9 steps to take before you retire in Florida — covering income, taxes, healthcare, estate planning, and the decisions that cannot be undone.
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Schedule a free consultation →The Pension Plan formula, Investment Plan contribution rates, and exactly how your retirement benefit is calculated under each option.
Vesting, portability, investment risk, survivor benefits, disability, DROP eligibility, and 6 more factors — side by side.
Four detailed profiles — career teacher, young IT professional, late-career switcher, and law enforcement — showing which plan wins and why.
How many years of service tip the balance from Investment Plan to Pension Plan — and when the crossover happens for your situation.
How the Deferred Retirement Option Program can add $150K-$300K+ to your retirement — available to Pension Plan members only.
Printable fill-in worksheet with every question you need to answer before making your FRS election.
Teachers & Education Staff in Florida school districts facing the Pension vs. Investment Plan decision for the first time
Law Enforcement & Firefighters in the Special Risk class with enhanced multipliers and earlier retirement eligibility
State & County Employees including IT, administration, healthcare, and university staff across all FRS membership classes
Mid-Career Switchers considering their one-time 2nd Election to change from one FRS plan to the other
We're a fee-based fiduciary on Florida's Treasure Coast — meaning we are legally required to put your interests first, our advisory fees are disclosed up front, and any commission — for example on an annuity — is disclosed before you decide. We have no preference for either FRS plan. We'll model both with your actual numbers.