The Report

Every dimension of your retirement in one document.

The Federal Retirement Decision Report is FedHorizon's flagship product. Eleven sections. OPM-sourced formulas throughout. Designed to bring to your advisor and support your decision conversation.

Eleven sections

What's in every report

Every section is built on OPM-sourced formulas — no black box, no unexplained numbers.

Federal Retirement Decision Report — Section 2
OPM formula engine
Diane Morales
GS-13 Step 8 · USDA · 28 yrs service · FERS · Age 57
Default: 57 / 60 / 62
Section 2 — side-by-side comparison
Age 57 (MRA)
$3,180
/ mo · yr 1
Age 60
$3,785
/ mo · yr 1
Age 62
$4,632
/ mo · yr 1
Section 2 — income breakdown (age 60)
FERS basic annuity$2,524 / mo
FERS Supplement (to 62)$1,040 / mo
TSP drawdown (conservative)$620 / mo
High-3 salary$108,200
Sick leave credit (1,240 hrs)+8 months
Break-even vs. age 62Age 77
Report sections
1 Executive summary2 Side-by-side3 Break-even4 Survivor election5 Military buyback ↗6 Deferred/postponed ↗7 FEHB eligibility8 Three-Legged Stool9 Net monthly income10 Methodology11 Risk & sensitivity
Calculations use OPM-sourced FERS formulas. All assumptions disclosed in Section 8. This report is informational only — not financial advice. Verify with your agency HR office before making retirement elections.

Sample report — illustrative data only

1
Executive summaryEvery report
Plain-English narrative leading with your key finding. e.g. "Retiring at 62 instead of 57 increases your monthly pension by $847. The break-even point is age 77."
2
Side-by-side comparisonEvery report
Monthly FERS annuity, supplement, total income, and TSP balance at each of three retirement ages. Default 57/60/62 — user-editable.
3
Break-even analysisEvery report
Cumulative lifetime income per scenario. Break-even age stated clearly. FERS Supplement head start shown explicitly.
4
Survivor & spouse protectionEvery report
0% / 25% / 50% election modeled. Monthly cost, spouse income, and break-even age per election.
5
Military buyback analysisWhen applicable
Triggered by prior military service input. Deposit amount, interest to date, payback period, and monthly annuity increase.
6
Deferred vs. postponed retirementWhen applicable
Triggered by early separation or MRA+10 inputs. Annuity reduction modeled, FEHB portability shown, break-even comparison presented.
7
FEHB retirement eligibilityEvery report
5-year continuous coverage rule checked. Gap risk identified. Remediation timeline shown. Medicare Part B coordination at 65 addressed.
8
Three-Legged Stool AnalysisEvery report
FERS pension, estimated Social Security (at ages 62/67/70), and projected TSP drawdown shown side-by-side per scenario. Quantifies total retirement income across all three legs — a figure most federal employees have never seen combined.
9
Net Monthly Income ProjectionEvery report
Translates gross pension into the estimated monthly deposit by applying FEHB premium, federal tax withholding, Medicare Part B (age 65+), and survivor benefit cost. Displays 'Estimated Monthly Deposit' per scenario.
10
Assumptions & methodologyEvery report
Plain-English explanations generated from validated outputs. Every assumption disclosed. OPM source cited per formula. Reliance disclaimer embedded.
11
Risk & sensitivityEvery report
High-3 variance, longevity, FERS COLA cap, TSP return sensitivity, earned income test, legislative risk. Fee-only advisor recommendation with NAPFA reference.

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More reports coming

FedHorizon doesn't stop here.

The Federal Retirement Decision Report is the flagship — but federal careers have more decisions than one. See the full roadmap →

Phase 2 · Top priority
VERA / VSIP Decision Report
Take the offer or stay? Parallel-universe modeling with pension delta, after-tax VSIP value, and break-even age.
Phase 2 · Coming soon
Private Sector Offer Comparison
Pension present value, FEHB replacement cost, and TSP match delta — the full picture before you leave federal service.
Phase 2 · Coming soon
New Employee Onboarding Report
Pension projection, TSP match guide, and career value of your benefits package — built for your first 30 days.
Phase 2 · Seasonal
FEHB Open Season Decision Tool
Side-by-side plan comparison with annual cost and retiree premium impact. Timed to November open season.
Phase 3 · Later roadmap
TSP Withdrawal Strategy Report
RMD compliance, Roth vs. traditional drawdown, and Social Security timing — for when you're ready to take income.
Phase 3 · B2B
Advisor License Suite
White-labeled PDF reports for fee-only planners who serve federal employees.