Back in the day, before you-know-what, there were best days to retire scattered throughout the years. There are times in December and January when you can get higher payments for your unused annual leave, and lower your taxes at the same time. Or times mid-year when it pays, literally, to retire then and not the day before or after. Also there are things you can do right now, whether you’re 25 years old or 80 years old, to make retirement better.

So who knows best?

We’ve got the answer: Tammy Flanagan, federal benefits expert to the stars (and you too) and she’s my guest today on our Your Turn radio show. Tammy discovered the best-day-to retire concept. She worked for the FBI and her husband is a Secret Service retiree, so she knows the law enforcement side of retirement as well as the maze that regular Civil Service Retirement System and FERS employees must go through.