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.

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Diminishing Returns

August 19, 2011 Last week, I wrote about steps you can take to make sure the processing of your retirement benefits goes as smoothly as possible. Of course, even if you do everything the right way, sometimes you end up with an interim benefit much smaller than you expected, or with a computation...

Smooth Sailing

August 12, 2011 Are you one of the thousands of federal employees who will be retiring during the next year? If you're lucky, your transition will go something like my aunt's and uncle's, who left government in the late 1970s under the Civil Service Retirement System. They filled out their applications about 30...

Social Security Trade-Offs

August 5, 2011 Last year around this time I wrote a column on the best time to apply for Social Security retirement benefits. My advice boiled down to answering the following three questions: Are you still working? Do you need the money? How is your health (how long will you live)? One thing...

Early Outs

July 29, 2011 This week I presented my second webinar for Government Executive and was amazed by how many of you tuned in to learn more about your retirement! Thank you for taking time out of your day to join in. I am glad employees are making sure they understand the benefits associated...

Safety Net

July 22, 2011 I recently received an email from Daniel, a Civil Service Retirement System employee, who is getting ready to retire. He's trying to decide whether to take a full survivor annuity for his wife, or choose a partial annuity and then purchase a universal life insurance policy with the money he...

Summer Assignment

July 15, 2011 It's summer and school is out, but remember those summer reading assignments and educational family vacations? I used to make my kids keep a journal -- now cherished keepsakes -- complete with drawings and postcards. Your assignment: Pull together the information someone would need to access your benefits and take...

What Congress Gets

July 8, 2011 You may have received an email recently from someone who is trying to start a petition to get members of Congress to pay into Social Security like other Americans. Or maybe you've gotten the one that says members of Congress receive their congressional salary for the rest of their lives...

Officers’ Options

July 1, 2011 Last week I had the honor of being a presenter at the annual Women in Federal Law Enforcement leadership and training conference. This gathering of more than 750 female federal law enforcement personnel was an inspiring event. It is amazing to think that when I started my own federal career...

Another Look at Annuities

June 24, 2011 When the time comes to withdraw money from your Thrift Savings Plan, one of the options is to use some or all of the money in your account to purchase a life annuity from a vendor (currently MetLife). Using Form TSP-70, you can request a series of monthly payments directly...

Midterm Quiz

June 17, 2011 It's the middle of the year and I thought it might be fun to review some of the topics I've written about so far in 2011. So here are two true-false quizzes: one for employees covered under the Federal Employees Retirement System and another for those under the Civil Service...