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

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The List: A Retirement Resources Guide

January 21, 2016 Last week, I presented The Index, my annual guide to past columns. This week, it’s The List: a compilation of resources that I use on a daily basis to back up what I say to you and to any federal employee that asks me a retirement benefits question. These resources...

The Index: 2016 Edition

January 14, 2016 Maybe it was the way I was raised, but I love to organize and clean house. My mom did fall and spring cleaning every year. I grew up in Pittsburgh when the steel mills were still operational, so there was a good reason for all of her effort. This time...

Retirement Modernization, Take Five

December 17, 2015 The Office of Personnel Management has made various attempts to modernize the federal retirement process over the past couple of decades. These efforts have involved developing an integrated system and automated processes, but have failed to meet their goals. Recently, AINS Inc. announced that OPM had awarded the company a...

Getting the Best Health Plan Deal: An Experiment

December 10, 2015 As I’ve noted in recent columns, open season for the Federal Employees Health Benefits Program provides an opportunity to consider switching plans and potentially saving some money. Before this year’s open season ends on Monday, I wanted to provide an update on the non-scientific experimentI conducted with five friends this...

Solving the Open Season Puzzle

December 3, 2015 Do you remember those plastic sliding tile puzzles? They’re a timeless classic. The object of the game is to slide the numbers around until you get them in order. Choosing the best health plan during Federal Employee Health Benefits Program open season can be a lot like solving one of...

Recoup Some Savings During Open Season

November 27, 2015 I hope that some of you have the day off and are recovering from a wonderful Thanksgiving holiday. If you are shopping today, then you must be looking for a bargain. You need look no further than your annual health benefits open season. There may not be an actual sale...

What You Need to Know about Health and Life Insurance

November 19, 2015 This week, I want to focus on some of the complexities surrounding the continuation of health and life insurance benefits in retirement and answer some readers’ questions, but first I want to clarify a point from last week’s Retirement Planning column. There was some confusion about the number of pay...

You Have TSP Questions; We Have Answers

November 12, 2015 One of my favorite things to do is to answer questions from federal employees and retirees. Last week's column generated a lot of questions and commentary from readers about general retirement processing, Thrift Savings Plan issues and other considerations that affect your retirement funds. So this week I thought I’d...

Don’t Forget to ‘Turn On’ Your Benefits

November 5, 2015 I’m often asked what steps federal employees need to take to receive their benefits after retirement. As with most questions in life, the answer can be complex. Once an employee determines they are eligible for retirement -- and that they can afford to retire -- they must decide how and...

How Divorce or a Job Change Could Derail Your Financial Plan

October 29, 2015 As federal employees close in on retirement, I often get some last minute questions, the answers to which can have a big impact on your post-career life. Here are a few that are at the top of the list: I was divorced during my federal career. How much of my...

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