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Florida (FL)

Florida Retirement System Overview

florida retirement system overview

Do you have questions about the Florida Retirement System (FRS) or about your retirement benefits in general as a Florida public employee? The State of Florida has two main retirement options for employees. You can choose between the FRS Investment Plan or the FRS Pension Plan.

If you are a new employee, you have eight months from your hire date to decide which plan you want to participate in. If you’ve been an employee for a while, you are already part of one of these retirement options.

Each FRS component has its own nuances and rules, so it’s helpful to know the basics of what they involve. Here is a quick rundown of the Florida Retirement System and the various benefits that it provides.

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Retirement Planning – Tarpon Springs, FL

retirement planning tarpon springs

Are you looking for help with retirement planning in Tarpon Springs? You will want to find a financial professional who has experience with various aspects of retirement planning.

You need someone who understands everything from income planning to asset protection and taxes. It’s also an advantage if you can work with someone local in the Tarpon Springs area.

At, we work with independent financial professionals throughout the United States. The communities we serve include Tarpon Springs, Land O’ Lakes, Odessa, Wesley Chapel, Tampa, Plant City, Clearwater, St. Petersburg, Brandon, Riverview, Bradenton, Sarasota, and the surrounding areas.

If you’d like to talk to someone about how to protect your finances and create stable, dependable income streams during retirement, give us a call. You can reach us at 877.476.9723 or request a personal appointment directly on this page. Our team will connect you with a local retirement planning expert in Tarpon. During that time, you can also receive a free, personalized retirement report.

This no-obligation consultation and report will supercharge your retirement planning. See how you can have more peace of mind from knowing your income is secure during your retirement years.

Your report will include a selection of strategies to generate contractually guaranteed income for life. The strategies selected for your report depend on your retirement goals and are chosen from 2,400+ available marketplace options.

Your retirement strategist will be happy to answer any questions you have about your financial picture or your complimentary report.
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Retirement Planner – Hollywood, FL

Are you looking for a qualified retirement planner in Hollywood, FL? There are many factors to consider when you begin retirement planning.

You will want to create a strategy lasting several decades. When someone hasn’t yet retired, many financial professionals recommend a game plan for at least three decades. Your plan will need to account for things like inflation and market volatility, as well as healthcare and legacy planning.

Our team at has served people from all walks of life as well as financial professionals since 2006. We have worked with more than ten thousand households nationwide and, with their financial professionals, helped them build personalized retirement income strategies.

When you are ready to begin planning for retirement, talk to one of our independent financial professionals. We serve the communities of Hollywood, Ft. Lauderdale, Pembroke Pines, Miami, Boca Raton, Pompano Beach, Plantation, and the surrounding areas.

You can request a no-obligation goal-setting appointment by calling us at 877.476.9723. During this time, you can also receive a complimentary, customized retirement report just for you.

Your report will feature a comparison of top-rated guaranteed income options that most closely match your goals and needs. It will serve as an initial retirement roadmap for you. We will be on hand to answer any questions you have.

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Retirement Planning – Pembroke Pines, FL

retirement planning pembroke pines florida

Are you looking for an expert in retirement planning in Pembroke Pines? Retirement planning presents a number of complex problems. How are you going to guarantee your monthly income when you retire? Will your pension or social security be enough to support you? If not, what’s the best way to make sure you have the funds you need once you leave your 9 to 5 job? How will you account for taxes, legacy planning, and medical bills or long-term care?

Some retirement goals can be nearly impossible to achieve without expert help. You need someone on your side who can help you secure guaranteed income during retirement, who knows the tax laws, and who can help you factor in things like market volatility and inflation.

Our independent retirement planning professionals are experts in establishing long-term financial strategies backed by sturdy guarantees. Our local experts serve the communities of Pembroke Pines, Miami, Hollywood, Ft. Lauderdale, Boca Raton, Pompano Beach, Plantation, and the surrounding areas.

Call us at 877.476.9723, and one of our local retirement strategists will answer your questions and explain your retirement income options. We will help you put in place a plan aiming at financial stability and predictable money, including strategies for guaranteed income, asset protection, growth, healthcare expenses, and your legacy wishes. You can see different options in a no-cost customized retirement report, which can help you quickly navigate different choices at your disposal.
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Retirement Planning – Key West, FL

retirement planning key west, florida

Are you ready to start your retirement planning in Key West or the surrounding areas? Planning for retirement is a complex puzzle. In order to be successful, your plan has to guarantee your monthly income for the rest of your life (and possibly beyond). You also have to take into account everything from healthcare costs to market volatility, inflation, and taxes.

Our experts at have successfully helped 10,000+ households all over the United States plan for their retirement. Our customers often come from a diverse range of professions and income levels. Some contact us a few years before they plan to retire, others are already in retirement and want to make changes to their existing plans.

Regardless of where you are in life, we’ve got you covered. Our trusted, independent financial professionals are equipped to offer you cutting-edge strategies to maximize and protect your retirement income throughout your life. We serve Key West, Stock Island, Big Coppitt, Saddlebunch, Sugarloaf Key, Upper Sugarloaf Key, Cudjoe, Summerland Key, Big Torch, Little Torch, Middle Torch, Marathon, Big Pine, Islamorada, and the surrounding areas.

You can talk to one of our local experts for free, and with no obligation. Give us a call at 877.476.9723 and request your initial retirement goal-setting appointment. We will prepare a custom-tailored retirement report for you.

Your report will include top-rated, guaranteed lifetime income strategies chosen specifically to meet your retirement goals. Our experts use software that reviews 2,400+ marketplace options and presents the ones that are good fits for your retirement needs.

You will receive a free copy of your report, and your Key West retirement planning strategist will answer any questions you may have about your results.
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Federal Retirement Planning – Clearwater, FL

federal retirement planning clearwater florida

Do you need more information about federal retirement planning? Are you looking for a credible federal benefits consultant in the Clearwater area to help you understand your benefits?

Federal employees can take advantage of some excellent benefits for their financial future – but only if you know how to really make use of them. Reliable education on federal retirement benefits can be hard to find. It’s good to consult with an expert who is trained to help you understand your federal benefits options and how they would apply in your retirement planning.

Look for an independent federal retirement planning consultant in Clearwater who offers free and thorough benefits education. At, we work alongside select-partner federal benefits consultants serving all U.S. Government agencies. You can think of them as an additional cover to OPM for assisting you with making sense of all of your federal employee benefits for your financial picture.

We invite you to gain clarity into your benefits – the fruits of your career service as a federal employee – in a complimentary, easy-to-follow federal benefits analysis and walkthrough. Our federal retirement planning experts proudly serve Clearwater, St. Petersburg, Tarpon Springs, Wesley Chapel, Tampa, Plant City, Lakeland, Winter Haven, Brandon, Riverview, Bradenton, Sarasota, and the surrounding areas.

During the walkthrough, a federal retirement benefits expert will take a look at all your years of service and go over exactly what you qualify for (and what your numbers now and in the future look like). It usually takes around thirty to sixty minutes.

Many federal employees – even senior financial officers – have told us that they would have paid thousands for the clarity that the walkthrough brought to their situation. You can call us at 877.476.9723 or request a federal benefits analysis meeting via this page to get started.
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Federal Retirement Planning – St. Petersburg, FL

Are you looking for some help with your federal retirement planning? Federal employees are entitled to some excellent benefits. Unfortunately, finding accurate information on how to maximize your federal employee benefits for your financial future is often difficult.

If you are looking for federal retirement planning assistance, your best resource can be an independent, federal retirement planning consultant. We work with select independent federal benefits practitioners who are strong experts in federal retirement planning and how benefits programs fit into the picture. They will take the time to go over your options with you and explain your benefits clearly as well as objectively.

Here, our core team has served 10,000+ households across the United States. itself has appeared on major media outlets reaching 84+ millions households across the country, including CNN, CNBC, U.S. News Money, and other outlets.

Call us at 877.476.9723 or request an appointment to receive a complimentary federal employee benefits analysis that is tailored to your unique circumstances and career service. We serve St. Petersburg, Clearwater, Tarpon Springs, Wesley Chapel, Tampa, Plant City, Lakeland, Winter Haven, Brandon, Riverview, Bradenton, Sarasota, and the surrounding areas.

Our select federal benefits experts work with all federal agencies. This includes truly every agency from the United States Postal Service to the Department of Defense. We also offer benefits guidance beyond that provided by the Office of Personnel Management, complementing this with an easy-to-understand free consultation.

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