Your federal retirement plan, audit-able from first formula to final dollar.
Learn FERS is an independent education platform for federal employees. We do not sell annuities, insurance, or investments. We teach you what your benefits actually mean, show every formula behind every number, and give you one private place to keep your whole plan.
17
Federal laws tracked
30
Audit-able tools
60+
Original lessons
5
Logged regulatory updates
Federal retirement education is broken in two predictable ways.
Forms, not decisions.
Your agency teaches you how to fill out an SF-3107 and which OPM brochure to read. It does not teach you whether MRA+10 is better than waiting until 62, when to claim Social Security, or how to compare TSP withdrawal strategies. Nothing on the agency side helps you figure out what is right for your family.
Education with something to sell.
Most "free" federal retirement seminars are run by broker-dealers and insurance agents. The seminar is the funnel. The annuity, the IUL, the rollover, the managed account is the product. The advice you receive is filtered through what they are licensed to sell.
We are an education company. We never sell financial products. We give you the complete picture of what federal retirement actually means, including the math, the laws, and the trade-offs, so you and your family can make the decisions that are right for you.
See the platform in action
A short tour of the calculators, the Learning Hub, and your private My Plan. Every number shows its formula and its federal source.
The intelligence that keeps your plan correct, current, and explainable.
The Logic Layer is the system underneath everything you see. It does two jobs better than any other federal-retirement product we know of. It keeps itself current with federal law, and it shows you the math behind every result.
Logic Layer · Part 1
Continuous federal-law watch
Every month our AI scans the Federal Register, OPM benefit notices, IRS notices, SSA cost-of-living announcements, and pending legislation. It drafts a change summary and sources the citation. A human reviewer approves before anything ships.
See how the pipeline worksLogic Layer · Part 2
Auditable, multi-source math
Every calculation shows the formula. Every formula cites the statute. Every result can be traced step by step. Inflation, COLA, compounding, withdrawal models, all benchmarked against multiple methodologies and published best practices.
See the audit trailAn assistant that already knows your plan.
Most retirement chatbots answer in generalities. Ours reads what you have saved in My Plan first, then answers questions in the context of your actual situation. It knows your years of service, your high-three, your TSP balance, your family situation, your retirement target. It pulls the right statute. It shows the math. It tells you when something is outside its scope.
This is not a substitute for a CPA or a tax attorney. It is an always-on second pair of eyes that knows the federal benefits rules cold, and knows what you are working with.
Knows your plan
Reads everything you have saved in My Plan: numbers, dates, goals, family situation.
Cites the rules
Every answer links the statute, IRS notice, or OPM guidance behind it. No black-box replies.
Education, not advice
The assistant answers questions, never prescribes a product. We are not licensed to give financial advice, and we never will be.
Learn FERS Assistant
Reading your plan
Pulled from your saved plan · No financial advice · Cites 5 U.S.C. 6306
Sample exchange. Real responses use your saved plan, not the example above.
Learn it. Calculate it. Save it. In one place.
Most platforms give you either calculators or education. We built a loop. A lesson teaches a concept, the matching tool lets you apply it to your numbers, and your result lands in your Plan. The Plan becomes the dashboard for your whole retirement, independent of any bank, agency, or institution.
Your plan, free of bias.
Learn FERS does not earn a commission when you roll over a TSP. We do not get paid if you buy an annuity. We do not sell insurance, investments, or any financial product. We are not a fiduciary, we are not a broker-dealer, and we are not your agency.
We are an education company with one job. Give you the complete picture of your federal retirement, including the math, the laws, and the trade-offs, so you can choose what is best for your family.
Where most "free" federal seminars land vs. us
We are biased toward risk mitigation, not products.
Most personal-finance education chases the highest possible return. We do not. The families we work with have already built something. The bigger question is how to protect what they have built across taxes, legal exposure, economic shifts, environmental risk, healthcare, and family.
Our other unusual bias: we teach beyond the TSP fund menu. Self-directed IRAs, real estate, domestic and international diversification, alternatives, and the distinction between retail, accredited, and institutional investors. When that level of responsibility makes sense for a family, you should know what is on the other side of the door.
Read the full philosophy on the About pageThe risk categories we teach
Tax risk
IRMAA, RMD timing, Roth windows
Legal risk
Beneficiary forms, survivor elections, POAs
Economic risk
Inflation, sequence-of-returns, withdrawal rate
Environmental risk
Geography, climate, regional cost-of-living
Health risk
LTC, FEHB-Medicare, disability
Family risk
Survivorship, transfer, blended-family planning
Our bias is toward personal responsibility in finance. That is the one we are happy to admit to.
Why most people fail at retirement planning.
And it is not what you think. The talk that explains the philosophy behind everything we built. From the founder, on a TEDx stage, in 15 minutes.
We do not just say it. Every number is sourced and dated.
Our public Sources page lists every U.S. federal statute, regulation, IRS notice, and SSA rule our calculators rely on, plus the date we last verified each one. Browse it yourself. No sign-in required.
2026 Social Security bend points & TSP elective-deferral limit refreshed
PIA bend points updated to $1,226 / $7,391 per SSA annual notice; the elective deferral cap is reflected at the projected $24,000.
SECURE 2.0 super-catch-up active for ages 60 to 63
Per IRC section 414(v)(2)(E) (added by Pub. L. 117-328), participants aged 60 to 63 may contribute 150% of the regular catch-up amount beginning in plan years after Dec 31, 2024.
Social Security Fairness Act signed, WEP and GPO repealed
Pub. L. 118-273 eliminates both the Windfall Elimination Provision and the Government Pension Offset for benefits payable after December 2023. Affected retirees are receiving retroactive payments from SSA.
Build a retirement plan you can actually defend.
Open the live preview and try the calculators, browse the Sources page, and take the pre-course assessment. No card, no sales call. Education only. A 7-day money-back guarantee will apply at launch.