Secure your retirement. Book your free FRS DROP review.
A clear, one-on-one walkthrough of your Florida Retirement System options so you leave nothing on the table.
Why Do I Need A Review?
Leaving FRS and DROP can feel complicated. A short personalized review helps you understand your options, avoid costly mistakes, and move into retirement with confidence.
Be Ready. Watch This Video.
About Florida Pension Planners
We help Florida educators and public employees understand the Florida Retirement System and DROP so you can make informed decisions.
We walk you through:
– What you’re entitled to and how DROP works
– How to protect your DROP account
– Forms and deadlines that matter
– Tax-aware strategies and rollover basics
– Social Security, Medicare, and health insurance questions that often come up next
Our approach is education first.
We want you informed and confident, not rushed into a sale.
Your DROP options (at a glance)
During DROP, your monthly retirement benefits stay in the FRS Trust Fund and earn fixed interest. When DROP ends, you generally have 60 days to choose. If you don’t choose in time, you can default to a full lump sum, which can create a taxable event.
Lump sum
Paid directly to you. FRS typically withholds 20% for taxes, and the distribution can affect your tax bracket.
Rollover
Move funds into a tax-deferred account such as an IRA to help avoid an immediate taxable event. Where the money goes and who helps you matter. We’ll teach you what questions to ask.
Partial lump sum
Take some cash now and roll over the rest. We’ll help you understand when that mix can make sense.
FRS Drop Enrollment
Click here to access the FRS DROP Enrollment PDF:
FRS Health Insurance Subsidy
Click here to access the DROP Guide Booklet PDF:
Complete list of FRS forms
If you want to learn more about FRS, click this link:
Florida Pension Planners is an educational consulting firm dedicated to assisting members of the Florida
Retirement System in understanding their transition options. Your personal consultation may be
conducted by state-licensed individuals, financial advisors, fiduciaries, insurance agents, or non-
financially licensed individuals from our network, who are not direct employees of Florida Pension
Planners, based on availability and your request. We are not an insurance agency, investment advisor, or
broker-dealer, nor do we employ such professionals. Our services include educational consulting for which
we may charge a flat fee, and we may refer clients, at their direction and request without additional cost,
to a network of qualified professionals for specialized advice. Please note, Florida Pension Planners is not
affiliated with or endorsed by the Florida Retirement System or the Florida Division of Retirement. Our
services are strictly educational and do not include specific tax, legal, or investment advice. The content
on this website, including videos and links, is for educational purposes only and should not be construed
as investment advice or an offer to buy or sell any financial products.
