PensionForge

NEW — plan any separation date, with or without DROP • The scenario wizard no longer asks you to pick a retirement-path category. Choose whether you plan to use DROP, and — without DROP — enter the date you plan to leave, anywhere from vesting to well past normal retirement. The app tells you what your date means: before, at, or past your normal retirement date, and what reduction applies if any. Working past normal retirement without DROP — previously not expressible — now projects correctly, including the higher multiplier tiers some classes earn for service past the normal retirement date. Under DROP, enter your duration in years and months; your projected pension lock-in date and last day of employment are shown from your entry point and duration. Saved scenarios keep working unchanged. NEW — record purchased service credit ("buy-back time") • Record service credit you have already purchased, from the profile Personal tab or the Service Credit Purchase tool. Purchased years are stored separately from your earned years and every projection applies them under the statutory crediting rules for your class: the 1.60% purchased-service rate, counting toward the Regular Class normal-retirement service requirement, never moving Special Risk eligibility dates. Purchased service appears on scenario details, PDFs, and projection explanations. • Non-FRS plans: St. Cloud members record purchased service on their own plan's terms — the years purchased, the accrual rate their plan credits, and whether those years count toward eligibility. FIXED • Projected retirement date for members past age-based eligibility: with no separation date entered, the projection now uses the earlier of the two paths to normal retirement — age plus vesting, or total service — instead of assuming you keep working to the service-based date. • Pension growth follows your entered separation date: the "How your pension grows" chart, the pension slider, and the Income Plan's cost-of-living timing now anchor on the date you entered, including dates past normal retirement. • Special Risk scenarios saved from the Service Credit Purchase tool now project exactly what the impact table shows: purchased years credited at 1.60%, eligibility dates from earned service alone. • St. Cloud members no longer see FRS buy-back pricing or FRS crediting copy; the Service Credit Purchase tool and profile surfaces are now plan-aware. • Projection explanations itemize additive pension components (purchased service, sick-leave credit), so the formula shown reproduces the stated annual pension. • Dismissing a threshold alert now hides the dashboard alert strip. Finishing setup no longer bounces you back to Get Started or drops your sign-in. The Income Plan chart's $0 axis label no longer overlaps the income target label.