Seventeen products. One organizing principle: your question. Find it below, find your starting point. Every free diagnostic routes to a paid product if your result reveals a gap worth closing.
Download PDF Version — FreeFederal employment produces income, retirement, and wealth through a system most federal employees were never taught to read. This guide organizes every FCL Federal Wealth product by the question it answers. Find your question, find your product. Free diagnostics are marked Free — they take 15–20 minutes and tell you whether the paid product addresses your situation. Start there if you are unsure where you stand.
For federal employees who have never formally mapped the financial architecture of their career. FERS, TSP, and Social Security interact in ways most employees never learn until it is too late to optimize.
| Your question | Product | What it produces | Price |
|---|---|---|---|
| Am I on track for the retirement I expect? | Retirement Readiness Snapshot Toolkit | Pension trajectory scored against your actual service timeline. Identifies shortfalls and unoptimized windows. | Free |
| I need to understand how all of this fits together. | Federal Compensation and Wealth Course | Five-module foundational course. FERS architecture, six career decision points, TSP as a wealth engine, retirement roadmap. | Coming Soon |
Grade and step decisions at hire or promotion compound over a full federal career. Most employees make these decisions once and never model what they cost. Locality pay changes carry pension consequences most never calculate.
| Your question | Product | What it produces | Price |
|---|---|---|---|
| What is the lifetime difference between my current grade/step and the grade I should be at? | Federal Career Earnings Projection Toolkit | Three-scenario earnings comparison across grade and step trajectories. Shows the dollar gap over 10 and 20 years. | Free |
| What does a locality pay change actually cost or gain me? | Locality Pay Comparison Toolkit | Annual and career-horizon salary difference between locality areas, including pension high-3 impact. | Free |
| I want to model my full career earnings trajectory. | Federal Career Step and Grade Progression Model | Excel workbook. Three career scenarios: current, accelerated, and optimal. Annual salary, TSP matching, and pension accrual by year. | $97 |
Open Season happens every year. Most federal employees keep whatever elections they had last year. FEHB plan selection, FEGLI coverage levels, and FSA contribution decisions are consequential financial choices most treat as administrative tasks.
| Your question | Product | What it produces | Price |
|---|---|---|---|
| Are my FEHB, FEGLI, and FSA elections optimized? | Federal Benefits Enrollment Readiness Toolkit | Four-section diagnostic: FEHB, FEGLI, FSA, FEDVIP. Flags Optimized, Review Recommended, or Action Required for each. | Free |
| I need a decision framework for Open Season. | Federal Benefits Enrollment Decision Guide | FEHB plan comparison, FEGLI Option B age-premium analysis, FSA optimization, FEDVIP selection. Decision worksheets for each area. | $47 |
Within 5–15 years of retirement eligibility, the decisions that determine your retirement outcome become time-sensitive. FERS pension timing, TSP drawdown sequencing, Social Security coordination, and survivor benefit elections require deliberate modeling — not defaults.
| Your question | Product | What it produces | Price |
|---|---|---|---|
| Have I formally modeled my retirement outcome? | Federal Retirement Optimization Course | Complete retirement strategy: FERS pension timing, Social Security coordination, TSP drawdown sequencing, survivor benefit election. | Coming Soon |
| Is my TSP contribution strategy optimized for my retirement window? | TSP Compounding Model | Excel workbook. Models contribution scenarios across fund allocations, contribution rates, and compounding timelines against your retirement date. | Coming Soon |
| How do I sequence pension, TSP, and Social Security for maximum lifetime income? | Federal Wealth Sequencing Toolkit | Maps the activation order of your federal benefits to maximize lifetime compounding. Identifies interdependencies and timing decisions. | Free |
| I need the complete implementation architecture. | Federal Wealth Sequencing Blueprint | The full build specification: pension, TSP, Social Security, and outside assets sequenced for lifetime income, minimum tax drag, and sustained compounding. | Coming Soon |
Some financial decisions arrive as events — a buyout offer, a separation, a divorce, a VSIP notice. These products are for buyers with a specific, bounded question that needs answering now.
| Your question | Product | What it produces | Price |
|---|---|---|---|
| Should I buy back my military service time? | Military Service Buyback Break-Even Toolkit | Break-even calculation: does buyback create a net financial advantage for your specific situation — before you pay a dollar. | Free |
| Buyback is favorable. I need the full execution framework. | Military Buyback Strategy Model | Break-even model, pension enhancement projection, deposit payment strategy. Complete decision and execution framework. | Coming Soon |
| I received a VSIP or VERA offer. Should I take it? | VSIP/VERA Decision Framework | Models reduced annuity, VSIP net after tax, bridge income gap, FEHB continuation cost, and breakeven years. Produces a go/no-go framework. | $97 |
| I am leaving federal service. What do I do with my TSP? | TSP Separation Decision Toolkit | Directional recommendation: Stay in TSP, Partial Rollover, or Full IRA Rollover — based on your balance, age, and post-federal plans. | Free |
| I need to execute the TSP rollover decision. | TSP to Civilian Investment Bridge | Decision workbook and execution guide: fee comparison, withdrawal rules, Roth conversion analysis, rollover mechanics, IRA custodian selection. | $97 |
| I am going through a divorce. What happens to my FERS pension? | Federal Divorce and FERS Division Guide | Plain-language explanation: FERS pension division, COAP mechanics, TSP division, survivor benefit elections, FEHB continuation. Prepares you to engage legal counsel. | $47 |
All FCL products are educational frameworks, not professional advice. Not a law firm, financial advisor, or classification authority. Prices marked Coming Soon are proposed and will be confirmed at product launch. Always verify current rules with OPM and your agency HR office before making decisions.