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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.

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
  • 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
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Coming SoonIn DevelopmentTop Priority
VERA / VSIP Decision Report

Compare take-the-offer vs. stay scenarios with pension and separation incentives modeled side-by-side.

This report is in development — not yet available. Get notified when it launches → join the waitlist
  • 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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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.

This report is in development — not yet available. Get notified when it launches → join the waitlist
  • 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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Coming SoonIn Development
New Employee Onboarding Report

Understand your pension, TSP, FEHB, and long-term career value from day one.

This report is in development — not yet available. Get notified when it launches → join the waitlist
  • 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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Coming SoonIn Development
FEHB Open Season Decision Tool

Compare plan options and annual cost tradeoffs during open season. Timed to November.

This report is in development — not yet available. Get notified when it launches → join the waitlist
  • 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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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.

This report is in development — not yet available. Get notified when it launches → join the waitlist
  • 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
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Coming SoonPlanned
Advisor License Suite

White-labeled reports for fee-only planners and benefits consultants who serve federal employees.

This report is in development — not yet available. Get notified when it launches → join the waitlist
  • 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)
Request Early Access →

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.

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