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 371-380 of 534

Payback Time

May 29, 2009 It's the end of a short week for most federal employees that began with Memorial Day, on which we remember our fallen soldiers. Some of you no doubt raised the American flag in front of your house, or tended to the grave of a family member who died in service...

Voluntary Contributions Revisited

May 22, 2009 With apologies to readers in the Federal Employees Retirement System, this week's subject is of special interest to Civil Service Retirement System employees who are looking for a place to shelter money from income taxes. The subject is the Voluntary Contributions program, which I last wrote about three years ago....

Long-Term Change

May 15, 2009 As you may have heard by now, the Office of Personnel Management has signed a new contract with John Hancock Life and Health Insurance Co. to provide insurance for the Federal Long-Term Care Insurance Program's second seven-year contract term. John Hancock has been a 50 percent joint insurer since the...

Special Considerations

May 8, 2009 Several groups of federal employees -- such as air traffic controllers, law enforcement officers and firefighters -- are subject to mandatory retirement laws requiring them to leave their jobs at a relatively young age. The good news is they can begin immediately collecting their retirement benefits. Many of these young...

Midcareer Considerations

May 1, 2009 Hundreds of thousands of federal employees are within striking distance of retirement eligibility, but many more who are further than 10 years away. This is when midcareer planning begins. One loyal reader of this column, Brenda, recently sent me an e-mail with some specific questions about her midcareer planning. Here's...

When To Go (FERS Edition)

April 24, 2009 In last week's column, we explored the issue of whether and when employees under the Civil Service Retirement System should consider retiring. This week, let's look at it from the perspective of those under the Federal Employees Retirement System. FERS has three sources of retirement income: a basic benefit, a...

Putting It Off

April 17, 2009 Across government and throughout the private sector, people are reconsidering their plans to retire because of the tough economy and an uncertain future. How much will you really gain by postponing your plans to retire? How much difference will it make if you quit and start a second career? The...

Understanding Social Security

April 10, 2009 It's important for all of us to know how Social Security works, but not too many people find it fascinating enough to spend a Saturday afternoon studying it. Luckily for you, I'm one of those people. Let me see if I can capture your attention with some questions and answers...

No Fooling

April 3, 2009 Do you fall into one of the following categories? Interested in crediting unused sick leave towards the computation of your retirement benefit under the Federal Employees Retirement System. Considering (or already) working part-time under the Civil Service Retirement System. Had a break in federal service, took a refund of your...

Leave: Take It Or Lump It?

March 27, 2009 I received an e-mail the other day about a common situation facing those about to retire: I plan to retire under the Civil Service Retirement System this year. My plan was to take my annual leave (at least my 240 hours that I carried over from last year), extending my...

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