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Federal Employee's Resource Center

Retirement Planning Services is an educational company that primarily provides professional pre-retirement, mid-career planning and financial planning training seminars to US Government agencies throughout the country. Retirement Planning Services is led by Gerald A. Cannizzaro, president.

As part of Mr. Cannizzaro's  30+ years of experience in the financial advisory and investment research fields, he is considered an expert on the Federal Retirement and Benefit programs.   He has conducted over 700 seminars for Federal employees since 2000.  From Laurel to Fort Meade to the Washington Navy Yard to New York and to San Francisco, Mr. Cannizzaro has visited over 30 agencies, including: DOD, DOT, Justice, The Executive Office of the White House, HHS, NIH, Secret Service, FDA, SS, NRC, FCC, FTC and many others in this 19-year period.  He has also conducted seminars for a number of Federally-related conferences throughout the US (for example, two Federal Agency Dispute Resolution Association Annual Meetings). His expertise and advice is frequently solicited by news and print media on a large range of Federal Benefit issues and topics.

Planning Documents
  • Financial Report Card Planning Tool
    Work with this RPS Excel workbook to develop your 1) Personal Net Worth Statement; 2) Retirement Income Comparison; and 3) Retirement Expense Comparison
  • Can You Afford to Retire?
    Commentary by Karen P. Schaeffer, CFP, Courtesy The National Institute of Transition Planning, Inc. 
  • Joint Asset Allocation Planning Tool
    RPS Excel worksheet that provides sample Joint Asset Allocation Plan (One Federal & one Non-Federal Employee) as a template to determine your own asset allocation
  • Asset Allocation Charts - Federal Employees & Private Industry
    Sample allocations for Married Federal Employee with non-Federal spouse & FERS Pension; Click here
    Single or Two married Federal Employees & CSRS Retirement; and Private Industry various age groups with no defined pension. Click here
  • Phased Retirement for Federal Employees
    This RPS analysis explains this new program that allows Federal workers to retire from part of their employment, while continuing the remainder and continuing to earn additional retirement benefits proportionately based upon the additional less-than-full-time employment.
  • Catch-up Contribution Considerations for Federal Employees
    This RPS analysis provides an overview of IRS rule changes that allow Federal workers, aged 50 or over, to make "catch-up" contributions to their individual plans.
  • Federal Employees: Are you in the right retirement plan?
    (Commentary by Bob Braunstein, Federal Retirement Benefits Counselor, Courtesy The National Institute of Transition Planning, Inc.:

In the Know

"In-The-Know" is a monthly e-newsletter column produced by the National Institute of Transition Planning (NITP).  It is written by experts on topics of interest to Federal Employees. The subjects vary from the latest Congressional legislation and its impact on Federal retirement benefits to tips on your finances and health and well being.   Recent newsletters are included here for ease of reference.  For more information on the National Institute of Transition Planning—and for all archived newsletters—visit their website at

  • Did You Know?
    James Marshall, Federal Benefits Specialist
    September 201
Tammy Flanagan (Weekly Column)

Tammy Flanagan is the Senior Benefits Director for the National Institute of Transition Planning, Inc. which conducts Federal Retirement Planning Workshops and Seminars. Ms. Flanagan has spent 25 years helping Federal employees take charge of their retirement by understanding their benefits and planning for the future. Since January 2006 she has been writing a weekly column for Government Executive on the many topics related to planning for retirement. They are reposted here for ease of reference. For a complete listing of her commentaries see

  • Should You Take a Buyout?
    With agencies under orders to downsize, it’s becoming more than a hypothetical question.
    (April 20, 2017)
  • Will Social Security Last?
    Assessing the long-term prospects for the program, and how it fits into your retirement plan.
    (April 13, 2017)
  • Timely Tax Tips
    It’s important to think through the tax implications of retiring from government
    (April 6, 2017)
  • The Saving of the Green
    There’s more than one way to achieve a financially secure retirement.
    (March 16, 2017) 
  • TSP Withdrawal Tips
    Thinking through what to do with your savings when you retire.
    (March 2, 2017)
  • Pay Raise Considerations
    The 2017 increase is in effect. Have you considered boosting your retirement savings?
    (February 2, 2017)

  • Social Security Confusion
    A case where not knowing the precise terminology to use led to a miscommunication.
    September 15, 2016
  • What If...?
    Readers weigh in on the potential of needing long-term care, and the insurance to cover it.
    May 05, 2016

2015 Articles

  • Open Season Trick or Treat
    It’s time to take a close look at your healthcare expenses for 2015 and consider ways to lower them in 2016.
    (October 22, 2015)
  • Who Can You Trust?
    If you hire a financial planner, make sure they’re qualified and put your interest above their own.
    (October 01, 2015)
  • Be Ready for the Long Term
    No one knows what the future holds, but that doesn't mean you can't prepare. Here's what I'm telling my children.
    (September 24, 2015)
  • Beware of Hucksters
    Why you should consider creating a retirement club at your agency
    (September 17, 2015)
  • Get Counseling
    Some agencies are falling down on the job of providing retirement information to their employees.
    (July 30, 2015)
  • A Rude Annuity Shock
    When a survivor benefit turns out to be much smaller than expected.
    (July 02, 2015)
  • The TSP Quiz
    How well do you know the Thrift Savings Plan?
    (June 25, 2015)



  • Not Exactly Getting Rich
    A look at how the Windfall Elimination Provision can dramatically affect retirement income.
    (May 07, 2015)





  • Don’t Mess With the G Fund
    A House proposal would fundamentally change the Thrift Savings Plan’s “safe” investment fund.
    (April 09, 2015)










  • Neither CSRS nor FERS
    There are lessons for all federal employees from those in an oft-overlooked system.
    (February 05, 2015)




2014 Articles


  • Beware of Scams
    Fraudsters are waiting to separate you from your retirement savings.(December 18, 2014)


  • The TSP by the Numbers
    A snapshot of the $431 billion federal retirement investment plan.
    (December 11, 2014)






  • Trick or Treat
    Of pay raises, COLAs and other spooky subjects.
    (Thursday, October 30, 2014)






  • Ready, Set, Go
    Be sure you have all your ducks in a row well before your retirement date.
    (‎September ‎18, ‎2014)



  • Retired and Rehired
    If phased retirement isn’t for you, there are other ways to keep working for government after retiring.
    (September 04, 2014)









  • Take Charge of Your Retirement
    A look at your responsibilities in the retirement process, along with those of your agency and the Office of Personnel Management.
    (May 08, 2014)




2013 Articles





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