparation for the 2013 Federal Employees Health Benefits Program open season at the end of the year. With the implementation of the 2010 Affordable Care Act under way, some employees and retirees are worried about its ...

Your Own Retirement Savings Plan

August 9, 2013 According to a Thrift Savings Plan report released in May, 146,000 Civil Service Retirement System employees currently contribute to a Thrift Savings Plan account. By comparison, more than 2 million employees covered under the Federal Employees Retirement System are putting money into the TSP, along with 312,000 FERS employees who ...

The Mystery of the Vanishing Service Credit

August 2, 2013 Regular readers of this column know that I’m a big proponent of making sure you keep your own copies of important personnel records, just in case you need them. This is particularly true at a time when the federal retirement system is switching over to electronic record-keeping, which, while more ...

You Can Afford to Retire! (2013 Edition)

July 26, 2013 This is an update of a column I wrote in 2006. With many employees enduring salary reductions due to furloughs, some are wondering what to do. Some of them are in a position to retire comfortably -- and don’t even know it. In a recent Washington Post column, a federal ...