FRS Teachers & Florida State Employees
Unlock a Bigger,
Guaranteed Monthly Paycheck
In our experience, private annuities have delivered higher dependable lifetime income from DROP lump sums or Investment Plan balances — with principal protection. Free 1-on-1 Consultation to see your exact numbers.
Why FRS Members Are Booking Consults
Your FRS Pension or Investment Plan is strong — but many overlook turning DROP payouts or account balances into even larger guaranteed checks.
Real 2026 Examples FRS Clients Are Seeing
Based on a $100k DROP or Investment Plan rollover, here's how the numbers compare for a typical FRS member at age 65:
See yours in 30 minutes — free, no obligation.
Your FRS Retirement Specialists
With over 30 years of experience in retirement planning, our team specializes exclusively in helping Florida state employees, teachers, and FRS members navigate the transition from working years to a secure retirement.
We understand the unique nuances of the FRS Pension Plan, Investment Plan, and DROP — because it's all we do. Our approach is simple: provide clear, personalized illustrations so you can make informed decisions about your future.
Our philosophy: Solid, all-encompassing advice using only the highest quality, fully-guaranteed, and insured products to protect the safety and security of your hard-earned money.
FRS & Annuity FAQs
Your FRS Pension is solid. Our annuities complement it by turning DROP lump sums or Investment Plan balances into guaranteed lifetime income — often 6-8%+ effective rates. It blends seamlessly with your FRS benefits without affecting your pension.
Yes. Depending on your situation, we can structure a direct rollover from your DROP or Investment Plan to avoid immediate tax consequences. We'll walk you through the exact process during your consultation.
Fixed Index Annuities have surrender periods (typically 7-10 years), but they also include income riders that let you access guaranteed income immediately. We'll discuss liquidity options during your consultation.
It varies by your age, health, and account balance, but we've seen clients turn $100k into $550–$750+/month guaranteed (vs. ~$333/month with safe withdrawals). Your exact numbers come in your personalized illustration — free, no obligation.
Click 'Book Free FRS Review Now' and fill out a short form. We'll contact you to schedule your free 30-minute consultation. You'll get personalized annuity illustrations showing your potential extra monthly income — no pressure, no obligation.
Ready for Your Bigger Paycheck?
In your free consultation: Review your FRS benefits + get personalized annuity illustrations showing potential extra monthly income. Specialized in Florida state employees • A-rated carriers • No pressure.