Your FRS Advocate: Fiduciary Planning for Florida Public Servants
The Florida Retirement System is one of the best in the nation—but the state doesn’t provide a personal fiduciary to ensure you maximize it. We bridge the gap between “standard benefits” and a “optimized retirement.”
Investment Plan vs. Pension Plan: The “Second Choice”
Most FRS employees make their initial election and never look back. However, the “Second Choice” window is a powerful tool to course-correct as your career matures. We provide the mathematical modeling to determine:
- Pension Security: Calculating the true “Present Value” of your lifetime annuity.
- Investment Plan Portability: Determining if the flexibility of sub-account control outweighs the guarantee of a pension.
- Survivor Benefit Optimization: Ensuring your spouse is protected without unnecessarily sacrificing your monthly check.
Why Stuart & Jupiter Employees Partner With Us
The state provides brochures; we provide Fiduciary Advice. We are not incentivized to sell you an annuity inside your 403(b) or 457. We focus on:
- ✅ Mathematical Plan Comparisons
- ✅ DROP Payout Tax-Mitigation
- ✅ Integration with Social Security
- ✅ SMA/UMA Portfolio Transitions
The DROP Exit Strategy: Don’t Lose 20% to the IRS
Entering the Deferred Retirement Option Program (DROP) is a highlight of an FRS career, but the exit is a tax minefield. Many Martin County teachers and first responders accidentally trigger massive tax bills by incorrectly handling their lump-sum distribution.
Direct Rollover Coordination
We manage the direct rollover of your DROP funds into institutional-grade accounts to avoid the mandatory 20% federal withholding.
Predictable Income Streams
We transition your DROP payout into a diversified “Retirement Paycheck” using Separately Managed Accounts (SMAs) for better tax control.
Health Insurance Subsidy (HIS)
We ensure your HIS benefits are correctly integrated into your cash flow model to cover rising healthcare costs in retirement.
Trusted by Treasure Coast & Palm Beach Public Servants
From our headquarters in Stuart, we have spent years advising employees from:
Palm Beach County Sheriff’s Office
Florida Highway Patrol
City of Jupiter Employees
FWC & State Agencies
Request Your FRS “Gap Analysis”
Are you on track to replace 100% of your working income? Find out exactly where you stand with a fiduciary review of your FRS benefits.
Available via Zoom or in-person at our Stuart, FL office.
We can help you make the most of what you have!
