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

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Winning the Three-Legged Race to Financial Security

March 24, 2016 Financial planners have long used the term “three-legged stool” to characterize retirement income, which traditionally has been based on a pension, Social Security benefits and personal savings. For many private-sector employees, the first leg of that stool is a thing of the past. But many current and future federal retirees...

Tips and Tricks for a Smoother Retirement

March 17, 2016 According to the Office of Personnel Management, as of fiscal 2014, 2.7 million federal employees were covered under one of the government’s two main retirement systems -- the Civil Service Retirement System and the Federal Employees Retirement System. At this point, more than 90 percent of them are in FERS....

Breaking Up Is Hard To Do

March 10, 2016 Sometimes, life comes with unpleasant surprises. From a financial planning and retirement preparation perspective, one of the most difficult is divorce. This week, I asked Dan Jamison, a CPA and retired FBI special agent, to share some information that might help those going through this process. Dan specializes in assisting...

A Fresh Look at How Much Money You Need To Retire

March 3, 2016 The Government Accountability Office this week released a report assessing the latest data on how much income people need in retirement. The study sought to evaluate how retirement replacement rates are developed to gauge whether a target of 80 percent of pre-retirement income is accurate for employees to use when...

The New Rules of the Social Security Game

February 25, 2016 A couple of weeks ago I wrote about changes to Social Security claiming strategies for couples that are taking effect in 2016 after passage of budget legislation late last year. There was not a lot of clarity about the new law at the time, but things have become clearer because...

Another Chance for Health Plan Changes

February 18, 2016 Except under certain defined circumstances, such as marriage or the birth of a child, you’re ordinarily not allowed to change your Federal Employee Health Benefits Program coverage outside of the annual open enrollment period. But this year, until the end of February, you may have such an opportunity. It’s all...

TSP Tax Tips

February 11, 2016 As you probably are well aware, the federal Thrift Savings Plan is about retirement savings. But it’s also about taxes. The money you put away in the TSP for your retirement years gets preferable tax treatment to provide you with a greater incentive to save now for your retirement later....

Changing Stakes on Claiming Social Security

February 4, 2016 As a result of a surprise move by Congress late last year, two popular strategies that can maximize Social Security retirement benefits are coming to an end. The problem, according to the Social Security Administration, is that use of the strategies “allowed couples with financial means to obtain additional or...

A Rare Open Season For Life Insurance

January 28, 2016 Each new year brings changes to federal employee and retiree benefits. One this year that will affect almost all employees is the change in Federal Employees Group Life Insurance premiums and a rare open season for life insurance. The last FEGLI open season was in 2004, in connection with the...

The List: A Retirement Resources Guide

January 21, 2016 Last week, I presented The Index, my annual guide to past columns. This week, it’s The List: a compilation of resources that I use on a daily basis to back up what I say to you and to any federal employee that asks me a retirement benefits question. These resources...

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