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Advice on how to prepare for life after government.

The List: A Retirement Resources Guide

Jerry Sliwowski/

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 are credible, add to your knowledge base and help you confirm that important rules haven’t changed.

The sources below provide information you should want to know so that you can prepare for a smooth transition to retirement. As they say in the carpentry business, “measure twice, cut once.” Ask questions until you understand. It’s easy to leave government, but a lot harder to come back if you left without knowing exactly what you are entitled to receive.

The Big Three

Three organizations are important in administering federal retirement benefits: The Office of Personnel Management, The Thrift Savings Plan and the Social Security Administration. If it’s been awhile since you visited their websites, you owe it to yourself to see what’s new.

Office of Personnel Management

Thrift Savings Plan

Provides online access to your account and a withdrawal wizard you can use to make it a little easier to apply for post-separation withdrawals from your account.

Social Security Administration

Do you have a mySocialSecurity account? Do you have questions about when you should claim benefits? Are you married, widowed or divorced? Are you receiving a CSRS or CSRS Offset retirement benefit? Details about all of the above and more can be found at SSA’s website.

Federal Insurance Benefits

I also have several go-to websites that provide analysis, explanation and comparison of federal benefits in ways the administering agencies can’t. With these and other independent sources of information, be sure to check out anything that sounds too good to be true.

Consumers’ Checkbook Guide to Health Plans for Federal Employees and Annuitants

An FEHBP plan comparison tool that can help you determine what plan is best for you. The guide is in its 37th year.

National Active and Retired Federal Employees of New York

This organization has compiled a wealth of resources to help with key retirement planning decisions.

Retirement Income Calculators

If you’re looking for do-it-yourself software to estimate your retirement annuity, there are programs available for that task. It’s very important that you provide detailed and accurate information when you use these programs.

Retiree Advocacy

The National Active and Retired Federal Employees Association

Supports legislation beneficial to current and future federal annuitants and advises them of their rights under retirement laws and regulations.

Divorce and Federal Retirement


Federal employee divorce services and FERS retirement guides.

Financial Planning

A service of the Securities and Exchange Commission where you can check out a financial adviser’s background, registration status and more.

Tax Planning

Internal Revenue Service

Kiplinger State-by-State Guide to Taxes

Preparing for Life After Retirement

U.S. News & World Report/Money Best Places to Retire

Road Scholar: Educational adventures created by Elderhostel.

(Image via Jerry Sliwowski/

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 and 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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