Author Archive

Tammy Flanagan

Retirement Counseling and Training

Tammy Flanagan

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 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.

For more retirement planning help, tune in to "For Your Benefit," presented by the National Institute of Transition Planning Inc. live on Federal News Radio on Mondays at 10 a.m. ET on WFED AM 1500 in the Washington-metro area. Archived shows are available on


Second thoughts on retiring this year

Inflation makes a would-be retiree feel like a deer in the headlights.

Financial Planning

The difference between a COLA and a pay raise

And why you won’t get the full effect of either if you retire on Dec. 31, 2022.


Life insurance for retirees

The rules and options for continuing your coverage into retirement. 


When to leave to maximize your lump sum annual leave payment

Federal retirement expert Tammy Flanagan details the best dates to retire in the coming years to get the most out of what you’re owed for unused time off.


These agencies are trying to get better at providing retirement service

Three key organizations are working to better customer experience for federal employees and retirees.