Flagler County is a smaller public workforce, but the DROP decisions are just as big. We help Flagler families from Palm Coast, Bunnell and Flagler Beach, usually by phone or Zoom, or in person at our DeBary office about an hour south on I-95 and I-4.
We know FRS. We help you understand DROP, check your forms and dates before anything is filed, and connect you with a licensed financial professional when you need one. We can’t promise any outcome, but we can help make sure nothing gets missed.
FRS employers in Flagler County
These Flagler County employers appear on the FRS list of participating employers for 2026-27.1 If yours is on it, your job is likely FRS-covered, but always confirm your plan in FRS Online.
- Flagler County School Board (Flagler Schools)
- Flagler County Board of County Commissioners, plus the Clerk of Circuit Court, Property Appraiser, Supervisor of Elections and Tax Collector
- Flagler County Sheriff’s Office
- City of Bunnell, the county seat
- Flagler County Housing Authority and East Flagler Mosquito Control District
State agency employees working in the county (for example, Department of Corrections, FDOT, Department of Health and DCF) are FRS members too.1
Palm Coast and FRS
If you started with Palm Coast years ago, or moved from the city to the county or the school district, your service could be split, and it’s worth checking before you set DROP dates.
Flagler County Schools staff, especially classroom teachers, may also be eligible for the K-12 DROP extension. See What Is DROP? for how that works.
The deadlines that can’t be undone
- Your benefit payment option becomes permanent once your first payment is cashed or credited to DROP.4
- After your DROP end date, you can’t work for any FRS employer for six calendar months, paid or unpaid. Doing so can void your retirement.2
- FRS must receive your DROP payout form (DP-PAYT) within 60 days of termination, or the balance is paid as a lump sum with 20% withheld.3
Read the full guide: What Is DROP? · FRS Pension Plan vs. Investment Plan
How we meet
- In person at our office: 301 N Pine Meadow Dr, DeBary, FL 32713
- By phone: (850) 296-8828
- On Zoom, so you can share your FRS statement on screen
Hours: Monday to Friday 8 AM to 7 PM, and Saturday 9 AM to 1 PM. Bring your latest FRS statement or estimate, any DROP forms you’ve received, and your questions.
Frequently asked questions
Do I have to drive to DeBary?
No. Most Flagler clients meet with us by phone or Zoom. You’re welcome to come to the office if you’d rather meet face to face.
I work for the Flagler County Sheriff’s Office. Is DROP different for deputies?
Deputies in the Special Risk Class reach normal retirement on a different schedule than Regular Class members, so their DROP window can open earlier. The DROP rules themselves, like the payout deadline and the six-month reemployment limit, are the same.
What happens if I miss the DROP payout deadline?
If FRS doesn’t receive Form DP-PAYT within 60 days of your DROP termination date, it is required by law to pay your balance as a lump sum with 20% federal tax withheld.3
Book your free Flagler County FRS review
In about 30 minutes, we’ll go through your dates and forms with you so you know what to file and when. There’s no pressure and no sales pitch.
Book your free review · Call (850) 296-8828 · Contact us
Final benefit decisions are made by the FRS Division of Retirement. This page is general information, not financial, tax or legal advice.
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FRS, Participating Employers for Fiscal Year 2026-27 (Rev. 09/2026): https://frs.fl.gov/forms/part-emp.pdf
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FRS, Deferred Retirement Option Program guide: https://frs.fl.gov/forms/drop_guide.pdf
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FRS, Preparing to Terminate DROP: https://frs.fl.gov/forms/Preparing_to_terminate_DROP.pdf
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FRS, Ready. Set. Retire.: https://frs.fl.gov/forms/ready_set_retire.pdf
