Osceola County’s biggest FRS employers are the school district, the county and the sheriff’s office. We work with Kissimmee, St. Cloud and Poinciana families mostly by phone and Zoom, and anyone who wants to meet in person is welcome at our DeBary office.
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 Osceola County
These Osceola 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.
- Osceola County School Board (School District of Osceola County)
- Osceola County Board of County Commissioners, plus the Clerk of Circuit Court, Property Appraiser, Supervisor of Elections and Tax Collector
- Osceola County Sheriff’s Office
- New Dimensions High School (charter)
- Valencia College, an FRS-participating state college, also operates an Osceola campus
State agency employees working in the county (for example, Department of Corrections, FDOT, Department of Health and DCF) are FRS members too.1
Most Osceola families we help work for the school district or the sheriff’s office. For school staff, the question is often the K-12 extension. For deputies, it’s Special Risk timing and the strict six-month rule before going back to work for any FRS employer, including as a contractor.
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
Can I take a part-time job with the school district after DROP?
Not during the first six calendar months after your DROP end date. FRS says working for any FRS employer in that window, even unpaid or as a contractor, can void your retirement. After that, other reemployment rules may apply.
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 Osceola 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
