Author Archive

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.
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.
Retired and confused about Medicare Part B? You’re not alone
From late penalties to premium reimbursements, here’s what every retired fed should understand about enrolling in Medicare Part B—and how it works with your FEHB plan.
- Tammy Flanagan
Think you're ready to tap your TSP? Here's what you might be missing
Before touching your Thrift Savings Plan funds, make sure you understand the rules—and the risks—you might not have planned for.
- Tammy Flanagan
Should you stay or should you go? 10 tips for navigating your federal retirement decision
What to consider—financially and emotionally—before leaving government service.
- Tammy Flanagan
The ‘new deal’ for federal retirement: What the latest FERS proposals really mean for your benefits
Federal retirement has been a hot topic on Capitol Hill lately, with proposed changes sparking plenty of questions. Here’s a look at what’s on the table now.
- Tammy Flanagan
Answers to some of your frequently asked questions about federal retirement
If you're thinking about retiring from federal service, here's what you need to know first.
- Tammy Flanagan
Getting ready to retire
What you should do and how you should approach your retirement and health benefits planning before leaving federal service.
- Tammy Flanagan
Let’s talk about Social Security
How do Old-Age and Survivor Insurance benefits fit into your retirement plans?
- Tammy Flanagan
A crash course in retirement planning
Let's revisit my tips and resources for transitioning from employee to annuitant.
- Tammy Flanagan
Look before you leap from the TSP
For federal employees weighing whether to leave the TSP, five certified financial planners offer their insights on what to be aware of and what flexibilities lay in the private markets.
- Tammy Flanagan
Now or Later
For federal employees trying to weigh whether to retire in the current climate, there are a few things to consider for a sound night's sleep.
- Tammy Flanagan
Too young to retire? What to know about early retirement offers
If you're one of the many federal employees being offered early retirement but are still years away from your Minimum Retirement Age, you may be feeling uncertain and anxious about whether to accept the offer now or wait to see what unfolds.
- Tammy Flanagan
Taxes and the TSP
With many federal employees unexpectedly losing their jobs, now is a good time to review some essential tax rules.
- Tammy Flanagan
Federal retirement planning during uncertain times
Answers to some of your pressing questions.
- Tammy Flanagan
Women, money and retirement
For Women’s History Month, lets talk about some of the statistics around women, savings and assets.
- Tammy Flanagan
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.
- Tammy Flanagan
Anything but boring
A flurry of firings and RIFs has many federal employees looking for answers when it comes to retirement planning.
- Tammy Flanagan
Retroactive benefits from the windfall elimination repeal to begin
Those who are owed should soon start receiving their money.
- Tammy Flanagan
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.
- Tammy Flanagan
Retirement: How to navigate the current chaos
Amid “deferred resignation” turmoil, federal workers are in uncharted territory. Here’s a little guidance.
- Tammy Flanagan
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.
- Tammy Flanagan