Educating our Educators
We believe retirement decisions should never feel confusing or overwhelming. That’s why we take the time to break down complex financial concepts into clear, easy-to-understand language. We walk you through your FRS pension, spouse benefits, long-term care options, and legacy planning step by step, so you understand both the advantages and tradeoffs of each choice. Our goal is to help you feel informed, confident, and empowered to make the decision that is right for you and your family.
Why We Work With Florida Teachers
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, or 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.
What should I do with my older 401k, 403b?
Your old 401(k) or 403(b) may be one of your biggest retirement assets. We help you evaluate whether to leave it where it is, roll it over, or use it to create more income and flexibility in retirement.
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.