If you're like most people, you probably have, or will, spend more time deciding how, when and where you'll retire than you did deciding how, when and where you would spend the majority of your career. Knowing what to ask is very important. Knowing the answers is critical. Where to start? Relax, we'll come to you. Benefits expert Tammy Flanagan is the guest this week. The Your Turn radio show airs at 10 a.m. EDT on 1500 AM in the Washington, D.C. area and www.federalnewsnetwork.com.