The pension is a foundation. The rest is what you build on it. We help FRS members plan, decide, and retire with clarity.
We’re independent, fee-based fiduciaries, and Florida public servants are who we do this for.
DROP, Option 1 through 4, the 2nd Election, HIS, deferred comp. We work in this world every day.
A fiduciary on your side. No quotas. No products to sell. One job: get your plan right.
A teacher in Tallahassee and a deputy in Tampa shouldn’t get the same plan. So we don’t write one.
You worked 25, 30, sometimes 35 years. You showed up early, stayed late, and paid into a system that promised you a retirement. Now the decisions in front of you — when to retire, which option to elect, what to do with DROP, when to claim Social Security — will shape the next thirty years of your life. They deserve more than a 20-minute meeting at a free dinner seminar.
A retirement plan that ignores how your pension actually works isn’t a plan. It’s a guess. Here’s where we go deep:
Options 1, 2, 3, and 4, modeled for you and your spouse.
Entry timing, investing during DROP, lump-sum decisions at the end.
Independent allocation guidance and 2nd Election analysis.
How much, where, when, and why.
Claiming as a couple, not as two individuals.
The whole picture, written down, kept current.
Retirement isn’t just a portfolio problem. Tax law changes. Estate documents go stale. Medicare gets confusing fast. We don’t pretend to do everything ourselves — we coordinate with professionals who do their part well, so nothing falls through the cracks.
Alongside our partnered CPA firm.
Drafted by partnered Florida-licensed attorneys.
Through our partnered, licensed Medicare specialist.
These professionals are independently engaged. We just make sure everyone’s reading from the same page: yours.
K–12, district staff, university and college employees, school administrators.
Law enforcement, firefighters, paramedics, corrections officers.
Agency staff, supervisors, elected officials, regional and municipal workers.
Whether you retired last month or last decade, the planning doesn’t stop. We help you keep it on track.
Complimentary. Honest. You ask questions, we answer them. If we’re not a fit, we’ll say so.
Built around your FRS benefits, your family, and what you actually want next.
Markets move. Rules change. Life surprises everyone. We’re here for all of it — not just the day you sign on.
The advice we give you is the advice we’d give our own parents, our own siblings, our own selves.
Five years out, five months out, or already retired — a short call can bring real clarity.
