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 391-400 of 558

Endless Summer, Endless Questions

June 26, 2009 How about a few Q&As this week? It seems like most of your recent questions fall into one of three categories: Basic Information Needed The Rumor Mill Help! Let's look at some questions in each category. Basic Information Needed I have worked for 42 years under the Civil Service Retirement...

Setting a Date

June 19, 2009 Remember this old adage? "Give a man a fish and he'll eat for a day, but teach a man to fish and he'll eat for a lifetime." I am going to try that out on the topic of picking the best retirement date. I'll give you the rules and show...

Military Payback: More Questions

June 12, 2009 Until there ceases to be confusion on the subject of military service credit deposits, I'm going to keep writing about it. My recent column, Payback Time, addressed the issue of crediting military service toward benefits under either the Civil Service Retirement System or the Federal Employees Retirement System. The comments...

When You Go

June 5, 2009 Perhaps it is a sign of age or maybe just a sign of the uneasy times we are living in, but the subject of death has come up in several of my conversations lately. Not that anything is wrong or anticipated, but the topic has been on the water cooler...

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...

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