Retirement clarity for Florida’s public servants.
We help members of the Florida Retirement System turn a career of service into a retirement of stability — with tax-advantaged income, principal protection, and strategies that work alongside your FRS pension or Investment Plan.
Built for the people who serve Florida.
Your career isn’t average — your retirement plan shouldn’t be either. The Florida Retirement System provides a strong foundation, but it’s rarely the whole picture. We work exclusively with FRS-eligible employees to fill the gaps left by your pension, Investment Plan, and DROP.
- Law enforcement and corrections officers
- Firefighters and EMS personnel
- Educators, professors, and school administrators
- State, county, and municipal employees
Strategies that complement your FRS benefits.
Pension Maximization
Decide between Option 1–4 with confidence. We model joint-life outcomes against the cost of independent income protection.
DROP & Deferred Comp
Roll your DROP and 457(b) balances into vehicles that preserve principal and continue tax-deferred growth.
Tax-Advantaged Income
Build a paycheck for retirement using Roth conversions, indexed strategies, and laddered guaranteed income.
Wealth Preservation
Protect what you’ve built from market drawdowns, sequence-of-returns risk, and unnecessary taxation.
FRS Pension vs. Investment Plan
If you’re still in your second election window, we’ll walk through the long-term math — without sales pressure.
Survivor & Legacy Planning
Coordinate beneficiary designations, life insurance, and estate documents so your family is never left guessing.
A straightforward, three-step review — at no cost to FRS members.
Discovery Call
A 20-minute conversation to understand your service years, pension class, and retirement goals.
Benefits Analysis
We review your FRS statement, DROP eligibility, deferred comp, and Social Security projections.
Written Strategy
You receive a plain-English plan with specific recommendations — no obligation to implement with us.
Ready to see how your FRS benefits fit into your retirement?
Schedule a no-cost, no-obligation consultation with a Florida-based advisor who understands FRS rules inside and out.