Our story
Federal employees make the most consequential financial decision of their careers — when to retire — with an outdated OPM calculator, a generic HR pamphlet, and a spreadsheet someone emailed them years ago. FedHorizon is the tool that should have been there from the start.
The founder
I've been a federal employee for over a decade — FERS-covered, same benefits system you're navigating right now. I've watched colleagues face the retire-at-57-vs-62 question, the survivor election, the VERA window, the military buyback decision — every one of them without a single tool that could model the actual numbers.
They'd ask HR and get a pamphlet. They'd call OPM and get put on hold. They'd hire a financial advisor who charged $400/hr and didn't fully understand FERS. The ones who had side-by-side modeled numbers made better decisions. Most didn't have them.
“I built FedHorizon because I was tired of watching smart people make a $400,000 lifetime decision based on a guess. Federal employees deserve the same level of analysis that people with private-sector financial advisors take for granted.”
FedHorizon is a product of Northsight Holdings LLC. It is not affiliated with OPM, the U.S. government, or any federal agency.
Why we built it this way
Every number in a FedHorizon report comes from a deterministic formula — built directly from OPM's published CSRS/FERS Handbook and regression-tested against OPM's own examples. The AI in the report translates your numbers into plain English. It does not touch the math.
This matters because for a decision worth hundreds of thousands of dollars over a lifetime, “the AI calculated it” is not good enough. You should be able to trace every number back to a published OPM source. Every FedHorizon report includes a full methodology section — Section 10 — that shows exactly that.
Not financial advice
FedHorizon is a decision-support tool. It gives you the modeled numbers so you can walk into a conversation with a financial advisor, your HR office, or your family with clarity — not a guess.
It is not a financial advisor. It is not affiliated with OPM. All outputs are estimates based on publicly available OPM formulas and the inputs you provide. Actual benefits are determined by OPM based on your official service record at the time of retirement. For guidance on your specific situation, consult a fee-only financial advisor who understands federal benefits.
The free FERS pension estimate runs directly on this page — results appear instantly. The full 12-section report is coming soon.