Description
The Full Portfolio Retirement Planner is designed for federal employees who want to see their entire financial picture, not just their TSP balance.
Retirement planning often becomes too narrow when employees focus only on their pension or TSP. This workbook helps users bring together multiple accounts and income sources, including TSP, IRAs, Roth IRAs, brokerage accounts, HSAs, savings, pensions, Social Security, spouse income, and other retirement assets.
The tool also helps users evaluate assets, debts, retirement withdrawals, account balances, and long-term income projections in one coordinated view. By looking at the full household portfolio, users can better understand how each piece of their plan supports their retirement income needs.
This planner is especially useful for federal employees with multiple accounts, a working spouse, outside investments, real estate, debt balances, or more complex retirement income goals. It helps move retirement planning from a single-account estimate to a broader, more realistic household strategy.
Software requirements:
This is a Microsoft Excel workbook. For best results, use the desktop version of Microsoft Excel. This file is not designed for Google Sheets, Apple Numbers, or mobile spreadsheet apps.
Important disclaimer:
This tool is for educational and planning purposes only. It is not financial, tax, legal, investment, retirement counseling, or benefits advice. Finance for Feds is not affiliated with OPM, TSP, SSA, or the U.S. government. All estimates depend on user-provided inputs and assumptions. Users should verify retirement benefits with official government sources and consult qualified professionals before making retirement, tax, investment, or benefits decisions.
Digital product notice:
This is a digital download. No physical product will be shipped.
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