A clear, educational overview of the Florida Retirement System — Pension Plan, Investment Plan, DROP, and the planning conversations that often come along with each.
An educational tour of the FRS retirement framework — designed to help you ask better questions, not replace personalized advice from qualified professionals.
How service credit, benefit options, and survivor choices generally work.
Account-based features, vesting, and considerations at separation.
How DROP fits with the pension and what comes next at exit.
Common decision points that emerge in the years leading up to retirement.
How pension income, accounts, Social Security, and taxes may interact.
A simple checklist to bring to your meetings with qualified professionals.
Pension elections, DROP timing, account decisions, Social Security, Medicare, and taxes often intersect. This guide is designed to help you see how the pieces may relate — so you can take a more organized, less reactive approach to the choices ahead.
Share a few details and we’ll send the guide to your inbox. It’s free and educational — no advice is provided through this form.
Benowitz Wealth Management is an independent wealth management firm focused on helping Florida public employees, FRS members, retirees, and families make informed retirement decisions. We help clients think through how pensions, DROP funds, investment accounts, Social Security, Medicare, taxes, and long-term family goals may work together.
After downloading the guide, you may still have questions about how your choices fit together. If you would like help reviewing your FRS benefits, DROP decisions, retirement income strategy, or investment plan, you can schedule a conversation with our team.
A consultation does not create an advisory relationship and should not be considered individualized investment, tax, legal, insurance, or retirement advice.
Benowitz Wealth Management is an independent investment advisory firm and is not affiliated with, endorsed by, or sponsored by the Florida Retirement System, the State of Florida, the Florida Division of Retirement, the Social Security Administration, Medicare, or any government agency. This material is for informational and educational purposes only and should not be considered individualized investment, tax, legal, insurance, or retirement advice. Please consult with qualified professionals regarding your specific situation.
