The pension is a foundation. The rest is what you build on it. We help FRS members plan, decide, and retire with clarity.
We're an independent, fee-based fiduciary firm. That means we're legally required to put your interests first — and we don't earn commissions on the advice we give.
We focus on Florida public employees and FRS members. The pension is the foundation; we help you figure out the rest — DROP timing, Social Security, Medicare, taxes, the whole picture. No jargon, no pressure, and no decision rushed.
"You served Florida. Now let's build the retirement you earned."
"The pension is a foundation. The rest is what you build on it."
We work with teachers, first responders, law enforcement officers, state and county employees, university staff, and retirees across Florida. Whether you're ten years out, weighing DROP, or already drawing your pension, the choices in front of you are bigger than they look — and most of them can't be undone.
Teachers and school staff across Florida's districts and universities.
Firefighters, paramedics, and the Special Risk Class.
Sworn officers and command staff planning their exit.
Government employees and administrators, active and retired.
Modeling Options 1 through 4 in real dollars so your election protects the people who depend on you.
Timing your entry and exit, and deciding what to do with your lump sum before it's taxed.
Coordinating rollovers and reviewing your Investment Plan lineup with an unbiased eye.
Making your 457 and other savings work alongside your pension, not against it.
Choosing a claiming age on purpose and sequencing it with your FRS income.
Tying every piece together into one clear, unhurried plan for the next thirty years.
Wills, beneficiaries, and trust coordination through separately engaged, independent attorneys.
Tax-smart strategy coordinated with a separately engaged, independent CPA.
When the time comes, help navigating Medicare through a separately engaged provider.
Financial planning became personal to me long before it became professional.
I grew up with a single mother who stretched every dollar, and learned early that money was never really about wealth — it was about stability, dignity, and the ability to care for the people you love. That's why I serve Florida's public servants: people who've spent their careers caring for others deserve clear, fiduciary-minded guidance when it's their turn to plan.
Five years out, five months out, or already retired — a short call can bring real clarity. No cost, no obligation, no products being pushed.
Book a Call With Derrick