For State & County Employees

Plan With Confidence

Making Sense of Your Benefits

You’ve trusted us to guide your investment choices through your deferred compensation plan, and that trust doesn’t end when you retire. As a Florida state or county employee, we’re here to help you navigate retirement with the same care and commitment. From the Florida Retirement System (FRS) to DROP and beyond, we’re with you through every stage of your financial journey.

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  • What is the Florida Retirement System (FRS), and how does it work?

    The Florida Retirement System (FRS) is a pension program designed for state employees, offering both a Pension Plan and an Investment Plan. Your benefits depend on your years of service, salary, and the plan you choose. We help you understand your options and how they fit into your long-term financial goals.

  • How does the Deferred Retirement Option Program (DROP) benefit me?

    DROP allows eligible state employees to retire while still working for up to 60 months, during which their pension benefits accumulate in an interest-earning account. Once you officially retire, you receive this lump sum in addition to your regular pension. We guide you through the details so you can make the most of this opportunity.

  • Should I choose the Pension Plan or the Investment Plan?

    The Pension Plan provides a fixed monthly benefit based on your years of service and salary, while the Investment Plan offers more flexibility and control over your retirement savings. The right choice depends on your financial goals and retirement timeline. We’ll walk you through the pros and cons of each option.

  • How can I make my retirement savings last?

    Managing your retirement income involves balancing pension payouts, savings, and other investments to ensure financial stability for the years ahead. Whether you’re structuring your withdrawals or planning for unexpected expenses, we help you develop a strategy that supports your lifestyle.

  • When should I start planning for retirement?

    The best time to start planning is now—whether retirement is years away or just around the corner. The sooner you begin, the more options you’ll have to build a plan that works for you. If you’re within five years of retirement, now is the time to review your FRS benefits, DROP eligibility, and investment strategy.

  • How should I manage my deferred compensation plan as I approach retirement?

    As you near retirement, it’s important to review your deferred compensation plan to ensure it aligns with your changing goals. Consider factors like your anticipated retirement income needs, risk tolerance, and withdrawal strategy. This is a great time to reassess your investment allocations—what worked earlier in your career might not be the best fit now. We’re here to help you evaluate your options, adjust your strategy if needed, and create a plan for how and when to start drawing from your account in retirement.

Next Steps

Get the Guidance You Need

Have questions about your FRS benefits or DROP eligibility? Contact us today—we’re here to help. Whether you're just starting to plan or finalizing your retirement decisions, we’ll walk you through your options and what they mean for your future.