Specialized Planning for
FRS Educators
Maximize your pension benefits with little-known strategies that go beyond your four options.
Understanding Your FRS
Benefits
As a Florida educator, you've dedicated your career to shaping the future. Now it's time to ensure your own future is just as well planned. The Florida Retirement System (FRS) provides valuable benefits, but navigating the options can be complex.
We provide guidance to help you maximize your pension by utilizing a private wealth system that allows you more access to your funds in retirement—even doubling your guaranteed income in the event of a long-term care need.
What We Help You Understand:
- Pension option review and comparison
- DROP timing and strategy considerations
- Coordinating FRS with other retirement assets
- Income planning beyond your pension
- Alternate options providing more access to retirement funds
Common Questions We Help Answer
These are the questions Florida educators ask us most frequently.
When should I elect DROP?
Timing your DROP election properly can significantly impact your retirement income. We help you analyze the optimal timing based on your unique situation.
How does my pension fit with Social Security?
Understanding how FRS and Social Security interact is crucial for maximizing your total retirement income.
How do I create income beyond my pension?
Your pension is valuable, but it's often not enough. We help you build additional income streams for a complete retirement picture.
How can I reduce taxes in retirement?
Strategic planning around Roth conversions, withdrawal timing, and income sources can significantly reduce your lifetime tax burden.
What is "Option Five"?
FRS offers several pension options, but many educators don't realize there may be alternative strategies that provide more flexibility and potentially better outcomes for your specific situation.
We'll help you explore all your options—including strategies outside the traditional FRS framework—to find the approach that best fits your retirement goals and family situation.
Schedule a Teacher-Focused
Retirement Call
Get personalized guidance on maximizing your FRS benefits and
building a complete retirement income strategy.