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.
How the FRS Pension Works
The Florida Retirement System pension can provide guaranteed income for your lifetime. If you choose a survivor option, your spouse can continue receiving income after your death. However, once both spouses pass away, the pension payments stop and no remaining value passes to your beneficiaries.
What Happens After Both Spouses Pass Away
Many Florida teachers are surprised to learn that their FRS pension does not create an account balance that can be passed to their children or other beneficiaries. After both you and your spouse pass away, the pension payments end. We help you explore strategies that may allow you to leave assets to your family while still protecting your retirement income.
FRS Planning for Teachers
Understand your FRS options, timing considerations, and how your pension fits into a comprehensive retirement income strategy.
- Pension option review
- DROP timing considerations
- Coordinating FRS with other assets
- Income planning beyond the pension
Long-Term Care and Leaving a Legacy
The FRS pension was designed to provide lifetime income, but it does not include additional funds for long-term care expenses. We help Florida teachers explore options that may provide more flexibility, help cover future care needs, and preserve assets for the next generation.
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.