FedHorizon Beta — reports are free while we test calculations and gather feedback from federal employees. Optional paid features are planned after the beta.
Every report in the roadmap starts with a question a federal employee couldn't get answered anywhere else.
Beta
Federal Retirement Decision Report
Compare up to three retirement ages (default 57/60/62, user-editable) with side-by-side pension and income projections. Delivered as a professional, advisor-shareable PDF — twelve sections, fully sourced. Free during beta.
1 Executive summary — your key financial tradeoff stated in plain English
2 Side-by-side comparison — pension, supplement, and TSP balance at three retirement ages
3 Break-even analysis — cumulative lifetime income chart with break-even age explicitly stated
4 Survivor & spouse protection — monthly cost and spouse income for 0%, 25%, and 50% elections
5 Military buyback — deposit amount, payback period, and monthly annuity increase (if applicable)
6 Deferred vs. postponed retirement — annuity reduction modeled and FEHB portability shown
Compare take-the-offer vs. stay scenarios with pension and separation incentives modeled side-by-side.
Parallel-universe modeling — take the offer vs. stay 5 more years, shown side-by-side
VSIP lump sum after-tax value calculated using your filing status and income bracket
Pension delta — what your monthly annuity is at separation vs. at your full MRA
Break-even age — how long you'd need to live for staying to pay off more than leaving
MRA and retirement eligibility check at your separation date
FEHB portability impact — whether your health coverage survives the separation
Designed for the moment a VERA/VSIP offer lands — most windows close in 30–60 days
In development — not yet available. Enter your email and we'll let you know when it ships.
Coming SoonIn Development
Private Sector Offer Comparison
Evaluate whether leaving federal service makes financial sense. Pension present value, FEHB replacement cost, TSP match delta, and salary growth modeled.
Federal pension present value — what your future pension stream is worth in today's dollars
FEHB replacement cost — estimated annual marketplace premium vs. your current federal share
TSP match delta — federal agency match vs. typical private 401(k) employer contribution
Salary growth projection — private offer modeled at realistic growth rates over 10 and 20 years
Total compensation gap — full federal vs. private comparison over your remaining career
In development — not yet available. Enter your email and we'll let you know when it ships.
Coming SoonIn Development
New Employee Onboarding Report
Understand your pension, TSP, FEHB, and long-term career value from day one.
FERS pension projection at 20, 25, and 30 years of service — what you're building toward
TSP match maximization guide — what your agency contributes and when vesting kicks in
FEHB plan selection primer — the key cost factors most new hires don't know to ask about
Career value of your federal benefits package
First financial milestone timeline — what to do in years 1, 3, 5, and 10
In development — not yet available. Enter your email and we'll let you know when it ships.
Coming SoonIn Development
FEHB Open Season Decision Tool
Compare plan options and annual cost tradeoffs during open season. Timed to November.
Side-by-side plan comparison — Self, Self+1, and Self+Family tiers across all available plans
Annual premium cost per plan — your out-of-pocket share at the retiree contribution rate
Estimated total annual cost — premium plus expected out-of-pocket based on your usage profile
Retiree premium preview — what you'll pay post-retirement under each plan option
Medicare Part B coordination flag
In development — not yet available. Enter your email and we'll let you know when it ships.
Coming SoonPlanned
TSP Withdrawal Strategy Report
Monte Carlo probability modeling for TSP withdrawals — see the likelihood your balance lasts to 85, 90, or 95, coordinated with your pension and Social Security timing.
Monte Carlo simulation — 1,000+ market scenarios to show probability your TSP lasts to 85, 90, or 95
Sequence-of-returns risk — how bad early market years devastate a withdrawal strategy
RMD compliance schedule — required minimum distributions mapped to your account balance
Roth vs. traditional TSP drawdown — tax-efficient sequencing based on your income sources
Social Security timing interaction — how delaying to 67 or 70 changes how much TSP you need
In development — not yet available. Enter your email and we'll let you know when it ships.
Coming SoonPlanned
Advisor License Suite
White-labeled reports for fee-only planners and benefits consultants who serve federal employees.
White-labeled PDF reports with your firm's branding
Run full 12-section Federal Retirement Decision Reports for clients in minutes
All report types included — VERA, Private Sector, FEHB Open Season, TSP Withdrawal
Bulk scenario generation — run multiple ages or elections simultaneously
Client management dashboard — organized by client with report history
Built for fee-only advisors (NAPFA/XY Planning Network)
In development — not yet available. Enter your email and we'll let you know when it ships.
Start with what's live. More is coming.
The Retirement Decision Report is live and free during beta. The VERA/VSIP report is next — get notified when it ships.