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
- 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)
- Beware of Scams
Fraudsters are waiting to separate you from your retirement savings.(December 18, 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)
The Big Health Insurance Question
Should federal retirees enroll in Medicare Part B?
(Friday, February 28, 2014)
The TSP’s New Millionaires
The secret to building up $1 million or more in retirement savings.
(Friday, February 21, 2014)
Is the Grass Really Greener?
A look at two case studies of people considering leaving government for the private sector.
(Friday, February 14, 2014)
Don’t Go, Please Stay
Readers weigh in on the benefits of a long-term federal career.
(February 06, 2014)
To Stay or Not To Stay in Government
Advice for a young federal manager considering making the leap to the private sector.
(January 31, 2014)
A Case of Savings Envy
Don’t compare your retirement savings to anyone else’s. Focus on maximizing yours.
(January 24, 2014)
A Different Path for Women
Issues and resources for women to consider in preparing for retirement.
(January 17, 2014)
- The Index: 2014 Edition
The annual guide to all things retirement-related.
(January 09, 2014)