Your DROP exit is a one-time decision. Make it with a plan, not a guess.
A free, plain-English kit for FRS members in or near DROP — the one-page checklist and the complete guide, delivered together.
Send me the DROP Exit Kit
For most FRS members, leaving DROP is the single largest money decision of their life — and several pieces of it are a one-way door.
When you separate, you choose how your accumulated DROP dollars are paid out and you lock in a pension payout option. Some of those choices can't be reversed — and the wrong one can quietly cost a spouse years of income.
At the same time, the clock starts on rollover deadlines, the "before 59½" early-withdrawal trap, Social Security timing, and the gap before Medicare. Each one interacts with the others. A plan turns a stressful, irreversible moment into a series of clear, confident steps.
Three pieces. All free. All yours to keep.
Built for FRS members — no jargon, no sales pitch. Just the decisions that matter, in the order they matter.
First, Breathe
A one-page note on why you don't have to decide everything today — and the handful of choices that are actually time-sensitive.
The 7-Point Checklist
The seven DROP-exit decisions on one page, in plain English — so nothing irreversible slips by unconsidered.
The DROP Exit Guide
The complete walk-through: payout options, rollovers, taxes, Social Security, and the health-coverage bridge to Medicare.
The 7 points at a glance
- Your irreversible pension payout option
- The DROP lump-sum rollover
- The "before 59½" early-withdrawal trap
- Social Security timing
- The health-coverage bridge + HIS
- The tax & income plan
- The 6-month separation rule
For the people who kept Florida running.
A fiduciary who speaks FRS — not a salesperson who learned it last week.
You shouldn't have to translate your own pension just to get good advice.
- Fee-only fiduciary.
- FRS specialists. Pension, DROP, and the Investment Plan — every day.
- Education first. No product to push. No quotas.
- Plain English. Your numbers and dates, explained clearly.
Get the DROP Exit Kit.
The checklist and the full guide, delivered together — so you can read at your own pace.
Free. No obligation. Unsubscribe anytime.