Do I need a website to use AdvisorCal?

No. Every calculator comes with its own branded landing page that you can share as a standalone link. on social media, in emails, or in ads. If you do have a website, you can also embed any calculator with a single iframe tag. Works with WordPress, Wix, Squarespace, or any site builder.

Will my clients see the AdvisorCal brand anywhere?

No. Every page displays your logo, your colors, your company name, and your headshot. Your clients and prospects will only see your brand. AdvisorCal is never visible to them.

What are the advisor tools and how are they different from the calculators?

The 28 calculators are client-facing tools you embed on your website to capture leads. The 16 advisor planning tools are tax-aware analysis tools you run during client meetings. Roth conversion analysis, tax projections, inherited IRA modeling, legacy planning, and more. Each one generates two deliverables: a multi-page branded PDF report for the meeting AND a persistent household page online that the client can revisit between meetings.

Which advisor tools are included?

Your subscription includes all 16 advisor planning tools: Roth Conversion Pro, Tax Burden Analysis, Tax Projection Advisor, Tax Analyzer, Tax-Efficient Withdrawals, Backdoor Roth Advisor, Annuity Income Analyzer, QCD Optimizer, NUA Strategy Advisor, Legacy Optimizer, Inherited IRA Optimizer, Housing Decision, FERS Pension Estimator, TSP Withdrawal Planner, FEHB & Medicare Coordination, and Federal Benefits Gap Analysis. Each tool generates detailed results with charts and branded PDF reports.

Are the calculators and advisor tools compliant?

All tools use hedged language like 'estimate' and 'may'. never promissory language. You can set custom compliance disclaimers globally, per calculator, and per advisor tool. Disclaimers appear on every PDF report. The tools provide educational estimates, not financial advice.

How current is the data in the calculators?

All calculators and advisor tools use the latest IRS tax brackets, SSA benefit tables, CMS Medicare/IRMAA thresholds, and contribution limits. Data is updated when new figures are released so your clients always get accurate results.

What exactly do I get when a lead comes in?

You get their first name, last name, email, phone number, the name of the calculator they used, every input they entered, and their calculated results. Both you and the client receive an email with a branded PDF report attached. All leads are stored in your dashboard where you can track and manage them.

Can I manage clients and reports within AdvisorCal?

Yes. The advisor tools include a built-in client management system. You can save reports to client profiles, view report history, search by client or date, and manage team members with role-based permissions.

What do the advisor tool PDF reports include?

Each advisor tool report is a multi-page branded PDF with your firm's name, logo, and colors. It includes an executive summary, highlighted key results, a full assumptions and inputs table, year-by-year projection tables, embedded charts, and your compliance disclaimer.

Can prospects use the calculator without entering their info?

That's up to you. You can toggle lead capture on or off for each calculator. With it on, prospects fill out the calculator and enter their info to unlock results. With it off, they can see results immediately.

Is there a limit on leads or reports?

No. There are no per-lead fees, no per-report fees, and no caps. You get unlimited leads across all 28 calculators, unlimited advisor tool reports, and unlimited PDF downloads. The plan is flat-rate.

How do I add a calculator to my existing website?

Copy and paste a single iframe embed code from your dashboard. No plugins to install, no JavaScript files to manage. Works on WordPress, Wix, Squarespace, Webflow, or any HTML site. The calculator automatically resizes to fit your page.

Is lead and client data secure?

Yes. All data is transmitted over HTTPS and stored in a secure, encrypted database. Lead and client data is only accessible through your authenticated dashboard. We never share, sell, or use your data for any purpose.

Federal Employees

What calculators do advisors who specialize in federal employees need?

By Isaiah Grant, Founder, AdvisorCal · April 15, 2026

The short answerAn advisor specializing in federal employees needs, at minimum: a FERS pension calculator (tiered contribution rates, high-3, age-62 multiplier boost), a TSP withdrawal planner, a FEHB/Medicare coordination tool, and a gap-analysis tool that ties them together. AdvisorCal bundles these plus a 6-step Federal Retirement Planner flagship into a single (pricing TBA) subscription designed for this niche.

What calculators do advisors who specialize in federal employees need?

TL;DR. An advisor specializing in federal employees needs, at minimum: a FERS pension calculator (tiered contribution rates, high-3, age-62 multiplier boost), a TSP withdrawal planner, a FEHB/Medicare coordination tool, and a gap-analysis tool that ties them together. AdvisorCal bundles these plus a 6-step Federal Retirement Planner flagship into a single (pricing TBA) subscription designed for this niche.

The five-tool federal stack

Federal retirement planning has five moving parts. A specialist stack covers all five; a generic retirement tool covers none of them well.

1. FERS Pension Estimator. Handles the three contribution tiers (0.8%, 3.3%, 4.4%), the 1% or 1.1% multiplier, the high-3 average, and the FERS Supplement for pre-62 retirees.

2. TSP Withdrawal Planner. Models monthly payments, partial withdrawals, Roth TSP versus Traditional TSP tax treatment, and the G Fund floor that federal employees treat as an allocation anchor.

3. FEHB & Medicare Coordination. Answers the single most common federal-retirement question: "Do I keep FEHB, enroll in Medicare Part B, or both?" The coordination math includes the 2026 Part B standard premium of $206.90/month, IRMAA surcharges for higher incomes, and FEHB premium offsets.

4. Federal Benefits Gap Analysis. Compares the employee's current deductions (FERS, OASDI, Medicare, TSP, insurance) against projected retirement income to quantify the "retirement raise" and surface the income gap between retirement and Social Security claiming.

5. Federal Retirement Planner (the flagship). A 6-step meeting workflow — FERS → TSP → Healthcare → Gap Analysis → Full Report → Download — that produces a comprehensive branded PDF including bridge/sustainability income stages and 5-pillar advisor recommendations.

Why specialists use a purpose-built stack

A federal employee asking a generic tool "how much can I retire on?" gets a wrong answer for predictable reasons. The generic tool doesn't know about the FERS Supplement. It doesn't distinguish Roth TSP from Traditional. It doesn't handle the FEHB+Medicare decision tree. It doesn't know that the employee's current "paycheck" has 5–11% of deductions that stop the day they retire.

A purpose-built federal stack does.

What the client walks out with

From a 60-minute meeting, the client should leave with:

An estimated monthly FERS pension with multiplier and high-3 shown
A TSP withdrawal strategy with the tax split between Roth and Traditional
A Medicare/FEHB decision recommendation with the math behind it
An income projection showing the bridge years (retirement to Social Security) and the sustainability years after
A written branded PDF the client can reread and share with a spouse

The Federal Retirement Planner in AdvisorCal produces that PDF as a meeting artifact.

Run the full federal retirement planner

This is the same calculator AdvisorCal subscribers embed on their own advisor websites. running live below. Enter your numbers to see results instantly.

Want this calculator on your own site with your branding? Start a 14-day free trial. no credit card required.

Key facts

FERS contribution tiers: 0.8% (pre-2013), 3.3% (2013), 4.4% (2014+).
Multiplier: 1% per year, 1.1% at 62+ with 20+ years.
2026 OASDI wage base: $176,100; Medicare tax: 1.45%.
2026 Medicare Part B: $206.90/month standard premium.
IRMAA Tier 1 (2026, single): $106,000 MAGI threshold.
FEHB open season: mid-November through mid-December each year.
AdvisorCal federal tool count: five dedicated tools plus the flagship Federal Retirement Planner, included in (pricing TBA).

Common follow-ups

Can I use these tools with CSRS employees too? CSRS uses a different formula. A federal-specialist stack should indicate CSRS support explicitly. AdvisorCal's current stack is FERS-focused.

Does the stack handle military buy-back? Military service credit deposits (buy-back) affect the creditable-service calculation. The advisor enters post-deposit service years; the calculator uses what it's given.

Do I need a separate tool for Social Security? Social Security is part of the federal-retirement picture. AdvisorCal includes a standalone Social Security calculator alongside the federal stack so the advisor can model claiming strategies without leaving the platform.

When this doesn't apply

Uniformed-services retirement (military) uses separate rules from FERS. Advisors serving military retirees need a military retirement calculator in addition to — not instead of — a FERS stack.

Sources

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AdvisorCal provides software tools, not investment, tax, or legal advice. Consult a qualified professional for decisions specific to your client or personal situation.

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