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

Rules and Requirements for Federal Retirement

Some dates to retire are better than others for different employees.

  • Tammy Flanagan
Pay & Benefits

Retiring Young Can Cost You

What a difference two years makes.

  • Tammy Flanagan
Pay & Benefits

Retire Now or Later? A Debate 

Sticking around can improve your financial situation, but is it worth it?

  • Tammy Flanagan
Pay & Benefits

Before And After Retirement: A To-Do List

Tips on navigating the periods sandwiched around your retirement date.

  • Tammy Flanagan
Pay & Benefits

Getting Ready to Retire at the End of the Year

Now’s the time to start.

  • Tammy Flanagan
Pay & Benefits

Higher Inflation At Least Means Higher COLAs

That’s generally true for federal retirees, but it’s a bit more complicated.

  • Tammy Flanagan
Pay & Benefits

Providing for Your Survivors

You have a range of options for guaranteeing a source of income for others in the event of your death.

  • Tammy Flanagan
Featured eBooks
The Biden Management Agenda
Building the Cyber Workforce
Race to Orbit
Pay & Benefits

What You Need to Know About Social Security and Federal Retirement

The latest on this key element of the government’s retirement package. 

  • Tammy Flanagan
Pay & Benefits

If You’re Feeling Pessimistic, Do Something

Some concrete steps you can take to help you feel more secure about your retirement. 

  • Tammy Flanagan
Pay & Benefits

Spend it Now or Save it for Later?

The ultimate retirement savings question. 

  • Tammy Flanagan
Pay & Benefits

A Retirement Journey: Health Insurance Issues

The last in a three-part series on one employee’s retirement experience. 

  • Tammy Flanagan
Pay & Benefits

A Retirement Journey, Part Two: The Transition

The second in a three-part series on one employee’s retirement experience. 

  • Tammy Flanagan
Pay & Benefits

A Retirement Journey, Part One: Pre-Retirement

The first in a three-part series on one employee’s retirement experience. 

  • Tammy Flanagan
Pay & Benefits

Second Thoughts on Retiring This Year

Inflation makes a would-be retiree feel like a deer in the headlights.

  • Tammy Flanagan
Featured eBooks
The Biden Management Agenda
Building the Cyber Workforce
Race to Orbit
Pay & Benefits

‘It’s Time For Me To Go Fishing’

The first steps to take after you’ve decided to retire.

  • Tammy Flanagan
Pay & Benefits

Social Security, COLAs, Earnings Limits and More

Answers to reader questions on pressing issues. 

  • Tammy Flanagan
Pay & Benefits

The Difference Between a COLA and a Pay Raise

And why you won’t get the full effect of either if you retire on Dec. 31, 2022.

  • Tammy Flanagan
Pay & Benefits

Life Insurance for Retirees

The rules and options for continuing coverage into retirement. 

  • Tammy Flanagan
Pay & Benefits

Life Insurance for Current Employees

Assessing your coverage options.

  • Tammy Flanagan
Pay & Benefits

Figuring Out How Much Life Insurance You Need

It depends on several factors.

  • Tammy Flanagan