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 551-560 of 561

CSRS vs. FERS: The Reaction

April 7, 2006 Last week's column comparing CSRS to FERS certainly attracted a lot of feedback. I expected some skepticism, but not the level of hostility in some of the responses. I was trying to make FERS employees feel better about their future; it seems that some of them think I need to...


March 31, 2006 Which federal retirement system is better? If you ask most employees, they seem to think the Civil Service Retirement System provides more generous benefits than its newer counterpart, the Federal Employees Retirement System. Even though most employees don't have any control over which system they're in, there are several reasons...

Withdrawal Options

March 24, 2006 Editor's Note: Be sure to watch Tammy Flanagan's appearance on GovExecTV's FedCast, starting Monday, March 27. A big decision you will face when you begin retirement planning is what to do with the funds in your Thrift Savings Plan account. The procedure appears painless because your choices are laid out...

Really, You Can Retire!

March 17, 2006 My recent column on projecting your retirement income attracted a lot of reader feedback. Here are excerpts from some of the messages I received, with my responses: When proposing retirement calculations, please use a more statistically "average" retiree for your calculations. [According to] the Federal Civilian Workforce Statistics "fact book,"...

Spousal Benefits

March 10, 2006 If you are married, have you begun to evaluate the kinds of benefits under CSRS and FERS that your spouse will be eligible for if he or she lives longer than you? Providing an annuity for a surviving spouse is generally a win-win situation, and the federal government has very...

You Can Afford To Retire!

March 3, 2006 Even some federal employees who have met the age and service requirements for retirement after a full career don't know whether they can afford to retire. No matter what career stage you're in, it makes sense to improve your financial literacy and evaluate your retirement readiness. Some financial planners use...

Military Service Payback

February 24, 2006 In the last two columns, we looked at two of the three different kinds of service credit deposits (additional payments employees make into their retirement funds to get credit for previous federal service): nondeduction service credit payments and redeposits of CSRS refunded contributions. This week, in the last of our...

Redepositing CSRS Refunds

February 17, 2006 Last week, we began our review of the three different kinds of service credit deposits -- additional payments into your retirement fund based on previous federal service -- by discussing nondeduction service credit payments. This week, we'll look at redeposit of CSRS refunded contributions. Solution Redeposits are sums of money...

Buying Retirement Credit

February 10, 2006 Of all the federal retirement planning topics, service credit deposits -- involving payments into your retirement fund -- is probably the most technical. You will need to get assistance from your Office of Human Capital (personnel office) if you have a deposit decision to make. To help you get started,...

A Great Date to Retire

February 3, 2006 Every year, thousands of federal employees consider whether and when to retire. If you don't know the rules, you could select the wrong date and cost yourself hundreds or even thousands of dollars. Here's what you need to know to pick the best date for you. Solution The best dates...

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