IRAs, Explained Simply
Traditional vs. Roth, contribution limits, and why an IRA is a common home for a DROP or 457(b) rollover at retirement.
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Education & Guidance
Guides, checklists, and education for FRS members.
Plain-English explainers, webinars, checklists, and articles — designed to help FRS members understand their options before they have to decide anything.
New · Investing Basics
The building blocks, explained simply.
Four terms you'll hear over and over — IRAs, RMDs, ETFs, and bonds — broken down in plain English, with simple animations to make each one click.
RMDs: Required Minimum Distributions
When the IRS makes you start withdrawing from pre-tax accounts, which accounts are affected, and why the years before 73 are a planning window.
Read moreETFs: A Basket of Many Investments
What an exchange-traded fund really is, how diversification works, and what an expense ratio quietly costs you over a career.
Read moreBonds: Lending for Income & Steadiness
How a bond pays you, the rate-and-price seesaw explained simply, and the role bonds can play alongside your FRS pension.
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Guides
Plain-English explainers.
FRS Pension vs. Investment Plan: A Plain-English Guide
Understanding the trade-offs between the Pension Plan and Investment Plan — in language that actually makes sense for real people facing a real decision.
Read moreThe DROP Planning Guide for FRS Members
Entry timing, the 8-year window, accumulation choices, rollover decisions, and what the end of DROP actually looks like — modeled carefully.
Read moreSocial Security Timing for Florida Public Employees
How WEP and GPO changes affect your benefit, when to file, and how Social Security coordinates with your FRS pension and deferred comp.
Read moreMedicare Made Simple for FRS Retirees
Parts A, B, C, D explained — what the Health Insurance Subsidy covers, what it doesn't, and what to review before age 65.
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Webinars
Live & on-demand.
FRS Retirement Planning Workshop
A recorded walkthrough of the most important FRS decisions — pension vs. Investment Plan, DROP timing, and coordination with Social Security. Approximately 60 minutes.
Request accessRetirement Income Planning for Public Employees
How to turn a pension, savings accounts, and Social Security into a monthly paycheck you can live on — with Q&A from FRS members in the audience.
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Checklists
What to do, when.
FRS Retirement Decision Checklist
The decisions you need to make before you retire — in order, with plain-English explanations of each one and what you need to know before you make it.
Read moreDROP Entry Checklist
Before you enter DROP, review these items. Entry timing is permanent — this checklist helps you make sure you've thought it through.
Read moreMedicare at 65: What to Review
The questions to ask before your Medicare enrollment window opens — Parts A, B, C, D, and how HIS fits in. Timed for the year before you turn 65.
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Articles
Latest from our advisor.
When Does DROP Make Sense for an FRS Member?
A practical look at the math, the timing windows, and the real-world trade-offs of entering DROP — including cases where it doesn't make financial sense.
Read moreHow WEP and GPO Changes Affect Florida Public Employees
What the Social Security Fairness Act means for FRS members who previously had their Social Security benefit reduced by WEP or GPO.
Read moreBuilding a Retirement Income Plan Around Your Pension
Why the FRS pension is a foundation — not the whole plan — and how to build the rest of the retirement income picture around it thoughtfully.
Read moreReady to talk?
A first conversation is always free.
Guides are a start. A conversation with someone who knows the FRS system is where it becomes real.