Public Employee & State Retirement Strategy (403(b), FRS, DROP)
Navigate FRS, DROP, and 403(b) decisions with support from a professional who understands Florida’s public retirement system options.
Focused guidance for Florida public employees preparing for retirement.
The Value of Public Employee & State Retirement Strategy (403(b), FRS, DROP)
Putting Public Employee & State Retirement Strategy (403(b), FRS, DROP) to Work for You
As a financial professional familiar with the Florida Retirement System and the Deferred Retirement Option Program (DROP), we help public employees understand their choices and connect them to long-term income needs. Whether you’re just exploring retirement or preparing to make the transition, we offer clear guidance every step of the way.
- Review FRS Pension and DROP Eligibility: We walk through your pension estimates, DROP entry windows, and potential service credit outcomes to help clarify your options and projected benefits.
- Coordinate 403(b) and Other Retirement Accounts: We help you understand how your supplemental retirement savings fit into your larger income strategy, including rollover options and contribution strategy.
- Strategize for Retirement Income Distribution: We outline how to turn your pension, DROP, and investment accounts into reliable income—factoring in taxes, timing, and healthcare needs.
- Help You Retire With a Strategy in Place: From your last day on the job to your first pension check, we walk through every step—so you’re not left guessing at what’s next.
Common Questions About
Public Employee & State Retirement Strategy (403(b), FRS, DROP)
What is the DROP program for Florida state employees?
The Deferred Retirement Option Program (DROP) lets eligible Florida Retirement System (FRS) members begin accumulating retirement benefits while still working. Your monthly pension is held in a separate account and paid out when you officially retire.
How does DROP work in Florida?
Once enrolled in DROP, your pension benefits are calculated and frozen at that point. You continue working for a set period, and your benefits accumulate in a DROP account until your final retirement date.
Can you lose your FRS pension in Florida?
In most cases, your FRS pension is protected if you meet eligibility requirements and follow program rules. However, certain actions—like early withdrawals or leaving employment too soon—can affect your benefits.
