See your entire retirement picture—not just your TSP.
The Full Portfolio Retirement Planner helps federal employees look beyond a single account and understand how all of their assets work together. This workbook allows users to model TSP balances, IRAs, Roth IRAs, brokerage accounts, HSAs, cash reserves, pensions, Social Security, spouse income, liabilities, and retirement withdrawals in one coordinated projection. Instead of guessing whether their total financial picture is strong enough to support retirement, users can see how their income sources, investment accounts, spending needs, and withdrawal strategy interact over time. It is designed for federal employees who want a more complete, household-level view of retirement readiness.-
Understand the true cost and value of protecting your spouse in retirement.
At retirement, federal employees must make a critical survivor benefit decision that can affect both household income and a spouse’s ability to maintain FEHB coverage. This decision matrix compares the maximum survivor benefit, partial survivor benefit, and no survivor benefit options in plain dollars. Users can see the monthly pension reduction, projected long-term cost, survivor income protection, and FEHB implications of each election. Rather than treating the survivor benefit as just another retirement form, this tool helps users understand the real trade-off between keeping more pension income today and protecting a spouse’s financial security tomorrow. -
Estimate your federal retirement bridge income before age 62.
The FERS Special Retirement Supplement can be one of the most valuable—but most misunderstood—benefits available to eligible federal retirees. This estimator helps users calculate their potential monthly supplement based on their estimated age-62 Social Security benefit and years of FERS civilian service. It also includes an earnings test simulator so users can see how post-retirement wages may reduce or eliminate the supplement before Social Security begins. For federal employees considering retirement before age 62, this tool helps clarify how much bridge income they may receive and how outside work could affect that benefit.
