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Individual Counseling Client

Whenever I read an article by you it makes me smile.   I took at least 3 classes that you taught at the Pension Benefit Guaranty Corporation while employed there from 1995-2012.   Prior to that I attended a class at OPM that you taught.  I retired with 35 years of Federal service under CSRS.

The information I gained has served me well by helping me make decisions.   My wife of 44 years and I have always lived a modest lifestyle and my annuity by itself has allowed us to travel and be debt free.  

One of those lessons was the beginning of the TSP for me in 1990-1991.   I asked my wife if we could join the TSP and place $20 a pay period into the then G fund .   She said “no”.  I received a step increase, and enrolled into the TSP and had the $20 deducted.   She never knew because the step increase hid the $20.   From that point forward, every time I received a promotion, step increase or a January pay raise, I increased my TSP contribution without her knowledge eventually hitting $22,000 a year.  PBGC needed me to work more than 40 hours a week and I earned lots of overtime/straight pay.   I would always get the mail out of the mailbox and she never saw any of the statements until I was on travel and she spotted a statement when she got the mail.

When I came home, she asked me about the TSP.   I told her to open the statement.   She gasped and said where did this come from?    I told her about that $20.   Today I am 70, have close to $500,000 in the TSP fund.  Now my problem is to figure out what to do with it.   I have 3 years to do that.

Another decision was Long Term insurance offered by the Feds that you addressed at a seminar.   At that time it was offered by John Hancock and Met Life.   WAEPA was also offering it and we opted for WAEPA’s coverage because they gave us a discount for insuring both of us.   We still have it and know its there in case we need it.   Because I worked at PBGC, I would take some classes over again every 4-5 years to ensure I was on track for retirement.


We have one son who works for a Federal court in DC for the past 12 years.   With my prodding, he has already accumulated over $200,000 in his TSP all because of what you taught me.  


Our son and his wife had been waiting for over 3 years to adopt.  In mid January 2023, the call came and they brought home a newborn from Ohio.   Three weeks ago they were offered final custody by the Ohio courts during a Zoom conference call.   My wife and I gave them a MD 529 plan for our grand daughter to attend college where we would fund it for the next 18 years.  


You also helped me during my last year I worked as I accumulated hundreds of hours of “comp time” and PBGC’s HR refused to pay me at retirement.   You contacted HR and set them straight. Four weeks after I retired I received a check for over $50,000 (after taxes) for all of my accumulated leave and comp time. 


I just wanted you to know your knowledge and help over 3 decades made an impact for me and my family.  Wish you the best as you continue to share.


Individual Counseling Client

"Karen- Thank you so much for helping me work though the administrative process and for doing the legwork to be able to get an appointment with Herb Casey. The meeting went extremely well. Excellent information and a great help to me. We have some additional work to do but he helped to ensure I am on the right track. Very, very much appreciated!"    


Individual Counseling Client

"Thanks to Tammy's advice, I retired in luxury.  I make more today in retirement than I ever earned working 44 years for the Federal Government.  Only a small portion of that income is from private investments.  

Do not pass up an opportunity to participate in one of Tammy’s retirement seminars.  I retired from NIH in 2012 with a far larger pension package than I was led to expect thanks to Tammy’s seminar and her personal advice.  During the last decade of my 32-year Navy career, I had to convert to a reserve commission to enable some special assignments that included working in DOT and the White House – sometimes in a military capacity – sometimes civil service.  Her seminar showed me how to significantly increase my OPM pension by including those assignments.  In addition, conflicted over a Roth conversion, her organization ran my numbers and confirmed that in my case I would be better off not converting.  Time has proven that advice to be sage as well. "


Individual Counseling Client

"Just a quick note to say thank you (again) for the assistance you provided via email correspondence going back to 2003 as I prepared for 6c retirement from U.S. Customs where I had been a special agent in South FL for many years. I've been retired for 15 years now and I have never forgotten how much your providing a sounding board for my financial plans helped me to enter this phase of life with much less trepidation. (I retired at 51.) The plan has worked splendidly and I'm happy to say that our assets are significantly greater than at retirement, we are completely debt free, own our home and vehicle outright, and are able to meet our expenses via my pension without having to withdraw from our investments. In fact, I save and invest a decent portion of the pension monthly. I'm sure you know how much your counsel has benefited others over the years but I just wanted to send a quick note to let you know that it will never be overlooked or forgotten by me.  Keep up the great work. "


Individual Counseling Client

"Thanks so much for taking the time to share your experience and insights about the retirement process.  I feel like I have a great retirement coach that is both competent and compassionate.  Your guidance and suggestions give me a steady course to pursue my personal retirement plans." 



"Thank you so much for your very informative presentation on retirement benefits. You're obviously very knowledgeable on the topic and a great speaker, but I was also impressed with your patience, generosity, and endurance in answering so many questions during breaks that you were unable to have a break."


Individual Counseling Client

"I feel much more comfortable with my decision to retire. Your counsel made all the difference. Thank you."


Retirement Planning Follower

I wanted to express my appreciation and thanks to Tammy Flanagan for her valuable advice, tips and guidance over the years regarding federal employee retirement! I always read her articles on the site. I am retiring from the DoD on 12/31/2021 and Tammy's articles have helped me plan and get ready for that day.


Individual Counseling Client

My wife and I have found Bob Braunstein to be an outstanding consultant who has made a tremendous difference in our journey toward retirement. He has basically been our retirement tutor. Bob is clearly a seasoned expert, able to address any question we have posed, But what is most impressive is how Bob so skillfully adapts to his clients, In our consultations so far, he has put us at ease about everything. He is generous with his explanations and assures us that what we have discussed will be summarized in writing. Freed from the need for copious note-taking, we can listen more carefully. Bob is a gifted communicator and outstanding consultant. We are thankful for his assistance.

Please let us know one thing that we could do better: Fly us to sunny Florida to consult with Bob in person?!? Seriously, we cannot think of anything that could be done better.

Was the value of the service worth the cost of the consultation?: Yes.

Is there anything else we should know?: Thanks! We hope to continue using Retire Federal services.


Individual Counseling Client

Please let us know one thing that really impressed you: The professionalism from Karen and Bob. The entire process was so smooth and working with Karen and Bob has been such a pleasure with timely and clear communication and the information I have received has exceeded my expectations. I also appreciate the ability to follow up as needed if I have subsequent questions.

Please let us know one thing that we could do better:: This is so hard as it all went so well! Looking back, the most difficult part was feeling confident I was working with a legitimate business and I was going to get good value from the consultation. I tried several options searching the Better Business Bureau but could not find your business. If you are listed, it might be helpful to add the BBB to your web site or at least what information to use if a prospective client wants to find you there. Thank you for having testimonials on your web site as I found those helpful. I want to share that any doubts I had evaporated through the quality of work done by Karen by her timely and clear communication in the intake process as well as wrap-up/survey request. I knew when to expect the zoom link from Bob which came exactly as predicted and the consultation was right on time, exceeded our expectations.

Follow up afterwards was immediate and covered even more helpful information and resources. I am so happy with the overall experience.

Was the value of the service worth the cost of the consultation?: Yes!

Is there anything else we should know?: The face to face consultation and follow-up information was spectacular. All my questions were answered and then some. To further impress us, the follow up information went into more depth than we could in the face to face meeting and exceeded our expectations. Through this process, we obtained medicare information we could not find on our own and I now feel we have information to make an informed decision tailored to our situation. The consultation has also helped me eliminate any concerns I had about making a decision based on partial information as well as eliminate doubts that were created by marketing messages and comments from friends, other federal employees and retirees. Thank you!


Individual Counseling Client

"I was really impressed with the depth of knowledge of the federal retirement process and the diligence of Bob Braunstein (you were on top of it Bob- Thank you ever so much! You really are performing a "labor of love" Tammy- we sincerely thank you for assembling such a tremendous team- from your taking the time to speak with us directly- to the patience and thoroughness of Karen- and to the really personable and meticulousness of Mr. Braunstein

 The process of going through retirement is such a difficult season to experience, what with all the decisions that need to be processed and finalized...and not the least of which is the emotional roller coaster of memories that rumble thru one's mind, as one prepares to embark on a very different direction in life's journey. You folks at RetireFederal made it not only bearable but were very compassionate throughout the process. You are genuinely a class act. 



Individual Counseling Client

"Tammy, I just want to let you know how tremendously helpful my wife and I found the phone consultation with James Marshall.  As I told him, it felt as if we had been through a retirement and federal benefits seminar in which the subject was my wife and I.  

I had no idea that I would get so much information, or that I would get that much detail.  We’re still processing James’ comments, suggestions, and recommendations, and will continue to return back to his report to remind ourselves about what he said.

I had originally asked Marilyn Park, the National VA Council Lobbyist for AFGE (she leads a monthly phone conference for AFGE physicians) for a recommendation about retirement and benefits, and she had referred me to NARFE, which I subsequently joined.  I’ve let Marilyn know about and how pleased we were with James' consultation, so that she can let other docs or union members know."  


Individual Counseling Client

"In my case, pre-retirement counseling not only enabled me to make better decisions with respect to Medicare and survivor benefits, but it also lead me to receiving thousands of dollars I might not otherwise have received. For me it was a sound investment (at a reasonable cost) and I'm hoping I'll have a long and healthy retirement to enjoy it!"


Individual Counseling Clients

"Thank you for the consultation and the additional information.  It all made Mark and I much more relaxed about the retirement process and confident we have covered all the bases!"



"I got more out of this 30 minutes than I have in the past few seminars I attended.”


Individual Counseling Client

I have wonderful news!!! My mom’s checking account received a large deposit this morning from OPM!!  I cannot even tell you how this feels. It is such a relief, and I can feel all that stress and fear starting to dissipate. Now mom can live out her remaining years with dignity and peace.
I am so grateful to God, to YOU Tammy Flanagan, and to Senator Rubio. I can never thank you enough for your kindness and compassion to my mom during this time. It would have never happened without you. Never. 


Individual Counseling Client

Please choose who helped you with your consultation: Bob Braunstein

This would be great for everyone, I will be sharing the good news with my friends and coworkers!

Please let us know one thing that really impressed you: Bob was personable and specific with his answers, he heard us and did not "ramble on ".

Please let us know one thing that we could do better: Our concerns were met and we loved all the attachments sent for digestion after the session.

Was the value of the service worth the cost of the consultation?: Yes.

Is there anything else we should know?: God Bless Mike Causey.

To our valued clients, we appreciate you choosing us to help you with your retirement benefits needs! Please let us know how we did in the form below.


Retire Federal's team is committed to providing a professional and worthwhile experience for our clients.  Tammy Flanagan and her team promise 100% satisfaction!  Our service doesn't always end when the meeting ends. We offer follow up Q & A's for all of our clients as well as opportunities for a refresher consultation at a future date in the event that there are changes in your situation or changes in your heart and mind regarding your plans for the future.  We like to hear how we're doing! 

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Our "Members Only" page, launching in early 2022, will be available to all of our past, present and new clients who would like exclusive access to Retire Federal's  retirement and benefits resources.  Sign up now to be the first to learn about the launch!

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