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
- 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)
- 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
- 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)