60 original lessons. 10 modules. Written by teachers, cited to the statute.
The Learn FERS Learning Hub is the curriculum behind everything else on the platform. Every lesson was written by a human teacher, fact-checked against U.S. code or regulation, and connected back to the tools that let you apply it to your own numbers.
Minimum Retirement Age (MRA)
The MRA is the earliest age a FERS employee can voluntarily retire. Congress phased it from 55 up to 57, so anyone born in 1970 or later has an MRA of 57.
Key takeaways
- Born 1953 to 1964: MRA 56. Born 1970 or later: MRA 57.
- Reaching MRA does not by itself unlock an unreduced annuity.
10
Modules
60
Original lessons
10
Module assessments
7+ hrs
Of curriculum
A curriculum that follows the actual decisions you make.
Each module is a focused set of short lessons (5 to 10 minutes each) ending in an assessment. You can read them straight through, jump to a specific lesson via a tool deep-link, or use the search.
Module 01: FERS Fundamentals
The three-tier FERS package: basic annuity, Social Security, and the TSP.
Module 02: TSP Mastery
How the Thrift Savings Plan works, how to maximize the match, and how to draw it down.
Module 03: Social Security Deep Dive
How benefits are calculated, when to claim, and how WEP and GPO used to affect federal retirees.
Module 04: CSRS Special Cases
The original federal retirement system, its tiered formula, and the Voluntary Contribution Program.
Module 05: Federal Employee Benefits
FEHB, FEGLI, FSAs, FLTCIP, and annual leave: the non-annuity benefits that matter most in retirement.
Module 06: Making the Transition
Picking a date, the last paycheck, interim annuity, and emotional readiness.
Module 07: Financial Planning Strategies
Build a sustainable retirement income plan: withdrawals, taxes, RMDs, and inflation.
Module 08: Investing and Saving
Compounding, asset allocation, indexing, and the Roth-vs-Traditional decision.
Module 09: Managing Debt
Revolving vs. installment, mortgage payoff, student loans, and PSLF for federal employees.
Module 10: Your Retirement Action Plan
Define your vision, run the income-gap analysis, and execute the 12-month countdown.
Written by teachers, anchored to the statute, connected to the tools.
Our lessons are not generic financial-literacy content. Every one was written specifically for federal employees, fact-checked against the underlying law, and paired with the tools that let you apply it to your numbers.
Plain-English narrative
Each lesson opens with a one-paragraph summary, walks you through the concept, and ends with three to four key takeaways.
Cited at the formula level
Every rule, threshold, or formula links to its underlying U.S. Code, CFR section, or IRS notice. Sources stay current.
Tied to a tool
When a lesson teaches a concept, a "Try the matching tool" link sends you straight to the calculator that runs your numbers.
Assessment per module
A short 4-question assessment at the end of each module, so you can check your understanding before you move on.
AI assistant on the side
Premium members can ask the contextual AI assistant about a lesson, and the assistant answers in the context of their saved plan.
Built on classroom curriculum
Every lesson originates from material taught in person to 35,000+ executives and 80+ live federal workforce seminars.
What a lesson actually looks like.
The 1% and 1.1% annuity multiplier
5 U.S.C. section 8415 sets the FERS multiplier. Retire at 62 or later with 20+ years and it increases to 1.1%.
The FERS basic annuity is High-3 x Years x Multiplier. The standard multiplier is 1% per year of service. If you retire at age 62 or later with at least 20 years of creditable service, the multiplier increases to 1.1%, which is a 10% raise on every dollar of annuity for life.
Key takeaways
- A 30-year retiree with $100k High-3 earns $30k vs. $33k depending on the multiplier.
- One additional year of service can flip you over the 20-year threshold.
- Special-category employees (LEO, FF, ATC) use a different enhanced formula entirely.
Try the matching tool
Basic Annuity CalculatorRead a lesson, then run the numbers.
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