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Product roadmap

What FedHorizon is building.

Every report in the roadmap starts with a question a federal employee couldn't get answered anywhere else.

FlagshipLive
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. $19.

  • 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
  • 7 FEHB retirement eligibility — 5-year coverage rule check, gap risk flagged, Medicare coordination
  • 8 Three-Legged Stool — FERS pension + Social Security (ages 62/67/70) + TSP drawdown combined
  • 9 Net monthly income — estimated bank deposit after FEHB premium, taxes, Medicare, and survivor cost
  • 10 Assumptions & methodology — every formula source cited, all assumptions disclosed
  • 11 Risk & sensitivity — FERS COLA cap, TSP return variance, longevity, legislative risk
  • 12 Prioritized action plan — concrete next steps ranked by financial impact
Get the Report \u00b7 $19 →
Phase 2 · Top PriorityTop Priority
VERA / VSIP Decision Report

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
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Phase 2 · Coming Soon
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
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Phase 2 · Coming Soon
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
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Phase 2 · Seasonal
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
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Phase 3 · Later
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
Get notified when this launches →
Phase 3 · B2B
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)
Get notified when this launches →

Ready to see your numbers?

Try the free estimate now or get early access to the full retirement report.

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