Meet Your Advisor
Maria Navas
Independent Retirement Planning Advisor • Florida Retirement System Specialist
Maria Navas founded Florida Retirement Solutions to give Florida families something rare in the financial services industry: truly independent advice. As an independent advisor, Maria is not tied to any single company, product, or commission structure. Her loyalty is entirely to her clients.
With access to 88 retirement savings companies, Maria compares the market to find the right products for each client's specific situation — not the ones that pay the highest commission.
Maria specializes in the Florida Retirement System (FRS), helping teachers, state employees, county workers, and public school staff navigate their retirement decisions with confidence. Whether you need help choosing between the FRS Pension Plan and Investment Plan, understanding the DROP program, or building supplemental retirement income — Maria has guided hundreds of Florida public servants through these exact decisions.
What Sets FLR Apart
True Independence
We are not captive to any insurance company or investment firm. We compare products from 88 companies across the market so you get the best fit, not the best commission.
Florida Expertise
Florida has unique retirement advantages — no state income tax, the FRS system, Florida-specific insurance carriers. We understand the local landscape better than out-of-state advisors.
Plain-English Approach
Financial jargon exists to confuse and overwhelm. We explain every option in plain English, show you the numbers, and let you make the call. No pressure, ever.
Services Offered
Retirement Planning
Comprehensive, personalized retirement planning that gives you access to 88 companies and flexible savings vehicles aligned with your goals.
401(k) Rollover
Penalty-free 401(k) rollovers and recovery of abandoned retirement accounts across Florida. Your old 401(k) could be worth more than you think.
IRA Planning
Strategic IRA planning including Roth conversions, contribution optimization, and IRA rollover coordination to minimize taxes and maximize growth.
Grow Your Savings
Expert savings growth strategies with risk management built in — whether you are starting out or looking to maximize an existing portfolio heading into retirement.
Portfolio Restructuring
Portfolio review and restructuring to reduce risk, cut unnecessary fees, and align your investments with where you actually are in life.
Income For Life
Lifetime income planning that creates a guaranteed monthly income stream in retirement — so you never have to worry about outliving your money.
FRS Planning
Specialized Florida Retirement System (FRS) planning for teachers, state employees, county workers, and public school employees navigating pension vs. investment plan decisions.
Florida Retirement Solutions is an independent insurance and financial services firm. Maria Navas is a licensed insurance professional in the State of Florida. Products offered include insurance and annuity products from licensed carriers. This is not a solicitation for securities. Investment advisory services, if offered, are provided through a registered investment adviser. All content on this site is for informational purposes only and does not constitute financial advice.
Ready to Work With Maria?
Book your free 30-minute retirement planning consultation today.
Independent advice. Access to 88 companies. Serving all of Florida.