Author Archive

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.
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.
Now or Later
For federal employees trying to weigh whether to retire in the current climate, there are a few things to consider for a sound night's sleep.
- Tammy Flanagan
Too young to retire? What to know about early retirement offers
If you're one of the many federal employees being offered early retirement but are still years away from your Minimum Retirement Age, you may be feeling uncertain and anxious about whether to accept the offer now or wait to see what unfolds.
- Tammy Flanagan
Taxes and the TSP
With many federal employees unexpectedly losing their jobs, now is a good time to review some essential tax rules.
- Tammy Flanagan
Federal retirement planning during uncertain times
Answers to some of your pressing questions.
- Tammy Flanagan
Women, money and retirement
For Women’s History Month, lets talk about some of the statistics around women, savings and assets.
- Tammy Flanagan
Need fast cash? A TSP loan may be the answer
While not ideal, it is an option available to federal employees who need financial help.
- Tammy Flanagan
Anything but boring
A flurry of firings and RIFs has many federal employees looking for answers when it comes to retirement planning.
- Tammy Flanagan
Retroactive benefits from the windfall elimination repeal to begin
Those who are owed should soon start receiving their money.
- Tammy Flanagan
What happens to my insurance when I leave the federal government?
Most of your benefits can be continued in retirement -- if certain conditions are met.
- Tammy Flanagan
Retirement: How to navigate the current chaos
Amid “deferred resignation” turmoil, federal workers are in uncharted territory. Here’s a little guidance.
- Tammy Flanagan
The unplanned retirement dilemma
If you hadn’t given much thought to retirement before receiving the Trump administration's "deferred resignation" email on Jan. 28, you may be in for a few surprises—not all of them pleasant.
- Tammy Flanagan
Figuring out the ‘Fork in the Road’
The Trump administration’s “deferred resignation” offer has federal employees scrambling for answers and facing tough choices.
- Tammy Flanagan
Tips to prepare for the future of your federal career
Keep calm, and keep good records.
- Tammy Flanagan
How to prepare for an unexpected retirement
Some readers with fears about the future of their jobs under the next administration reached out for advice.
- Tammy Flanagan
The Social Security Fairness Act: What we know so far
It may take time to implement this new law -- here’s what you should know for now.
- Tammy Flanagan
More! on the windfall elimination provision and government pension offset
Many Civil Service Retirement System retirees are hoping for an early Christmas present from Congress.
- Tammy Flanagan
What difference does 2.5% make?
Here's what a Dec. 31, 2025 retirement might look like with a 4.5% increase in pay for 2025 compared with only a 2% increase.
- Tammy Flanagan
Open season and tax savings
Monday is the last day to enroll in or make changes to your benefits for 2025. What are you doing this weekend?
- Tammy Flanagan
Look before you leap into a private sector job
It might not be the win you think it is when you do the math.
- Tammy Flanagan
Retirement decisions that can't be reversed
Here are the retirement decisions that require careful consideration since they cannot be changed.
- Tammy Flanagan