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 11-20 of 533

A Retirement Guide for Every Stage of Your Career

August 11, 2016 Last week, we looked at some of the factors federal employees fear could threaten their financial security in retirement. The results came from a recent in-depth research study of federal employees conducted by Government Executive’s research unit, the Government Business Council. Another question posed in this survey that I thought...

Fear of Losing Benefits

August 4, 2016 Recently, Government Executive’s research unit, the Government Business Council, conducted an in-depth research study of federal employees. The results revealed some interesting trends. Most of the people who responded to the survey (68 percent) were planning to retire within the next five years, with another 25 percent saying they were...

Long-Term Care Insurance: What Should You Do About Rate Hikes?

July 28, 2016 If you’ve been reading the news over the past two weeks, you’ve probably heard aboutthe recent large rate hike for participants in the Federal Long Term Care Insurance Program. I’ve been getting quite a bit of mail asking my opinion about what participants should do. A lot of people are...

Is Phased Retirement For You?

July 21, 2016 Slowly but surely, phased retirement is being rolled out in federal agencies. Assuming your agency provides the option, now or in the future, would you consider it? There are several reasons why phased retirement might provide a good way to transition to retirement: You might love your job and your...

Retirement With Training Wheels

July 14, 2016 Are you in the home stretch of your federal career? That last lap can be the hardest for many employees. Some face uncertainty, fear and anxiety about the decision to retire after a career of federal service. For others, the feelings include excitement, joy and a sense of impending freedom....

You’re Going to Have to Make Some Tax Decisions

July 7, 2016 Most federal employees know that they contribute to their future Federal Employees Retirement System or Civil Service Retirement System benefit via withholding from their biweekly paychecks. But some may not be aware of the tax implications of such withholding. CSRS employees contribute 7 percent of basic pay (7.5 percent for...

Why It Pays to Keep Your Own Records

June 30, 2016 I recently received the following email from “Maria”: As a fairly recent retiree, I wanted to alert you to an issue I had with the Office of Personnel Management when finalizing my annuity. Many years ago a wise mentor of mine told me to save the last leave and earnings...

Comparing Your Income Before and After Retirement

June 23, 2016 After you retire, you’ll find that some of your expenses — such as the cost of commuting or maintaining a professional wardrobe — will go away. But you also might find that you increase your spending in such areas as travel and health care. That’s why it’s important to compare...

Ballparking Your Retirement Benefit

June 16, 2016 Last week, I presented a series of true/false questions to ask yourself to determine if you’re financially ready to retire. One of the questions was whether you had done a “net to net” comparison of your net monthly income while working compared to your net monthly income you will have...

Are You Financially Ready to Retire? A True-False Quiz

June 9, 2016 “You can be young without money,” Tennessee Williams once said. “But you can’t be old without it.” When it comes to planning for retirement, there’s a difference between being eligible to retire and being able to afford it. In working with federal employees, I’ve found that many think they don’t...

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