AUTHOR ARCHIVES

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 www.tammyflanagan.com 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 NITPInc.com.

Results 21-30 of 538

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...

How To Make Sure You Get What You Deserve

June 2, 2016 You don’t need to become a retirement specialist to adequately prepare for your post-government years. But it is important to become familiar and confident about the retirement benefits you’re entitled to receive based on your federal career. The best safeguard against any kind of mistake in calculating your benefits is...

Sometimes, Your Benefit Really Is Too Small

May 26, 2016 I love it when a story has a happy ending, don’t you? Some of you may remember last year I wrote about a widow named Janet who was the surviving spouse of a Civil Service Retirement System-Offset retiree. Janet suspected she was being shortchanged by a significant amount in her...

Getting the Best Deal on Life Insurance

May 19, 2016 Last week, we looked at the options available under the Federal Employees Group Life Insurance program. Now let’s see how the plan stacks up against other alternatives. Federal employees are required to pay two-thirds of the premium rate for basic FEGLI coverage, while employers in the private sector generally cover...

The Other Open Season This Year

May 12, 2016 Earlier this year, I wrote about a rare event coming up this fall: an open season for the Federal Employees Group Life Insurance program. FEGLI is the largest group life insurance program in the world, covering over 4 million federal employees and retirees, as well as many of their family...

What If...?

May 5, 2016 Last week, I told a cautionary tale about the costs of long term care and the Federal Long Term Care Insurance Program. The column drew a lot of response. Some of you wanted to know more about the possibility of self-insuring against the need for long-term care. According to an...

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