Retirement planning, built around your FRS benefits.
We don’t sell off-the-shelf retirement products. Every recommendation begins with a careful read of your Florida Retirement System statement and a frank conversation about what you want retirement to look like.
FRS Pension Maximization
Choosing between Options 1, 2, 3, and 4 is one of the most consequential decisions of your career. We model joint-life outcomes against private income-protection strategies so you can elect Option 1 confidently — or not — based on math, not marketing.
DROP Rollover Planning
When you exit DROP, your accumulated balance is a major asset. We help you weigh keeping it in the FRS Investment Plan, rolling to a traditional IRA, or moving into a principal-protected vehicle that continues tax-deferred growth.
457(b) & Deferred Comp Strategy
Coordinate contributions, employer matching, and withdrawal timing across your deferred compensation accounts to minimize lifetime taxes.
Tax-Advantaged Retirement Income
Build a paycheck for retirement using Roth conversions, indexed strategies, and laddered guaranteed income — designed to keep more of every dollar in your pocket and less in the IRS’s.
Wealth Preservation
Protect what you’ve accumulated from market drawdowns, sequence-of-returns risk, and unnecessary fees. Strategies emphasize principal protection without sacrificing reasonable upside.
Pension Plan vs. Investment Plan Election
If you’re still inside your second-election window, we’ll walk through the long-term math for your specific service class — Regular, Special Risk, Senior Management, or Elected Officer.
Survivor & Legacy Planning
Coordinate beneficiary designations, life insurance, and estate documents across your FRS benefits, deferred comp, and personal assets so your family is never left guessing.
Social Security Timing
Most public servants don’t pay into Social Security through their FRS-covered employment. We model how spousal benefits, prior covered employment, and WEP/GPO rules affect your household.