The platform

One workspace for every federal client

Each client file flows through every module, so the numbers you enter once power the pension, TSP, FEGLI, health, Social Security and lifetime income views — and the AI sees the whole picture.

1 · Client file & document reader

  • Upload an LES, SF-50, TSP statement, Social Security statement or OPM annuity statement (PDF or photo)
  • AI extracts salary, pay plan, retirement code, FEGLI code, SCD, sick leave, TSP balances and fund mix
  • Every field is editable and saved to the client's file

2 · FERS pension & eligibility

  • MRA table, MRA+30, 60+20, 62+5, MRA+10 with 5%/year reduction and postponement
  • VERA / discontinued-service, deferred, special provisions (LEO, FF, ATC, CBPO, couriers)
  • 1.1% multiplier at 62 with 20 years; 1.7% special-provision formula
  • Sick-leave credit, military buyback years, part-time proration, survivor elections

3 · Retirement date comparison

  • Compare any ages side by side: eligibility type, reduction, pension, supplement and total
  • Projects additional service, sick leave and pay raises to each date

4 · FERS supplement

  • Social Security at 62 × FERS civilian years ÷ 40
  • 2027 earnings test ($25,560 exempt, $1 per $2) applied after MRA year

5 · TSP accumulation & withdrawal

  • Agency 1% + match, traditional/Roth split, catch-up including the ages 60–63 limit
  • Installments by percent, amount or life expectancy; RMDs at 73/75
  • 10% early-withdrawal rules: age 55 separation, 50 for public safety, 59½

6 · FEGLI

  • Decode any of the 74 SF-50 FEGLI codes (A0–Z5) — or build coverage and get the code
  • Basic with extra benefit, Options A, B and C, postal rules
  • Age-by-age premium and death-benefit path through retirement with 75%/50%/no-reduction and Option B full/no-reduction elections

7 · FEHB, PSHB & Medicare

  • 5-year rule check, 2027 max government contribution, premium growth into retirement
  • PSHB Medicare Part B requirement (and its exemptions) for postal clients

8 · Social Security

  • Benefit at any claiming age from 62 to 70 using the client's FRA
  • WEP/GPO repeal noted for CSRS clients

9 · Lifetime income plan

  • Year-by-year pension (with FERS diet COLA from 62), supplement, Social Security, TSP draws, RMDs
  • FEHB and FEGLI premiums netted out; TSP balance tracked to age 95

10 · AskFERS AI

  • Ask anything about FERS, CSRS, TSP, FEGLI, FEHB, Social Security, OPM processing and agency rules
  • Uses the active client's numbers and cites the governing rule
  • Current 2026–2027 figures built into every answer

Agency directory & special provisions

Rules that change a federal analysis by agency — TSA (SV pay bands, regular FERS for TSOs, FAMs as LEO), DoD (buybacks, NAF, dual-status technicians), USPS (PSHB, FEGLI Basic paid by USPS), BOP (institution-wide LEO coverage), FAA (ATC rules), VA (Title 38), State (Foreign Service pension), and more. Browse the directory →

Reports

Generate a clean, printable client report (save as PDF from any browser) with the pension, supplement, TSP, FEGLI and income-plan results, your name, company, logo, brand color, compliance disclaimer and booking link.

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