Maximize Your FRS & DROP Benefits with Confidence
Retirement planning doesn’t have to be confusing. We help Florida’s public employees make clear, informed decisions about FRS and DROP — so they can retire with confidence.
Know What You’ve Earned
If you’re a Florida public employee — a teacher, police officer, firefighter, or state worker — you’ve worked hard to earn your Florida Retirement System (FRS) benefits. But when it’s time to make key decisions about the Pension Plan, Investment Plan, or DROP, many employees feel uncertain about the best path forward.
That’s where we come in. We specialize in helping individuals like you understand the full picture of your FRS and DROP options, so you can retire with clarity and peace of mind.
Choosing the right plan is a major decision. We break it down in a way that’s simple, unbiased, and tailored to your life stage and financial goals.
The Pension Plan
A traditional plan that provides you with guaranteed lifetime monthly payments after retirement.
The Investment Plan
A self-managed account that gives you more control over where your retirement money is invested — and more responsibility.
How DROP Can Work for You
The Deferred Retirement Option Program (DROP) allows you to technically “retire” while continuing to work — and collect your monthly retirement benefit in a special interest-bearing account for up to 60 months.
At the end of your DROP period, you receive a lump sum payout, plus your ongoing retirement income.
✅ Sounds great — but here’s the catch: Timing is everything.
We help you determine:
- When to enter DROP for the maximum benefit
- How much you can expect to accumulate
- Whether DROP fits into your overall retirement plan
This is one of the biggest retirement decisions you’ll ever make. You shouldn’t have to make it alone.
Independent Advice You Can Trust
Unlike your HR department or state-provided resources, we’re independent — meaning our only job is to help you make the most informed decision for you and your family.
We’re not affiliated with the Florida Retirement System or any government agency. Instead, we offer clear, personalized guidance on:
- Comparing the FRS Pension vs. Investment Plan
- DROP timing strategies
- Retirement income planning
- Social Security integration
- Tax-smart distribution options
We’ve helped hundreds of Florida employees retire smarter — and we’re ready to help you too.
What You’ll Get from Working With Us
A custom retirement timeline based on your FRS years of service
- Real DROP projections — not just estimates
- Clarity on your pension and investment options
- Confidence in your next step
Let’s Talk About Your Retirement Get a free, no-obligation consultation with one of our FRS & DROP specialists. Whether you’re 3 years away from retirement or 3 months, now is the time to make a smart plan.
