FRS Retirement Planning for Florida Teachers
Your FRS pension may provide lifetime income for you and your spouse, but it may not address long-term care costs or leave remaining assets to your family. We help Florida teachers understand their options and make confident retirement decisions.
Understanding Your FRS Benefits
The Florida Retirement System offers two primary retirement plans: the Pension Plan and the Investment Plan. Each has different features, benefits, and considerations. We help you understand your plan, retirement eligibility, and how your FRS benefits fit into your overall financial picture.
Choosing Your Pension Option
For FRS Pension Plan members, the payment option you select can affect your monthly retirement income and the benefits available to your beneficiaries. We help you evaluate lifetime income, survivor protection, and beneficiary considerations so you can make an informed decision for your family.
DROP & Retirement Timing
Deciding when to retire can be just as important as deciding how. For eligible FRS Pension Plan members, the Deferred Retirement Option Program (DROP) introduces additional choices. We help you understand the considerations that may influence your retirement timeline.
- Retirement eligibility and timing
- DROP participation considerations
- Pension income and survivor options
- Planning for DROP distributions
Planning Beyond Your Pension
Your FRS benefits are one piece of your retirement picture. We help you explore ways to coordinate retirement savings, Social Security, and other income sources while considering future healthcare needs, long-term care expenses, and the legacy you hope to leave your loved ones.
Education That Empowers
Unless you clearly understand your options, you cannot make confident decisions about your retirement.
Ready to explore your options?
Schedule a complimentary 30-minute conversation to discuss your
unique situation and goals.