Appreciation Florida

Prepare ~ Protect ~ Preserve

Retirement Savings

Free

Retirement Planning for School Staff

FRS Retirement Review and Analysis. See how much income FRS will provide in retirement.

Learn how to increase retirement savings without extra contributions, & secure benefits for when you retire.

Request your Complimentary Retirement Review today!

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Free

Retirement Planning

➡️FRS Retirement Review

➡️Increase retirement savings
➡️Maximize benefits in retirement

As a state employee with FRS, Florida Retirement System, you have either the Pension Account OR the Investment Account.

Part of your retirement review, we will cover how the pension or investment account works, what the vesting period is, how DROP works, retirement requirements, and calculate how much income your account will provide in retirement.

After we calculate out how much income FRS is going to provide you in retirement, we could look at options to increase retirement savings. Most teachers and school staff are able to increase retirement savings without any additional contributions!

Lastly we will discuss benefits available that may be important when you are in retirement.

To schedule

your retirement review which cover FRS, calculating your retirement income, and discussing your retirement goals

Call or Message

833-454-3535.

8am-8pm

Answers to Common

Retirement Questions.

What is the difference between FRS Pension and Investment plans?

The Florida Retirement System (FRS) gives you the choice between the Pension Plan or the Investment Plan. All employees contribute 3% into FRS.

With the Pension Plan, the state will provide a guaranteed income in retirement for life.

With the Investment Plan, you manage how the money is invested, during retirement you will manage taking distributions from your investment account.

When can I retire?

FRS Pension requires (30 or 33 years) of service to receive a full retirement pension or be Age (62 or 65) in order to retire. (The above requirements are dependent if you started before or after July 2011)

FRS Investment requires 1 year to be vested. If you leave FRS, you will be able to roll out your investment account into a personal retirement savings.

Who can participate in DROP?

If you have the FRS Pension Plan, you can participate in DROP.

DROP will allow your to retire and continue to work. FRS will begin you pension payments, which will be deposited into a secured account which earns interest.

What fees are involved in your services?

There are no fees for our services. We provide complimentary retirement reviews for school staff.