FERS, TSP, Social Security, locality pay, benefits elections, and separation decisions. None of it written for the person living it. FCL produces the finished intelligence that makes it usable.
OPM writes for HR. FCL writes for you. North of 10,000 pages of federal law, OPM regulation, classification standards, and agency policy — none of it written for the person applying. The translation that makes it usable is what we build. You already did the work. We make sure the federal system sees it.
Free toolkits are intent sensors — they tell you whether a gap exists and whether the paid product addresses your situation. Start with the toolkit that matches your question. No email required.
Every free toolkit routes to one paid product if your result reveals a gap worth closing. The toolkit gives you the snapshot. The paid product builds the complete picture — decision by decision, lever by lever, with the documentation to act on it.
Score your federal retirement trajectory in 20 minutes. Reveals whether your pension, TSP, and Social Security path produces the outcome you expect — or where the gap is.
Free — Immediate Download Get the ToolkitSee the dollar gap between your current grade trajectory and the grade your experience supports. Three scenarios. Twenty-year career horizon.
Free — Immediate Download Get the ToolkitCalculate the full compensation difference between your current and target locality areas — salary, pension accrual, and purchasing power compared.
Free — Immediate Download Get the ToolkitFind out in 15 minutes whether your FEHB, FEGLI, and FSA elections are optimized — or whether you're leaving money on the table before Open Season.
Free — Immediate Download Get the ToolkitMap the activation order for your federal pension, TSP, and Social Security — and identify the timing decisions that determine lifetime compounding.
Free — Immediate Download Get the ToolkitScore whether buying back your military service time creates a net financial advantage — before you pay a dollar. Break-even calculated in 20 minutes.
Free — Immediate Download Get the ToolkitDetermine whether your TSP balance is better served by staying, rolling to an IRA, or a partial strategy — scored against your specific situation.
Free — Immediate Download Get the ToolkitEvery product in the Federal Wealth domain follows the same logic. The free toolkit tells you whether a gap exists. The paid product builds the complete framework for closing it. The integration layer sequences everything across your full financial picture.
The Federal Compensation and Wealth Course and most T2 decision models are in development. The full product guide shows what is available now and what is coming.
All FCL products are educational frameworks, not professional advice. Not a law firm, financial advisor, or classification authority. Always verify current rules with OPM and your agency HR office before making decisions.
Seventeen products across retirement, earnings, benefits, sequencing, and specific decisions. Find your question, find your starting point.
View the Full Product Guide