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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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...

Beware of Hucksters

September 17, 2015 I’ve conducted a lot of retirement planning seminars over the course of my career. I’ve taught at least 3,000 federal employees the basics about their benefits in the past year -- over 100,000 during my career. There aren’t very many of us who conduct such classes for federal employees, so...

Risk and Retirement: Managing Your TSP Investment

September 10, 2015 A new law requires the Thrift Savings Plan to invest the automatic contributions of recently hired federal employees into an age-appropriate lifecycle fund. Eric Katz outlined this change to the TSP under the Smart Savings Act, which President Obama signed into law in December 2014. The G Fund previously was...

Pay Attention: Nobody Else Is Going to Fund Your Future

September 3, 2015 It's never too early to start planning for retirement. I recently was copied on a letter from a dad (federal employee, Scott Stoddard) to his four children after a recent family reunion. Here is what he said: Dear Kids, Please seek retirement counseling ASAP–as early on in your career as...

Best Dates to Retire 2016

August 27, 2015 Download the Best Dates to Retire 2016 Calendar Are you financially ready to retire? Will all of your sources of retirement income -- federal retirement benefits, Social Security, Individual Retirement Accounts and other savings -- cover your ongoing expenses? Will you be able to make them last for the next...

Quiz: How Ready Are You To Retire?

August 20, 2015 More and more federal employees are taking a hard look at just how ready they are to retire. If you’re among this group (or even if you’re not -- yet), we’ve developed a tool that can help you figure out where you stand. The Retirement Readiness Assessment debuted last year,...

The High Cost of Health Coverage

August 13, 2015 Last week, we looked at some expenses to watch out for in retirement. This week, let’s explore one area in which you can be almost certain your costs will increase over time: health care. There are several reasons why this is the case: Many Americans are going to live a...

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