Author Archive

Tammy Flanagan

Tammy Flanagan

Retirement Counseling and Training www.retirefederal.com

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.retirefederal.com and provides individual counseling as well as online training for the National Active and Retired Federal Employees Association, Plan Your Federal Retirement and 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.

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.retirefederal.com and provides individual counseling as well as online training for the National Active and Retired Federal Employees Association, Plan Your Federal Retirement and 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.

Pay & Benefits

Women, money and retirement

For Women’s History Month, lets talk about some of the statistics around women, savings and assets.

Pay & Benefits

Need fast cash? A TSP loan may be the answer

While not ideal, it is an option available to federal employees who need financial help.

Pay & Benefits

Anything but boring 

A flurry of firings and RIFs has many federal employees looking for answers when it comes to retirement planning.

Updated Pay & Benefits

What happens to my insurance when I leave the federal government?

Most of your benefits can be continued in retirement -- if certain conditions are met.

Pay & Benefits

Retirement: How to navigate the current chaos

Amid “deferred resignation” turmoil, federal workers are in uncharted territory. Here’s a little guidance.

Pay & Benefits

The unplanned retirement dilemma

If you hadn’t given much thought to retirement before receiving the Trump administration's "deferred resignation" email on Jan. 28, you may be in for a few surprises—not all of them pleasant.

Pay & Benefits

Figuring out the ‘Fork in the Road’

The Trump administration’s “deferred resignation” offer has federal employees scrambling for answers and facing tough choices.

Pay & Benefits

How to prepare for an unexpected retirement

Some readers with fears about the future of their jobs under the next administration reached out for advice.

Pay & Benefits

The Social Security Fairness Act: What we know so far

It may take time to implement this new law -- here’s what you should know for now.

Pay & Benefits

More! on the windfall elimination provision and government pension offset

Many Civil Service Retirement System retirees are hoping for an early Christmas present from Congress.

Pay & Benefits

What difference does 2.5% make?

Here's what a Dec. 31, 2025 retirement might look like with a 4.5% increase in pay for 2025 compared with only a 2% increase.

Pay & Benefits

Open season and tax savings

Monday is the last day to enroll in or make changes to your benefits for 2025. What are you doing this weekend?

Pay & Benefits

Retirement decisions that can't be reversed

Here are the retirement decisions that require careful consideration since they cannot be changed.

Pay & Benefits

A primer on the FERS supplement

The Federal Employees Retirement System supplement can get complicated, so we answer some of your key questions about it.

Pay & Benefits

Your Open Season Q&A

Open Season begins on Nov. 11 for active and retired federal and postal employees. Let's get you ready.

Pay & Benefits

Revisiting the WEP and GPO

How the Windfall Elimination Provision and the Government Pension Offset cause substantial, and often, unfair reductions in Social Security benefits for CSRS retirees.