Author Archive

Tammy Flanagan

Tammy Flanagan

Retirement Counseling and Training www.retirefederal.com

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 www.retirefederal.com 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 NITPInc.com.

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 www.retirefederal.com 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 NITPInc.com.

Pay & Benefits

The Trickiest Retirement Decision You’ll Have to Make

Hint: It’s not picking a date or deciding when to take Social Security.

  • Tammy Flanagan
Pay & Benefits

See If You Can Pass the Retirement Readiness Test

An assessment of your preparedness level.

  • Tammy Flanagan
Pay & Benefits

A Mid-Year Chance to Lower Your Taxable Income

For the second year in a row, feds get more flexibility in their flexible spending accounts.

  • Tammy Flanagan
Pay & Benefits

Long Term Care Insurance and the Pandemic Age

The grim news about nursing homes over the past year has caused many people to contemplate their own future needs.

  • Tammy Flanagan
Pay & Benefits

Milestones on the Path to Financial Security in Retirement

If you work in government, there are several moments in your life when you’ll face key decisions about your eventual retirement.

  • Tammy Flanagan
Pay & Benefits

5 Things To Know About Supplemental Retirement Benefits

The ins and outs of the FERS supplement.

  • Tammy Flanagan
Pay & Benefits

Retirement in a Time of Covid

For the most part, feds aren’t letting the pandemic disrupt their plans.

  • Tammy Flanagan
Featured eBooks
The Post-Covid Workforce
Future Army Tech
Digital Divide
Pay & Benefits

Retiring and Changing Health Insurance at the Same Time? Good Luck.

It can get messy.

  • Tammy Flanagan
Pay & Benefits

How to Avoid Buyer’s Remorse

Federal retirees should understand the ins and outs of each retirement system, especially if they have been misclassified.

  • Tammy Flanagan
Pay & Benefits

Declutter Your Life, But Don’t Throw Away the Important Stuff

Don’t shred important records you may need when it comes time to retire.

  • Tammy Flanagan
Pay & Benefits

Now’s the Time to Improve Your Financial Literacy

How would you finish this sentence: “I need to become more financially…”

  • Tammy Flanagan
Pay & Benefits

Countdown to Retirement: What You Need To Be Ready For

A detailed look at the steps you can expect to go through in the process.

  • Tammy Flanagan
Pay & Benefits

You Have More Time to File Your Taxes. Here’s How Not To Pay Too Much

Many federal retirees overpay because they aren’t aware of the rules about taxation of their benefits.

  • Tammy Flanagan
Pay & Benefits

What’s Not To Like About the TSP

Leaving your money in the plan as a retiree does have some drawbacks.

  • Tammy Flanagan
Featured eBooks
The Post-Covid Workforce
Future Army Tech
Digital Divide
Pay & Benefits

What’s To Like About the TSP

The case for leaving your money in the Thrift Savings Plan after retirement.

  • Tammy Flanagan
Pay & Benefits

A Perennial Health Insurance Conundrum

FEHBP, Medicare and the difficulty of predicting the future.

  • Tammy Flanagan
Pay & Benefits

Spouses and Annuities: A Closer Look

Avoiding potential confusion about survivor benefits.

  • Tammy Flanagan
Pay & Benefits

Marital Advice For Those Nearing Retirement

Tips on answering what can be a tricky question on your retirement application.

  • Tammy Flanagan
Pay & Benefits

Retirement Planning Index: 2021 Edition

The annual guide, by topic, to key columns over the years.

  • Tammy Flanagan
Pay & Benefits

4 Critical Federal Retirement Decisions

Some choices could have a lifelong impact on your financial security.

  • Tammy Flanagan