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 51-60 of 539

Recoup Some Savings During Open Season

November 27, 2015 I hope that some of you have the day off and are recovering from a wonderful Thanksgiving holiday. If you are shopping today, then you must be looking for a bargain. You need look no further than your annual health benefits open season. There may not be an actual sale...

What You Need to Know about Health and Life Insurance

November 19, 2015 This week, I want to focus on some of the complexities surrounding the continuation of health and life insurance benefits in retirement and answer some readers’ questions, but first I want to clarify a point from last week’s Retirement Planning column. There was some confusion about the number of pay...

You Have TSP Questions; We Have Answers

November 12, 2015 One of my favorite things to do is to answer questions from federal employees and retirees. Last week's column generated a lot of questions and commentary from readers about general retirement processing, Thrift Savings Plan issues and other considerations that affect your retirement funds. So this week I thought I’d...

Don’t Forget to ‘Turn On’ Your Benefits

November 5, 2015 I’m often asked what steps federal employees need to take to receive their benefits after retirement. As with most questions in life, the answer can be complex. Once an employee determines they are eligible for retirement -- and that they can afford to retire -- they must decide how and...

How Divorce or a Job Change Could Derail Your Financial Plan

October 29, 2015 As federal employees close in on retirement, I often get some last minute questions, the answers to which can have a big impact on your post-career life. Here are a few that are at the top of the list: I was divorced during my federal career. How much of my...

Open Season Trick or Treat

October 22, 2015 Since its inception in 1960, the Federal Employee’s Health Benefits Program has offered only two enrollment types, but now it’s finally offering a third option for a family of two. According to the Office of Personnel Management, Self Plus One enrollment allows you to cover yourself and one eligible family...

Looking for Expert Advice? TSP Has It.

October 15, 2015 My previous two columns have focused on working with a financial professional to manage your Thrift Savings Plan investment. But it’s important to know that the TSP itself is a good resource. Today, I will share some tips from TSP Supervisory Training and Liaison Specialist Randy Urban, who took part...

Why Your Retirement Spending Estimates Are Probably Wrong

October 8, 2015 This week, I thought it would be interesting to conduct a roundtable interview with five financial planners who work with federal employees. I spoke with Diana Davis from Money Concepts; Karen P. Schaeffer with KarenSchaeffer Financial, LLC; Micah Shilanski at Shilanski & Associates Inc.; Kristina E. M. Sturgis, with Valenstein...

Who Can You Trust?

October 1, 2015 The Thrift Savings Plan recently sent a brochure to agencies offering guidance for choosing vendors for financial planning events. But federal employees face a similar challenge—finding qualified financial advisors who act in a worker’s best interest as they consider what to do with the TSP after retirement and how to...

Be Ready for the Long Term

September 24, 2015 A few weeks ago, I shared a “Dear Kids” letter from a father to his adult children about the importance of planning for retirement. As I was thinking about that letter, I realized it’s also a good idea to let your family know how you’re preparing for long term care...

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