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)
- The Index: 2014 Edition
The annual guide to all things retirement-related.
(January 09, 2014)
- Greatest Hits of 2013
Some of the most popular Retirement Planning columns of last year, on subjects ranging from the best date to retire to signs that you're not ready to move on.
(January 03, 2014)
- How Much TSP Can You Take?
Addressing how to take distributions from your account in retirement, along with other questions.
(December 20, 2013)
- Spared from Pension Hikes
Responses to your questions on potential benefit cuts and other issues
(December 13, 2013)
- Getting Something For (Next to) Nothing
The benefits (and pitfalls) of high-deductible health plans.
(December 06, 2013)
- Five Steps to Picking a New Health Plan
A handy guide to navigating the process.
(November 22, 2013)
- What Is Your Full Retirement Age?
The decision about the best time to retire is different for everyone.
(November 14, 2013)
- Beyond the Horror Stories
Some tales of filing the paperwork to retire have a happy ending
(November 08, 2013)
- The Incredible Shrinking COLA
This year's small retiree cost of living adjustment could be a harbinger of the future.
(November 01, 2013)
- 5 Reasons to Consider Changing Your Health Plan
Hardly any federal employees do during open season. Why not?
(October 25, 2013)
- 7 Signs You're Not Ready to Retire
The telltale indications that it's not time to move on just yet.
(October 18, 2013)
- Financial Focus in a Time of Uncertainty
Help for the furloughed -- and others feeling the pinch.
(October 11, 2013)
- Furloughs and Your Retirement
The impact of a shutdown on the Thrift Savings Plan
(October 04, 2013)
- Leave It or Roll It?
What to do with the money in your TSP when you retire
(September 26, 2013)
- Retirement 101: Start Planning Now
You should know how your benefits are calculated and how much you'll need to save
(September 20, 2013)
- Social Security: What's In It for You?
What you might not know about how the system works
(September 13, 2013)
- A New Tool from the TSP
Estimating your retirement income just got a lot easier
(September 06, 2013)
- How Does Your Retirement Stack Up Against a Former President's?
News flash: The nation's former leaders get some perks the average federal employee doesn't.
(August 30, 2013)