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.
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
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