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.
What to expect while you’re expecting (your retirement benefit, that is)
The OPM director uses his weekly updates to detail efforts to replace paper applications, guide employees through the Online Retirement Application system, and address delays and data issues in retirement processing.
- Tammy Flanagan
Some good news for federal employees: TSP shows steady growth and healthy fund performance
The Thrift Savings Plan has surpassed $1 trillion in assets, providing steady returns in 2025.
- Tammy Flanagan
The end of the ‘Fork in the Road’
A new online retirement system, coupled with record summer claim volumes, has created delays and confusion for federal employees transitioning to annuitant status, even as OPM works to streamline processing and reduce errors.
- Tammy Flanagan
The best dates to retire in 2026
Step into retirement on the right day with this annual guide.
- Tammy Flanagan
What to know before setting your 2026 retirement date
Immediate vs. deferred retirement, the three-day rule, and why the last day of the month often makes the most sense.
- Tammy Flanagan
The milestone ages that matter most for retirement planning
From catch-up contributions to required distributions, federal employees face key ages that can shape retirement income, benefits and tax planning.
- Tammy Flanagan
Important dates for Social Security and Medicare
Key milestones and deadlines every beneficiary should know
- Tammy Flanagan
Did you forget to file for Social Security?
Federal employees older than 70 may be leaving thousands on the table. Find out if you or your spouse are missing Social Security benefits.
- Tammy Flanagan
Bill would give all workers federal-level retirement benefits
A sweeping proposal could extend Federal Employees Retirement System–level pensions to the private sector, reshaping how Americans plan for retirement.
- Tammy Flanagan
As Social Security turns 90, lessons from the past can guide its future
From hurricane preparedness to policy reform, history shows how learning from past challenges can shape a stronger Social Security system moving forward.
- Tammy Flanagan
How federal employees can check if their retirement estimate is accurate
Estimating your post-retirement income isn’t just math, it’s about getting the right data, understanding your service credit and avoiding costly missteps.
- Tammy Flanagan
Why federal retirements are spiking this year
A sharp rise in retirement claims may be tied to fear instead of planning. If you're eyeing the exit, make sure you're not rushing into something you'll regret.
- Tammy Flanagan
OPM’s digital retirement application is live. What that means for feds planning to retire
The new electronic retirement system promises a faster, more accurate process, but some users are still adjusting to the change.
- Tammy Flanagan
What’s really going on with Social Security? Here’s what the latest numbers say
Benefits won’t disappear in 2033, but the clock is ticking. Here’s what federal retirees need to know.
- Tammy Flanagan
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