🏛️ Federal Retirement Planner

Complete federal employee retirement analysis — pension, TSP, healthcare, and income gap assessment

👤 Federal Employee Information

🏛️ FERS Pension Details

📊 TSP (Thrift Savings Plan)

🏥 FEHB & Medicare

📊 Retirement Raise — Deductions That Stop

When you retire, several payroll deductions disappear — effectively giving you a "raise." These are auto-calculated from your salary.

🎯 Target Retirement Income

Your target isn't 80% of gross salary — it's gross salary minus deductions that stop at retirement. This is your actual spending power to replace.

🌉 Strategic Income Stages

Federal retirees have TWO distinct income phases: Bridge (retirement to Social Security) and Sustainability (Social Security onward).

STAGE 1 — BRIDGE PERIOD
From retirement to Social Security start age. Typically the most challenging years — FERS Supplement + TSP must cover the gap.
STAGE 2 — SUSTAINABILITY
From SS start age through life expectancy. Social Security anchors income but healthcare costs rise. Long-term sustainability matters here.

📝 Advisor Recommendations (5 Pillars)

Add personalized recommendations for each pillar. These will appear in the comprehensive PDF report.